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Macao’s Light Night Market to open in mid-April
The second Macao Light Night Market opened on April 18 and will run until August 11. Only digital payments are accepted. Supported by Macau Pass, the Bank of China Macao Branch will provide a variety of payment methods such as “BOC Smart Payment”, UnionPay mobile QuickPass service, and mobile banking.

HKMA: Monetary policies of developed economies’ turning loose may speed up capital flow
According to Eddie YUE, Deputy Chief Executive of the Hong Kong Monetary Authority (HKMA), the short-term downside risk in the Asian market comes from the China-US trade war. The HKMA expects a solution but it must prepare for a continued trade war. In addition, the monetary policies of developed economies have shifted from tightening to easing which is beneficial to the currency and investment atmosphere in the region.

Hong Kong’s mobile payment development accelerates
Mobile payments in Hong Kong have entered the stage of rapid development. Alipay whose customers account for 22 percent and WeChat Pay whose customers account for 19 percent, are the market leaders followed by Apple Pay (13 percent) and PayMe (8 percent). In 2018 Hong Kong launched the ground-breaking Faster Payment System (FPS). The AlipayHK Smart Payment Popularity Index released by the Hong Kong Productivity Council reports an Overall Index at 53.9 above the 50-mark which reflects the growing popularity of mobile payments in Hong Kong. AlipayHK’s business has begun to expand into cities in the Guangdong-Hong Kong-Macao Greater Bay Area. At the same time, UnionPay has launched the “UnionPay” app services for Hong Kong and Macao’s UnionPay cardholders. launches exclusive offers for UnionPay cardholders launched the exclusive promotion codes for UnionPay cards allowing cardholders to enjoy up to 85 percent discounts in hotels in Japan and 88 percent discounts in hotels in other regions. To enjoy the discounts, cardholders only need to search the hotels on the reservation website, select the UnionPay card payment option on the payment page, enter the UnionPay credit card number starting with 62, fill the promotion code in the ‘use promotion code’ box and proceed to payment.


Mobile ordering system Putmenu to support WeChat Pay without the scanning of QR codes
Putmenu and Boxyz recently announced that with the help of Intasect Communications, an electronic payment service company, Putmenu the mobile ordering system, will support using WeChat Pay without the need for scanning QR code. Putmenu can automatically locate customers’ table number or room number and customers only need to bind Putmenu to WeChat to make payments.

TAIKO BANK to issue TAIKO Visa debit card
TAIKO BANK recently announced that it will cooperate with Mitsubishi UFJ NICOS to issue the TAIKO Visa debit card. This is the first time that a financial institution in Niigata Prefecture has issued a debit card with the Visa logo.
Haruyama Trading to introduce LINE Pay
Haruyama Trading a company running menswear chain stores, has recently announced that it will introduce LINE Pay in its 453 stores in Japan.
Users of Merpay exceed 1 million
Mercari recently announced that post launch of Merpay, users of the service now exceeds 1 million. Merpay now provides QR code payment has begun offering coupon services enabling consumers to benefit from discounts at Merpay’s partner stores.
JCB begins to introduce AI-enabled cash registers
JCB officially introduced ‘Wonder Register’ last month, a cash register empowered by artificial intelligence technologies developed by Signpost a software company for the JCB’s Takadanobaba Office. JCB tested the cash register between September 8 2018 and March 2019. The test results showed that 80 percent of customers choose using ‘Wonder Register’ rather than a manned cash register and that the Wonder Register greatly reduced employee workload and increased turnover by 40 percent.

G20 approaching, Japan prepares proposal to make its cryptocurrency regulation go global
Japan has developed a manual on a cryptocurrency regulatory proposal and is ready to distribute it to G20 leaders and international finance executives.
As the Japanese banking industry launches ‘Bank Pay’, competition in cashless payments is expected to grow
A Japanese digital settlement promotion agency composed of major banks in Japan announced that it will launch a new cashless payment tool, ‘Bank Pay’ which will be officially launched in October this year. It is expected that thousands of financial institutions, including large banks like MUFG Bank, local banks and credit unions, will adopt the service. Some analysts believe that financial institutions are lagging behind IT companies in the field of cashless payments ‘Bank Pay’ will seek to rectify this inbalance.


