Google Ads Terms of Service

This document sets the rules for using Google Pay. You must be at least 16 (or 18 for the Google Pay app), and your payment instruments can be automatically removed if your device goes unused with Google Pay for 12 months or disconnects from all Google services for 90 days. Google is not a party to your transactions — any disputes about payments, refunds, or chargebacks are between you and the merchant, not Google.

This document establishes the terms governing use of Google Pay, including hard eligibility thresholds (users must be at least 16 years old for Google Pay generally, and at least 18 years old for the Google Pay app), conditions under which Google Ads may remove a payment instrument from a device (12 months of inactivity on that device, or 90 consecutive days without any connection to a Google product or service), and user-initiated removal. The document expressly limits Google's role in the transaction chain: Google does not process Google Pay transactions involving Payment Instruments and does not exercise control over the availability or accuracy of payment cards, funds, payments, refunds, or chargebacks, with all transactions characterized as occurring solely between the user and the merchant. Users are required to permit Google to collect transaction, account, and other personal information from third parties including merchants and payment issuers, and to permit Google to share personal information with merchants, payment processors, and other third parties where necessary to process transactions. Use of Google Pay is restricted to personal use with the user's own payment instruments, and use for unlawful or fraudulent purposes or in violation of applicable law and regulation is prohibited.

As an individual user, you must meet age requirements and keep your device connected to Google services and actively using Google Pay to avoid automatic removal of your payment instruments from a given device. Google collects your transaction and account information from merchants and your payment issuer, and shares your personal information with merchants, payment processors, and other third parties as necessary to process your transactions. When you save a Save to Google Pay Item, you are giving prior express consent to receive communications from that third-party merchant directly through Google Pay. Because Google expressly disclaims processing and control over payments, refunds, and chargebacks, you must direct any disputes about those matters to the merchant or your payment issuer, not to Google.