Google Pay is a wallet that runs on top of an existing card gateway. Google does not charge the merchant a fee. The merchant pays whatever the underlying gateway charges for the card transaction.
Pulled directly from the vendor pricing page, verified 2026-06-19. We do not re-state any rate the vendor has not put in writing on their own site.
Google Pay is for any merchant on Android or Chrome who already accepts cards. There is no separate Google fee.
There is no scenario where Google Pay is the wrong choice from a cost angle.
The number on the homepage of Google Pay is rarely the number a finance team books. Below are the line items that almost always show up, sourced from the same vendor pricing page where possible.
Pass-through wallet, no additional Google fee.