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Google Preps Physical Google Wallet Card, Money Transfers, and Public Transit Passes?

Big news on Google Wallet today, as a future build has been supposedly leaked, spilling tons of information for the future plans of the service. Physical Google Wallet card, anyone? According to Android Police, who received the leaked app, Google plans to distribute physical cards to users that can be programmed to mimic any major credit/debit card. Using your phone to program the card, you can decide which account of yours you want funds pulled from at time of the purchase, which means you can basically leave the rest of your plastic at home. 

That isn’t the only big news though – also seen in the application are menus and settings for withdrawing and depositing money into a “Wallet Balance” which could be linked across several Google services such as Google Play, etc. Another feature that we had hoped for was peer-to-peer money transfers which seems to be baked inside, as well as Transit Passes. For anyone living in a Metropolitan area, this will surely come in handy, as that will be one less piece of plastic you have to carry around.

Not long ago, a sign up page for a new version of Google Wallet went live and people could go enlist themselves. Could this be the next version? It’s definitely a lot to soak in, but if all of this pans out, Google is looking to be growing this service by leaps and bounds.

What do you think? Completely awesome?

Via: Android Police

Cheers Teng and Nick!

  • Wyveryx

    One Card to rule them all,

    One Card to find them,

    One Card to bring them all

    and with the Android bind them.

  • Daniel Maginnis

    It would be really awesome if the $10 prepaid card refunds were sent on one of these.

  • ddevito

    Another thing to consider….is how will terminals know which card you want to use? Okay, so there’s a default card – and I’m sure you can log in online or on your phone and switch default cards – but if I want to use my debit instead of a credit card or vice versa – how is a terminal going to know to ask me which card I want to use?

    waste of time. No one will buy into this meaningless project.

    • SchwannyT

      Wow dude did you even read the article?

      Google plans to distribute physical cards to users that can be programmed to mimic any major credit/debit card. Using your phone to program the card, you can decide which account of yours you want funds pulled from at time of the purchase

      You tell it what to do. It just acts like whatever card you want it to be

  • eastbaycali

    incredible. i will be getting me a physical Google Wallet card

  • renGek

    How would it work? If I had 2 credit cards on it how would I choose the one I want to use? Guessing the terminal would ask?

  • Bionic

    So basically PayPal the Google way.

  • digitalicecream

    Wow, and to think a few month’s ago Apple was considering opening up a Bank. I just saw a commercial about how Amex is now working with Walmart to have a debit account effectively eliminating banking a la Ally.com bank. I see that the old, wait in line and bank method is going by the wayside completely. Woohoo!

  • ddevito

    Also…Google better step up their retail and customer presence big time soon or none of this will be meaningful. Case in point, when I need to talk to someone at American Express they’re available 24/7 in any country I visit.

    If I want to talk to someone at Google about wallet who can I call? What support options are available? etc

    • renGek

      Yeah well thats american express. They have the best global financial support on the planet. Whenever I call them to request a new card, its in my hands the next afternoon. But if you were to have an issue with google wallet they do have a pretty good support line but its not a very large call center. I know because I called twice and both times I talked to the same guy. But thats expected since there really isn’t that many google wallet users considering the # of devices that supports NFC atm that is not jacked by verizon, at&t etc.

    • JJ

      Google doesn’t have customer support. That’s the one thing they suck at.

      • SolipsisticPsychologist

        You sir are correct. They on purpose make it incredibly hard to speak with anyone, and while they do offer some support, they bury it in their support section. And on top of that, the turn around time on getting a reply from an email, is just abysmal, and I’ve waited over a week on multiple occasions. But, they are only a billion dollar company, I shouldn’t expect them to be able to afford to have the best customer service known to man, that’s just asking too much of such a small company.

        And I surely don’t get better support from companies that are either one or few people teams. Maybe if they one day get to have trillion dollar profit margins, maybe then they can have a robust call center, and a quick response time to emails, but that still might be asking too much I fear.

    • Daniel Maginnis

      I had to call about my prepaid card once. There was a call back over voice option and email. I think it may have been third party but someone was talking to me within 1 min of clicking the button and got my issue resolved. They even called me back and left a message confirming that things had been resolved.

  • ddevito

    This is useless. The whole point of Google Wallet was to use your smartphone so you can leave your wallet home.

    This is a transitional step, perhaps necessary, but not the “final solution” by any means.

    • renGek

      Its marketing to get google wallet into user’s mindset who don’t have it. I’m all for it if it expands google wallet. Literally, more than 50% of my cash transactions every week is through google wallet. I rarely whip out physical cash since google wallet.

