HopePower.com, a local electrical contractor, has contracted Charlotte to be their marketer. Thus far, their website has been an informational site full of static pages. Charlotte is upgrading the site to include online ordering with a PCI compliant checkout process. She’s recommended the usual Visa/Mastercard checkout options, though she dislikes the time it takes for a customer to checkout that way. Which payment option allows customers to checkout using a Visa card stored in their Gmail account?

(A) Venmo

(B) PayPal

(C) Google Pay

(D) Square Wallet

Explanation

The Google Pay payment option allows customers to checkout using a Visa card stored in their Gmail account.

Google Pay is a digital wallet platform and online payment system developed by Google to power in-app, online, and in-person contactless purchases on mobile devices, enabling users to make payments with Android phones, tablets, or watches.

Google Play works in the following way:

(1) A Google Pay user adds a credit or debit card to their Google Pay app. Google Pay requests a token to represent the card they’re trying to add from the bank that issued that card. Once the token is issued, this card is now “tokenized,” meaning it has a unique identification number associated with it. Google Pay encrypts the newly tokenized card and it is ready to be used for payments.

(2) To make a purchase, a customer taps their mobile device on a point-of-sale terminal or chooses to pay in your mobile app. Google Pay responds with the customer’s tokenized card and a cryptogram which acts as a one-time-use password. The card network validates the cryptogram and matches the token with the customer’s actual card number.

(3) Your acquiring bank and your customer’s card issuing bank use existing customer information and decrypted customer billing information to complete the transaction.

Google Pay is fast because it doesn’t process or authorize transactions, it merely helps enable secure and speedy transactions by tokenizing cards and passing this tokenized card and other customer information to credit card networks.

Conclusion

This question is from the Mobile Experience Certification Exam. You can find answers to all the questions from this exam on our Mobile Experience Certification Exam Answers page.

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