Apple Pay vs. Google Pay: How They Work

[lucia-wermer]

https://www.investopedia.com/articles/personal-finance/010215/apple-pay-vs-google-wallet-how-they-work.asp

[MBCook]

The key difference here is neither Apple nor your iPhone have your credit card data, only your bank does. That’s why your bank has to participate, they need some setup on their side.

Google stores your credit card data on their servers so it doesn’t have to be on your phone.