Indonesia, Thailand, Malaysia, and the Philippines strengthen local currency cooperation
During the ASEAN Finance Ministers and Central Bank Governors Meeting (AFMGM) held in Chiang Mai Thailand, central banks in Indonesia, Thailand, Malaysia and Philippines signed a local currency settlement framework agreement to promote the wider use of local currencies in trade activities between the countries. Indonesia and Thailand also agreed to expand the existing clearing scale and application scope of their local currencies. The four country local currency cooperation led by Indonesian has a longer term goal - the local currency cooperation within ASEAN. However, market analysts believe that the current scale and level of domestic currency settlement in ASEAN is still in its infancy stage with plenty of scope for future growth.

Indonesia’s Aruna wins Alipay-Nus Enterprise Social Innovation Challenge
The Alipay-NUS Enterprise Social Innovation Challenge jointly launched by Alipay and NUS Enterprise, the entrepreneurial arm of the National University of Singapore (NUS) announced that the Indonesian start-up Aruna as the grand final winner. Aruna was chosen based on its use of digital technology to help fishermen in Indonesia improve their livelihoods through better market access and fairer trading opportunities.


Cross-border mobile payment provider Citcon raises USD 5 million from East West Bank
CITCON, a cross-border mobile payment provider received a USD 5 million strategic investment from East West Bank. CITCON said that currently more than half of WeChat Pay and Alipay’s payment services in North America are handled by them. Citcon also cooperates with UnionPay to help UnionPay’s QuickPass service expand into North America. Citcon provides a payment platform between third-party payment companies and overseas merchants offering technical solutions as well as clearing services. This year, Citcon will continue extending its market expanding from North America to Europe followed by Asia.
Apple and Qualcomm reached reconciliation: Both agree to drop all litigation with Apple making a payment to Qualcomm
Qualcomm and Apple announced an agreement on April 17 to terminate all ongoing litigation including litigation with contract manufacturers of Apple. In addition, Apple will make a payment to Qualcomm. The two companies also reached a six-year license agreement effective April 1, 2019, including a two-year option to extend and a multiyear agreement to supply chips.

MasterCard acquires Vyze to expand POS financing options
MasterCard has acquired Vyze a point-of-sale financing platform that allows consumers to apply for extended payments to a retailer while at the checkout counter. The agreement enables MasterCard to provide flexible lending options when consumers are making purchases either in-store or online. The acquisition will provide additional choice to consumers beyond MasterCard’s existing credit card and ACH platforms.
Uber Eats now supports Apple Pay
Uber recently announced that it is adding Apple Pay to its popular Uber Eats app. Customers who want to use the payment option can now either do so using Face ID or Touch ID option inside the Uber Eats app. Uber Eats will roll out Apple Pay to almost 20 markets over the next few weeks. Uber highlighted Apple Pay’s security and privacy features and stressed that actual card numbers are not stored on the device or on the company’s servers.
Crypto Wallet & Visa Card launch Apple Pay & Google Pay on iPhone and Samsung devices announced that the Spend App is now integrated and compatible with both Apple Pay and Google Pay available on iPhone, Samsung, and other Android devices. Spend is now the first company in the world to offer this service tied to 16+ supported digital currencies. Spend users will be able to link their Spend Visa® Card and Spend Virtual Visa® Card directly to their Apple Wallet and Google Pay Wallet.
Problem gamblers using PayPal to gamble legally
PayPal has been accused of allowing compulsive gamblers to spend up to GBP 150,000 per day which prompts concerns that gambling addicts are utilizing PayPal to get around the limits established by traditional banks. PayPal stated that it was extremely concerned to hear the payment service was used to fund excessive online gambling. PayPal added that it reviewed its online controls and was making payment rules stricter.

