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Google Pay, much like Apple Pay, stores your cards in a digital Wallet. However, all your payment data is not stored locally on your phone, but on Google's servers.
When you make a payment with Google Pay, the transaction is basically between the servers and the specific merchant.

Google also provides a physical card which can be used both as a debit card or gift card. If you have a Google Business account for your online store, you can accept Google pay from your customers, hassle-free.

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