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Huang Yixuan

Person at Seedly Community

03 Jun 2021

∙

Is google pay considered as online purchase category for most credit cards?

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Kelly Trinh

25 Nov 2019

Backoffice technical at financial services firm

If I recall correctly - as part of the messaging protocol between merchants and card associations is the tag "Card not present" (ie it wasn't swiped/chipped at a terminal and card details manually entered in). It is by using this field that banks determine a transaction to be online. This is independent of a retailers MCC.

Anything through Google would be Card Not Present so should count as online.

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Pang Zhe Liang

23 Nov 2019

Lead of Research & Solutions at Havend Pte Ltd

If you are using Google Pay to purchase an item online with the same MCC, then yes. Otherwise, no.

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