      • ddevito

        so…by getting rid of your cards…you’re adding yet one more….CARD. This is backwards and doesn’t make sense. What this tells me, is that Google can’t fight the fight with carriers so they’re trying another way.

        This is TWO times they have bowed to Verizon in the last week.

        • Christopher Hutton

          Think of it as not “getting rid of” your cards, but consolidating perhaps numerous cards down to one simple one. Like subtraction by addition, you add one more card, but that one card takes care of many cards.

          ..Am I getting through to you or shall I dumb this down further?

          • ddevito

            The dumbing down I see here is the Google Wallet project itself

            …and the sheep that will follow.

          • Say you have 4 cards. With the Google Wallet card, all those cards are stored in the cloud, and you now have one universal physical card. 4 > 1.
            Thus less physical cards to carry.

            Anymore questions ddevito?

          • ddevito

            You’re missing the point. The Google wallet project was to allow you to use your SMART DEVICE (phone/tablet) as a wallet – configurable with options, etc – just like any other app.

            A physical card, yes – does consolidate – but doesn’t offer any real value to the consumer other than not carrying more than one card. It also doesn’t offer any the-usual-Google-technomagical-experience-they-always-offer. Your average Joe Schmo consumer won’t use this and won’t consider Google a retail company.

            This is just a ploy for Google to collect as many credit card numbers it can on file. It’s a war with Amazon – wait and see. This magical card will undoubtedly coincide with their same day delivery service.

          • Sure, but I fail to see how this is considered a negative on Google’s part. If all companies and retailers are not supporting PayPass, then it’s wise to expand the boundaries if your product by utilizing a physical card while maintaining the virtual (unified, cloud) aspect of Google Wallet.

          • Chris

            You are so stupid.

            You only have to carry one card with this, the Google Wallet card. That’s way better than carrying 10 cards. This also gets Google Wallet more known, and will help Google Wallet + NFC take off. It is by no means “backwards”

          • SolipsisticPsychologist

            What brilliant class and culture you exude, from such a friendly and intelligent response.

  • Matt Gondek

    I love using Wallet, provided the cashiers know how to work PayPass. However, I can’t say I see myself using a plastic card to replace all my other plastic cards…

  • kolwon

    If you can program from the phone you could format it also, when you aren’t using it you can erase it.. Lost card= no big deal.

  • gdi2290

    oh wow haha I literally emailed google to do this 7+ months ago nice to see they listened to me feedback

    • gdi2290

      I basically told them to copy walla.by because they will be able to manage everyone’s credit cards in the backend so it makes a lot of sense to do this before moving everyone to nfc

  • MttFrog13

    At first glance this seems pretty pointless but then I realized that this is a way to use google wallet in places where you can’t tap to pay. I don’t know how ISIS will be able to keep up with this.

    • EC8CH

      Silly… they won’t try to keep up.

      They’ll just try and block it while preinstalling ISIS and preventing it from being uninstalled.

  • jcorf

    I’m hoping for public transit passes and how cool would it be if they installed NFC on the buses!

  • Dillon Brown

    YEEEESSSS!!! I have been wishing from day one of google wallet for the ability to have transit cards. I live in boston and we have nfc cards for the T and I have wanted to replace it with my phone. It is a pain in the ass to reload the cards and know how much money is on them.

  • Christopher Chin

    oh dayam!! I likes a lot 🙂

  • enob

    So glad I signed up on that page!

  • AranelAlasse

  • HotInEER

    WOW. This is amazing. Google is the best.

  • Havoc70

    All i have to say is “When”?

  • EC8CH

    Kinda like how G-Voice can control your existing phone lines…

    G-Wallet can control your existing credit lines.

  • Shaunwin

    I have been trying so hard to use Google Wallet on my Vzw Gnex. I have been to so many places and I am unable to get it to work. Does anyone have any advice?!

    • Liquidrain7

      In my past experiences, the cashier is usually the cause of a failed transaction. Just make sure the cashier has his/her register set to “MasterCard PayPass”. If they don’t, it won’t work.

      • renGek

        Yup, the cashiers that I go to who knows how this works I never have a problem and I go to those cafes several times/week. A few times the cashier of other places had no idea what I was doing and jacked the entire transaction.

    • fixxmyhead

      yea get a real galaxy nexus

  • kwubba

    This is a straight up FU to Isis and all the other new “standards”. I love it…sign me up.

  • vega25

    What an outstanding idea!!

