Google Pay allows customers to make payments using any credit or debit card saved to their Google Account, including those from Google Play, YouTube, Chrome, or an Android device.
Google Pay behavior depends on how the card is tokenized:
Device-tokenized cards (on Android): Embed 3DS natively with biometric authentication. The first charge includes a wallet-generated 3DS cryptogram, and all subsequent payments use exemptions. is not supported, as these flows rely on MIT exemptions
Raw card data: PayNext can run interactive 3DS on the card payment.
See the 3D Secure guide for full details on wallet authentication behavior.
