Card issuers can instantly and freely support their cards’ use in Google Wallet

In the weeks since we released a new version of the Google Wallet app that supports all credit and debit cards, usage has more than doubled. Consumers have immediately grasped the benefit of being able to use any card when shopping in-store and online.

What’s less visible is how our new approach benefits our valued banking partners. We have always pledged that Google Wallet would be open to all card issuers at no cost. And by moving Google Wallet to the cloud, we have greatly simplified the way that card issuers integrate with it. Issuers no longer need to connect their systems directly to ours. We have completely eliminated the cost and complexity for issuers to offer their customers their cards in a mobile wallet. What was previously an effort that could take many months, cost millions, and require complex orchestration among many parties has been reduced to a few simple steps.

Even though direct integration is no longer a prerequisite for having your banks’ cards in Google Wallet, we encourage issuing banks to take some steps to give their customers great experiences with the wallet.

1. Provide us with card art - our mobile wallet shows card art from issuing banks that have provided us with imagery. Card art is an important representation of your bank’s brand, and by adding your card art to Google Wallet, you help Wallet users recognize their cards.
   
   Barclaycard US, Green Dot, and Silicon Valley Bank are some of the first card issuers to provide us with card art. Reinforcing our commitment to all financial institutions, credit union partners of PSCU, a leading credit union service organization, can now easily work with Google Wallet by simply reaching out to their PSCU account executive. We are actively working with credit, debit, and prepaid card issuers of all sizes.
2. Implement our Save to Wallet API for Payment Cards - this API allows you to add a button to your website so that your customers can easily save their cards to Google Wallet in just a few clicks. Both Discover and Barclaycard US (via the L.L. Bean and US Airways co-branded Barclaycard US programs) have recently launched their implementations. Below are some screenshots of the Barclaycard US’ user flow — you can see that users never need to enter their card information into Google Wallet. Instead they save their card to Google Wallet by signing into their already familiar Google Account.

Step 1: sign into your Barclaycard US account and click the Google Wallet banner

Step 2: sign into your Google Account 

Step 3: your card is in your Google Wallet

If you’re a card issuer and would like to work with us to give your customers great experiences with Google Wallet, please contact us here.

Posted by Frank T. Young, Commerce Business Development Manager, Google Wallet

Google Shopping: momentum and merchant success

In May, we announced Google Shopping, a new way for people to find and research products, and discover where to buy those products online or nearby. Google Shopping helps people turn their shopping intentions into actions quickly and easily, and then connect directly with merchants to make purchases.

Progress, improvements and easier onboarding
We've been pleased by the rapid adoption of Google Shopping in the retail community; tens of thousands of merchants, including many marketplaces, have come on board and are participating in Google Shopping via the new model, based on Product Listing Ads (PLAs). Overall, this represents inventory from over one hundred thousand sellers.

As the transition to the new model continues, we’ve made changes that will make it easier for merchants to participate in and get more out of Google Shopping. We outlined several of these last month and are pleased to share several more:

• Google Trusted Stores annotations are appearing on product pages within Google Shopping, providing participating merchants with greater ability to attract new customers and helping shoppers to make more informed shopping decisions.
• For merchants that are not familiar with Adwords, we have created a simplified sign-up flow in Merchant Center to make participation easier.
• AdWords Editor updates are reducing the amount of time it takes to optimize a PLA campaign -- from hours to minutes, in many cases.
• Campaign Tracking URL templates have decreased the number of steps required to set up tracking in AdWords and are making the process easier for merchants.

Google Trusted Stores annotations are now appearing on Google Shopping

Of course, it’s not too late for merchants to get on board and optimize their campaigns prior to the upcoming holiday shopping season. We’ve recorded a series of Hangouts on Air to help small and mid-sized businesses transition to Google Shopping, and have made some Google Shopping best practices available here.

Some Google Shopping Superstars, and the Three C’s
We’ve seen some early success stories from a variety of retailers, demonstrating how Google Shopping has helped them to connect with consumers, drive clicks to their websites and improve conversion rates. Highlights from some mid-sized merchants are listed below; you can find the full text of all these success stories following each description.

