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Showing content from https://support.google.com/pay/answer/7644134 below:

Tap to pay with your phone

You can use your phone to pay for goods or services with Google Wallet.

Where you can use Google Wallet

Important:

Near field communication (NFC) must be turned on to make contactless payments. To turn on NFC, check your phone’s Settings app.
You must have a payment method in a supported country.

You can pay with Google Wallet wherever you find the contactless or Google Pay symbols. They’re located on the payment terminal screen or cash register at checkout.

You can buy items with your phone or pay for transit on trains and buses on contactless terminals with either of these logos:

Google Pay symbol

Contactless symbol

Set up tap to pay Pay in a store Step 1: Wake up & unlock your phone

Important: For users with a Pixel 7 or Pixel 7 Pro, Face Unlock is currently not supported for tap to pay transactions. Consider adding an instruction to open the Wallet app first before the payment.

Tips:

You don’t need to wake or unlock your device before you hold your phone to the reader. However, you will still be prompted to unlock your phone to verify the purchase.
You don't need to open the Google Wallet app.
For users with a Pixel 7 or Pixel 7 Pro, Face Unlock is currently not supported for tap to pay transactions.
To use tap to pay on Pixel Fold or another foldable device, fold your device.

Step 2: Hold the back of your phone to the payment reader

Important: You need to verify the transaction with one of the supported Android screen lock methods.

Step 3: If the payment is successful, a blue check mark will appear on the screen.The blue checkmark didn’t appear on your screen

Try to hold your phone in a different way. Your NFC antenna could be near the top or bottom of your device.
Hold your phone closer to the payment reader.
Hold your phone to the payment reader for a few extra seconds.

The cashier says that your payment was declined

Double-check if the store accepts mobile payments.
Contact your bank. There may be an issue with your card and your bank may have declined the transaction. If the transaction is declined, you aren’t charged.

Return something you bought in a store

Bring your receipt and item to the store.
If asked to swipe your card, hold the back of your phone to the contactless payment terminal.

For some returns, you might have to provide the last 4 digits of your virtual card. Learn more about virtual cards.

Open the Google Wallet app .
At the top, tap the card you used for the purchase. You may have to swipe from right to left.
At the top, click More .
The last 4 digits of the virtual card are displayed.

The retailer should tell you when to expect your refund.

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