    I would love to be able to leave all but one card at home, and then pick which card to charge it at based on the best offer at the time if that is possible.

    Although I wonder, would the charge show up as the original charge from the merchant or something like GOOG WA**. If it is a Google charge, then there is no way to avail of credit card offers like 3% cash back on groceries and fuel, etc.

  • kevinc

    it needs money transfers over Android Beam.

    • Abgar Musayelyan

      that and the ability to deposit my check through the bank ATM.

  • Xious

    I would love this. I hate carrying around so many cards. And the fact that it safeguards all of your accounts if you lose your wallet/purse is a huge feature.

    This sounds pretty much exactly like Google Voice, just with credit cards instead of numbers. If you get a new credit card or cancel an old one, you can just change them behind the scenes and never have to worry about changing your Google Wallet card number. How many times have you had a card number change and had to go change all the services you were using that card for?

    Can’t wait!

    • EC8CH

      Ha, I wrote the same analogy to G-Voice before reading your post.

      It was a brilliant idea for G-Voice and it’s a brilliant idea for G-Wallet.

    • Jeff

      Why do you have so many cards and cancel often enough to make it a hassle? That can’t be good for your credit history.

      • Xious

        It’s not me cancelling the cards. Sometimes the bank cancels them because they are taking precautions. But just because it doesn’t happen very often does not mean it is still not a hassle. If you’ve set up automatic bill pay on several accounts and the card you use changes, then it’s a big hassle to have to change them all.

        Besides, you don’t change your phone number very often, but Google Voice is a popular service.

        • mds22

          But what if you loose your Google wallet card ? Wouldn’t you need to go through the same process of changing the card at all the services?

          • Xious

            Yes, that is probably something you would have to go through if you lost any of your cards, Google or not. But considering I have never lost a credit card before, I’m personally not worried about that.

        • SolipsisticPsychologist

          Banks don’t just cancel credit cards on a whim, or for taking “precautions”, whatever that is supposed to mean? They cancel them when you don’t pay or have exceeded your limit. They might freeze them if they notice irregular or suspicious buying patterns, but you just call to have it reactivated by verifying your personal account information, and that is not the same thing as cancelling a credit card.

          • Xious

            Yes, banks do cancel cards for taking precautions. When a database has been hacked or PIN numbers compromised or whatever the case may be. I have had it happen to me as have several other people with different cards. So yes, it happens. But if you guys don’t like the Google Wallet physical card system, then don’t use it. I guess you don’t want the added convenience.

          • Abgar Musayelyan

            i had 3 cards (i was current on all of them) canceled on me within a 2 month period during the start of the credit crunch.

  • TheWhiteLotus

    Could this replace debit cards for ATMs too? As in, I go on my phone, switch Google Wallet to my credit union’s debit card, but it in the ATM, and withdraw money?

  • Lunkman

    I don’t get it- replace my 1 debit and 1 credit card with a single card? I fail to see the upside here…

    • vega25

      Right, so it probably works best if you have more than 1 credit card. Like me for instance – I like to time the usage of my credit card to the billing cycle so that I maximize the credit period, AND to where I get the most bang for my buck. Amex for instance gives me 3% cashback on groceries and fuel, whereas a Visa card I have gives me cashback at restaurants. I use only 2 credit cards therefore, but a Google Card would take it down to one.

    • renGek

      Most people have more than 1 credit cards, transit pass, bank cards etc.
      Not sure how many can be combined but its suppose to be like google wallet so all the cards I have there I should be able to combine onto this as well.

  • Clint O

    Interest to see how you choose the account..Via your phone or other means. If via your phone you would have to choose right away before you walk away with the product and choose a card that doesnt have the funds.

  • TheDrunkenClam

    DC metro

  • bsilver2988

    Transit Passes! Yes! D.C. and Boston’s transit systems use passes that you touch to sensors, and I’ve been wondering for a long time whether that’d be compatible with NFC. Awesome.

  • anezarati

    it would be awesome if somehow this could be used for online purchases as well

    • Not A Name

      I think you are forgetting what Google Wallet is/was initially.

      • anezarati

        haha, yeah, but what about on other sites like amazon?

  • Viciousking1914

    YES PLEASE! My wallet is too fat and i’m tired of fumbling with all these damn cards.

  • Just another step towards this becoming mainstream. Can’t wait!

  • bitpimpin

    Yes, completely awesome

  • Kevoskee

    Unsupported Device, eh? Somebody’s rooted

    • EC8CH

      Tim-o’s phone.

      Duh… coarse it’s rooted.