• Adorama, one of America’s largest photo retailers and mail-order suppliers, saw their click-through rate (CTR) jump by 176 percent and their conversion rate rise by 100 percent in June 2012, as compared to a year earlier; a similar year-over increase also occurred in July 2012. The full success story can be found here.
• Campmor, a recreational equipment retailer, saw sales increase 10x between January 1 and the present, using PLAs and Google Shopping. The full success story can be found here.
• Empire Covers, an online retailer offering protective covering for cars, trucks, boats, RVs, and motorcycles, along with accessories for pet travel and outdoor living, saw their cost-per-acquisition (CPA) decline by 36 percent between April and August 2012. Additionally, CPCs dropped by 11 percent from July to August 2012. The full success story text can be found here, and a video with more details here.
• Plow & Hearth, a leading retailer of products for the home, hearth, yard, and garden that includes all of its products for all of its brands in PLAs on Google Shopping, saw a number of dramatic results: unique site visits increased by 129 percent, pages per visit increased by 6.3 percent and average visit duration increased by 14.7 percent, while their bounce rate dropped by 9.8 percent. The full success story can be found here.
• ToolKing.com, an Internet Retailer 500 company offering tools, hardware, home-improvement items, outdoor goods, and more across multiple e-commerce channels, lists all its products in Google Shopping via PLAs. Since signing up for PLAs, ToolKing.com’s traffic and conversion rates have risen by more than 50 percent, average order value is up by nearly 15 percent and the sale of thousands of items it once considered “dead” have been reinvigorated. The full success story text can be found here and you can watch a video with more details here.
• TravelSmith Outfitters, an outfitting resource for savvy travelers, used the expertise of Mercent to implement PLAs. Since then, product sales originating from PLAs and Google Shopping have increased by 200 percent. They have also increased consumer traffic by approximately 10 percent and have seen orders go up by 35 percent, with more than a 26 percent increase in sales conversions. The full success story can be found here.

There’s more to come!
We look forward to sharing more with you over the coming months -- from new merchant tools that provide more control and flexibility, to new features that will make holiday shopping easier and more fun for consumers. We’re also in the process of planning our 2013 roll-out of Google Shopping in Europe, Asia and Latin America. We’ll have more to share in the next few weeks, so stay tuned.


Posted by Sameer Samat, Vice President of Product Management, Google Shopping

Use Google Wallet to optimize your mobile and online shopping sites

When shopping from a phone, using a credit card can be a painful way to pay. In fact, the typical purchase has 17-20 fields to fill and 7-10 clicks and scrolls, all on a small phone screen! For merchants, this time-consuming and error-prone process can be even more painful -- research shows that online shopping cart abandonment topped 75% in 2011, with abandonment on mobile even higher.

In order to ease the pain of online shopping for both shoppers and merchants, we’re introducing a new Google Wallet API that can improve the checkout process on both mobile and desktop sites in the following ways:

• Once shoppers log into Google Wallet, there is no need to enter a 16 digit credit card number or other payment information -- it is already securely stored in Google Wallet.
• Returning shoppers who have authorized Google Wallet as their payment method will not be redirected to Google pages, meaning the shopper never leaves the merchant’s website and future transactions are even faster.
• Shoppers can also use their Google accounts to login to merchant sites, so there’s no need to remember multiple logins and passwords.

For merchants, there are no additional charges for accepting Google Wallet. Since you continue to use your existing payment processor, implementation is fast and simple. We encourage interested merchants to start trying it out now. To get access to the Google Wallet API, please request contact from a Google representative via this form. We are releasing the API to approved partners, and we will review your information and contact you upon approval.

Platform partners such as Branding Brand and others are also starting to include Google Wallet as a part of the commerce services they provide. If you are working with one of these partners or are interested in learning more about their capabilities, please contact them directly.

There’s a lot more in store for Google Wallet, so stay tuned on our +Page.

Posted by Barak Turovsky, Head of Mobile Commerce, Google Wallet

Tips for smarter, more secure online shopping

As people in many parts of the world do the last of their back-to-school shopping and prepare for the holiday rush, we thought it was a good time to share a few recommendations for a safer online shopping experience.

Protect your Google Account
Whether you’re buying a bestseller on Google Play or tapping your Google Wallet-supported phone on an NFC terminal at your favorite coffee shop, it's important to understand that Google Wallet uses the security features of your Google Account to protect your credit cards. In other words, you need to guard your Google Account just like you would your physical wallet. If you leave your wallet lying around unprotected, somebody could steal it and make unauthorized purchases or worse. The same consequences could result if you don’t properly secure your Google Account. That's why we encourage everyone to create a strong password that you don’t use on other websites, enable 2-step verification on your account, and keep your account recovery information up to date.

If it looks too good to be true...
If you haven’t shopped from a particular merchant before, it’s worth taking a few minutes to do some research. For example, search for reviews from other buyers who have experience with the seller. Legitimate merchants should provide you with contact information that you can reference if you have any questions or problems with your transaction. Never wire money to a seller you haven’t reviewed very thoroughly and stay alert for phishing attempts, spoofed invoices, and “work from home” money scams that try to cheat you.

Only send information over secure connections
Look for the https:// in your address bar when transmitting any sensitive information like credit card or bank numbers. Your banking website may use additional methods to demonstrate their authenticity, and if so, keep an eye out for them to help avoid scams. Online threats are here to stay, but you can use the right tools to prepare yourself for when that one-day sale beckons or the holiday blowouts come calling. For more safe shopping tips, visit our Good to Know page here.

