Buy bitcoin with Google Pay

What is Google Pay?

Google Pay is a wallet rather than a rail: it holds a card you already have, usually Visa or Mastercard, and gives the merchant a randomly generated virtual card number instead of your real card number. The payment is still authorised by the same issuer and clears over the same card network, so a Google Pay deposit is a card deposit with a different checkout step. Google retired the standalone Google Pay app in the United States and moved those users to Google Wallet, but the Google Pay app remains separate and active in India and Singapore. Google is explicit that your bank decides whether its cards work with Google Wallet and can restrict any of its cards from mobile payments.

Speed

Instant, since the transaction is a normal card authorisation approved in a second or two, so the deposit arrives as quickly as the underlying card allows.

Cost

Google says it does not charge a monetary fee to use a virtual card, so you pay only what the underlying card costs, which for a crypto purchase may include cash advance treatment by your issuer.

Limits

There is no Google Pay limit of its own: your card issuer's per transaction and daily ceilings apply, and your bank must have enabled that card for mobile payments.

Speed and cost describe the rail itself. What an exchange adds on top varies by platform and is shown per exchange below.