Google Wallet vs Payz
A side-by-side look at how these two wallets stack up — and which one wins for which job.
| Feature | Google Wallet | Payz |
|---|---|---|
| Score | 4.3 / 5 | 3.5 / 5 |
| Best for | Contactless payments & passes on Android | Established multi-currency wallet for gaming |
| Monthly fee | Free | No standard monthly fee |
| Exchange rate | Uses your card's FX terms | ~2.99% standard tier |
| Send / receive | No Google fee; send money only in India and Singapore | Free P2P from Gold VIP up |
| Withdrawals | N/A | Varies by method & VIP tier |
| Card | No standalone card; stores cards, passes & tickets | Yes — Mastercard (Silver VIP tier and above) |
| Availability | Countries on Google supported-countries list; tap to pay varies by country | 180+ countries |
| Currencies | Local card currency | 45+ currencies |
| Regulation | Rides card networks; licences by region | UK FCA (PSI-Pay Ltd) |
| Founded | 2011 (Wallet rebrand 2022) | 2000 |
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use in the countries on Google's supported list, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but sending money to friends is only offered in India and Singapore. The natural everyday wallet for Android users.
Pros
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Cons
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
Payz
Payz is the rebrand of ecoPayz, one of the oldest e-wallets (since 2000), run by FCA-regulated PSI-Pay and offering 45+ currencies worldwide with a Mastercard and a tiered VIP programme. Its standout is a ~2.99% FX rate, undercutting Skrill and Neteller, though the best perks and the card are gated behind VIP tiers. A dependable, slightly cheaper alternative for everyday multi-currency use.
Pros
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Cons
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
The bottom line
Overall, Google Wallet edges ahead with a score of 4.3 versus 3.5 — but the right choice depends on your priorities. Check both against your own country and use case before deciding.