  • Droidzilla

    Very smart move by Google.

  • brando56894

    Now this looks pretty interesting. I haven’t hopped aboard the Google Wallet train yet because on my N7 has NFC but if I had a physical card to replace all my other cards that would be pretty cool.

  • Mathew Colburn

    This…. is exactly what Google needs to do. How long will it take Apple to say that this isn’t the future? I’m guessing until everyone starts using it and then they will “innovate it”.

  • peeyourownpants

    this would be awesome. instead of 10 phone calls to your banks and credit card companies, one text or email to google and the card is turned off with no way to go through the wallet card to get the credit card information anyway? i’m in. there are tons of “minimal wallet” projects on kickstarter every day and this could solve that problem by reducing most of your wallet to a single, secure card.

  • Zachary Perschau

    this is mind blowing, smart move! now, my card please?

  • Chris Pinola

    peer-to-peer money transfers would be SO useful. forget trying to split a bill with a few friends using only cash.

    • TheDrunkenClam

      I have a second job waiting tables. It kills me how young people today refuse to carry cat least a little cash. Group of five and they all expect me to run their cards. Do theycrealise how long that takes and how oinonvenient that is for me

      • Chris Pinola

        i hear ya, i did the same thing for about 5 years. really makes you appreciate other people that work in the industry. i signed up for a square reader so I can make sure we only use one card when i’m out with friends (among other reasons, too). i just swipe their cards on my phone and put the whole bill on mine. would like to ditch the service charge though :/

      • MikeSaver

        Is it really that inconvenient though? don’t you just put, say 11 dollars then swipe one card, then put in say 12 dollars then swipe another?

        • TheDrunkenClam

          Its a restaurant from the 50’s and the owner is cheap so we’re still on dial up. I suppose it’d be faster otherwise. Even if the internet were faster it still really is inconvenient because you gotta run all of them and then close them all out later. To young people out there (I’m 26) why do you refuse to carry at least a little cash? Luckily our restaurant has a policy that we only accept a maximum of two cards. I actually take joy in breaking this news to a group of 6 douchebag kids who all try and hand me a deck of credit cards. There’s an ATM across the street player. CARRY SOME CASH PEOPLE

  • Tony Allen

    I’m down!

  • DanWazz

    Interesting to say the least. You could carry only the one card around, then if you lose it or your wallet, you’d just have to cancel that one card instead of all of them. hmmm.

  • Jeff Tycz

    transferring money from phone to phone would be a huge plus for me

  • Steve Tu

    Innovation at its finest!

    • Google is leading the way in…..well…..just about everything. It’s too bad they need the cooperation of many slow, bullish companies to get lots of things done.

      Meanwhile, Apple just added a 5th row of icons and added 0.5 inches to the screen size of the iPhone, wow, they’re so innovative.

      • sholtkamp

        Don’t forget the headphone jack is on the bottom now…

        • lostsync

          I don’t think that’s going to validate…

        • michael arazan

          While the headphone jack on the LG Nexus is on top? I don’t think apple had enough time to copy JellyBean in 2 months to implement it all into ios on the I*hone 5

      • Christopher Chin

        Makes you wonder how much, more or less, Google would be if they weren’t a USA company? what if they were british or italian or french? Would they still have corporate roadblocks? things that make you go hm…

        • SolipsisticPsychologist

          If they were British, Italian or French, they would be based in a true Nanny State, and they would be hampered by more rules, laws and regulations than they could shake a stick at. At least currently, they live in the last bastion for freedom in the world.

          But as for a Google credit card so to speak, yeah, no frigging thanks! I love Android to death, but as a company, I don’t much care or like how Google does business. They are the number one data miners, wanting to build an extremely detailed and horribly invasive profile on every man, woman, child and pet in the world. And they have shown consistently, and time and time again, to break privacy rules, regulations and most shockingly, laws, but they always get away with it. I’m not going to volunteer to let Google track my shopping habits, so they can use this as another tool to gather information to sell to advertisers, and or turn over information to law enforcement agencies or the government, like they already do more than any other company, with no transparency. But if someone wants to add another way in their life, for Google to keep tabs on them, feel free to sign up for this horrifying idea.

    • EC8CH

      Meanwhile in Verizon Corporate Headquarters:


      • fixxmyhead

        bahahaha u seriously made me lol cuz its SOOOOOOOOOOOOOOOO true!!!!

        • michael arazan

          should be, ” Meanwhile at the Legion of Doom” like the old super hero villains from the dc comic cartoon

          • EC8CH

            I don’t see any difference 😛