However, keep in mind that once you send money to someone, it means that this is your choice - and Google Pay cannot do anything about that and will not refund you. To that, you can also add card encryption, meaning that the app shares a unique Virtual Account Number instead of your actual card number with the receiver. In order to secure your expenses, the app asks for authentication (fingerprint, pattern, PIN, or face to verify your identity) before every payment. Next, you will get to set your preferences: do you want to be discoverable by your friends, do you want to opt for rewards (see above)? If you find setting up the app difficult, you can always follow the official guide.
The app will also ask you to link it to your phone number (this will later allow you to confirm payments). To set up your Google Pay account, you have to download the app and then connect with your Google account and choose your payment methods: they include credit and debit cards, but also gift and loyalty cards.
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