Google has a partnership with Bancorp Bank that issues a Virtual Card to Google Wallet users that works as an intermediary between customer's card and merchant. It gives more choice in terms of compatible cards and works as a card fraud mitigation technique.

All verified unauthorized transactions reported within 120 days of the transaction are completely refunded.

In case a phone is lost or stolen no access to actual credit card information can be gained.

4-digit PIN that has to be entered before any transaction can take place adds secondary authentication and makes sure that nothing gets bought by accident.