Fiserv (First Data) - ICICI Merchant Services vs. Google Pay

The software which is web-based offers our employees access the portal for reporting, credit card processing remotely. This feature has been very useful during the current Covid environment.

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I have only scratched the surface of Google Pay's capabilities because we do not have a physical store. I believe the benefits would increase for locations where smartphone payment is already underway in physical stores that also do online sales. If your business deals with very little foot traffic or does not offer a variety of payment choices, do more research before adding Google Pay as an option — Google Pay is an eager competitor to Apple Pay, and therefore offers businesses opportunities to run promotions and other incentives to adopt Google Pay currently, so it still may be worthwhile to smaller businesses. Google Pay is about to implement a banking option, which will likely add to the number of users and therefore excited customers with Google Pay to spend with you. The web implementation seems simple and should be a good addition to websites where multiple payment types are available.

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• Securely stores data on FirstData's servers so that I don't have to worry about the technical details there.
• Integrates well with WordPress and WooCommerce and provides a seamless user experience.
• Allows customers to pay while staying on site, rather than leaving and coming back like PayPal.

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• They provide good rewards like cash back offers and gift vouchers.
• Easy to pay by scanning the QR code.
• Help us to find best recharges for our mobile.
• Easy to pay electricity bill.
• Will notify us if our validity expires on recharges.
• Self money transfer, we can transfer money to other account if both the accounts are linked with Google Pay.
• We can check balance by enter the UPI Pin.

• They're too big of a company, each division seems to know only about their own area to such a specific degree that if we make an inquiry about how another division integrates with whoever we're talking to, we're told to contact the other team.
• Constantly finding out there is yet another team that we need to work with to troubleshoot an issue.

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• It would be helpful if Google Pay could sync with things like Apple Pay so that saved payment methods can be automatically imported
• There are certain times when Google Pay grants offers for cash back at merchants but the transfer time on the cash back is something like 30 days, which is a long time to wait
• Google Pay could also integrate with other credit card and bank apps to add stored payment methods from there

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I feel that this system not safe. Google keep charging my credit card but they say they cannot trace the payment because there is no transaction record! I cannot stop the payment.

I have had no direct experience with the Customer Support team for google pay. I never faced any issues or problems. I heard from other friends and colleagues that the customer service is great. This method of payment is now more and more being used as it is more secure and also at the same time fast and easy.

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First Data is competive on its rate. Quality is acceptable, but not good compared to its competitors mentioned above.

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GooglePay appears similar but the seller charges no commission. On the downside, there is also no payment protection. So if a transaction goes wrong and it is paid directly from a bank account or via a debit card then you have no buyer protection. This is a significant risk when using GooglePay. PayPal has its own buyer protection.

• Our ROI has been very positive
• Our company has been able to process cash receipts remotely
• Our processing charges have been lower

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• Google Pay (formerly known as Google Wallet) organizes spending and makes recommendations--all around grouped conversations
• Improves risk mitigation and ensures safety and account health of our vendors
• Increased efficiency and pushes payments through at a faster rate
• Provides work-life balance when fiscal deadlines slowly approach

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A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info