Posted by Angela Lai, VP Engineering, Google Wallet

Hangout Alert!: Discuss the SF Food Scene With Gary Danko, Nancy Oakes, and More

(Cross-posted on the Zagat Blog)

This Thursday, we're teaming up with the folks at Zagat for a panel discussion that is, to put it bluntly, epic. Nancy Oakes (Boulevard), Gary Danko (Gary Danko) and Mourad Lahlou (Aziza) will be on hand, along with SF Chronicle food critic Michael Bauer, to discuss San Francisco's food story. We'll be asking them questions about the current state of the city's restaurant scene and they'll be dishing out tips for aspiring chefs or restaurant owners (and hopefully they'll share a few pointers for scoring a reservation at their top-rated restaurants).

The Google+ Hangout will take place live starting at 6 PM EST. You can submit questions and get an invite to participate here. If you want to stream it live, tune in to our Google+ Page to see this impressive roster of food peeps share their thoughts.

Posted by James Mulcahy, Zagat Blog Editor

An easy way to save your Discover Card to Google Wallet

A few weeks ago we released a cloud-based Google Wallet app that supports all credit and debit cards. The new version of the app provides access to the same set of payment cards when you’re shopping in-store as you would online with Google Wallet. Already we’ve seen a significant increase in signups and app usage as people have loaded all their cards into Google Wallet.

To make it even easier to save cards to Google Wallet, we’re working with credit and debit card issuers on a novel approach to adding cards to your wallet. Discover Card is the first issuer to launch an implementation of our new Save to Wallet API for Payment Cards.

To save your Discover Card to Google Wallet, just follow these short steps:

1. Visit discover.com/googlewallet and sign into your Discover account
2. Click “Add Your Card”
3. Sign into your Google Account

And that’s it! You don’t even need to look up your credit card number, let alone type it in.

Discover securely transmits all required information directly to Google Wallet. You can then select your Discover Card to be the primary method the Google Wallet app will use for in-store purchases, or when shopping online from Google Play or other merchants that accept Google Wallet. You’ll continue to earn rewards on every purchase you make. Discover has also provided Google Wallet with card imagery for the Discover More® Card, so you can easily identify your virtual Discover card in your mobile wallet.

So go ahead and save your Discover Card into your Google Wallet today. And if you haven’t yet tried our new Google Wallet app, it’s available now on compatible phones in the US.

Posted by Frank Young, Commerce Business Development Manager, Payments

Opting In All Your Products to Product Listing Ads

Today we held a Hangout on Air covering “How to Easily Opt In All Your Products to Product Listing Ads.”

We want to help retailers benefit from the limited time offer (covered elsewhere in this blog) that expires Wednesday, August 15, just 2 days from now.

In this session, we covered:  (1) how to set up a Merchant Center account, (2) how to easily upload your product data, (3) how to create a Product Listing Ads campaign and (4) how to bid on all of your products so that they can show in Google Shopping.

If you missed the Hangout, you can find it here on the Google Business YouTube channel.

A wallet with all your credit and debit cards
To save a card to Google Wallet, just enter the number into the mobile app, online wallet, or Google Play when making purchases. When you shop in-store, you can use Google Wallet in conjunction with your selected credit or debit card for purchases (more info here). Shortly after making a payment, you’ll see a transaction record on the phone with the merchant name and dollar amount. You can now view a history of all your in-store and online purchases from the online wallet.

To support all credit and debit cards, we changed our technical approach to storing payment cards. The Google Wallet app now stores your payment cards on highly secure Google servers, instead of in the secure storage area on your phone. A wallet ID (virtual card number) is stored in the secure storage area of the phone, and this is used to facilitate transactions at the point of sale. Google instantly charges your selected credit or debit card. This new approach speeds up the integration process for banks so they can add their cards to the Wallet app in just a few weeks. Banks that want to help their customers save cards to Google Wallet, including their custom card art, can apply here — there is no cost.

A wallet you can lock — and remotely disable
We take security very seriously and have always had a dedicated Google Wallet PIN to prevent others from making payments with your Google Wallet. And as always, we encourage Google Wallet customers to set up the phone’s screen lock -- as an extra layer of protection.

Today, we’re adding a Google Wallet security feature that makes it possible for you to remotely disable your mobile wallet on a lost phone. It’s easy. If you lose your phone, just visit the ‘Devices’ section in the online wallet and select the phone with the mobile wallet you wish to disable. When you successfully disable your wallet on a device, Google Wallet will not authorize any transactions attempted with that device*. If the Google Wallet online service can establish a connection to your device, it will remotely reset your mobile wallet, clearing it of card and transaction data. There is no way you can do that with your leather wallet.

The new Google Wallet app is available now on Google Play, and if you have a supported NFC device and are in the United States, we encourage you to give it a try.

Posted by Robin Dua, Head of Product Management, Google Wallet

* For now, Google Prepaid Cards and some Citi MasterCard cards will remain active until Google Wallet can remotely connect and reset your mobile wallet.


Quick tip: lot of questions about the need for Internet connectivity while using the Wallet app. You will need an Internet connection to enter a credit card; to change the selected payment card; and to see transaction details. However, you will not need an Internet connection to actually make a payment in-store if you have previously selected a card.