Google Pay can import airline miles, reward points and more from Gmail
Google is rolling out a new Google Pay feature that will make life more convenient for users of the mobile wallet system. Google Pay will now be able to link to Gmail and pull in airline miles, retail reward points, and hotel benefits that show up in your inbox.
OTT Pay and Canada’s Wonderland partner to offer guests new mobile payment options
OTT Pay is announcing a partnership with Canada’s Wonderland to connect the amusement park to Chinese consumers. As of the park’s opening on May 3, guests will be able to use WeChat Pay or Alipay when buying tickets and season passes. “This partnership helps us accommodate the diversity of our guests and their preferred payment methods,” said Norm Pirtovshek, Canada’s Wonderland General Manager.
Barclays US introduces mobile card control features
Barclays US one of the nation’s fastest-growing credit card issuers and online banks has unveiled new digital features that will let card members actively manage a variety of card-related activities within the Barclays mobile app. These new features give card members an enhanced level of control over how, when and where their Barclays-issued credit cards are used. 
PayPal releases Cross-border Consumer Research after surveying customers in 31 countries
PayPal conducted a survey of 34k online consumers in 31 countries. The research says that the US and China are top cross-border destinations. Some 26 percent and 21 percent of all global purchases are made on a Chinese webshop and a US platform, respectively. In addition mobile devices including tablets, smartphones and smart TVs, are the most commonly used tools for online shopping in Asia, accounting for 44 percent. In Latin America and Africa mobile devices used for online purchases account for only 41 percent. Shopping on mobile devices is especially popular in China, Arabia and India, where approximately 60 percent of online shoppers use mobile devices for online shopping.
EMVCo, Fido Alliance and W3C form web payments interest group
The FIDO Alliance, EMVCo, and the World Wide Web Consortium (W3C) announced the creation of a new interest group for organizations to collaborate on a vision for Web payment security and interoperability. Participants will define areas of collaboration and identify gaps between existing technical specifications in order to increase compatibility among different technologies. “FIDO Alliance, W3C, and EMVCo develop complementary technologies that can enhance the security and convenience of web payments,” said Karteek Patel, Chair of the EMVCo Executive Committee.

Visa Next: Visa’s next “digital first” act
Visa has recently introduced a platform  complete with beta application programming interfaces (APIs), that will allow issuers and issuer processors to build and test new products. The company said the platform is available for the company’s clients and partners through Visa Next, a website billed as a ‘new destination’ for glimpsing and using new solutions in the payment giant’s ongoing pipeline. The initial beta APIs on offer will help those within the Visa ecosystem to create digital cards on demand and add digital services. The company also said that digital accounts can be used to activate and tokenize other digital accounts across various mobile pay wallets.
Visa and Wave collaborate to enable instant payouts for businesses
Wave, a financial management software firm has tapped Visa to introduce a payments solution that will provide small businesses faster access to cash. The new Instant Payouts feature will make use of Visa’s real-time push payments tool Visa Direct. Through the move, Wave customers will gain the ability to receive money in real-time.


Taiwan’s FSC promotes open banking with four principles
After referring to the measures taken by other countries and regions, the FSC intends to follow the ‘voluntary and self-discipline’ open model adopted by Hong Kong and Singapore. There are four principles that need to be followed: taking responsible innovations as core, encouraging innovation and building a friendly legal system, considering consumer rights and financial market order, and creating value and achieving the goal of financial inclusion.

Apple Pay launches offers to boost card binding
Apple Pay, which has operated in Taiwan for two years, is cooperating with the credit cards of 14 banks and Visa debit cards of six banks to increase the number of cards bound to Apple Pay. The offers to be provided include up to 16.8 percent cashback, rewards for coffee consumption, rewards for purchasing movie tickets and rewards for first time users.


Survey: Nearly 60 percent of South Koreans use convenient payments
According to a survey 56.8 percent of the respondents use convenient payments, and the average monthly transaction amount is approximately KRW 710,000. Among the respondents who use convenient payments, 77.2 percent use apps launched by credit card companies, 66.4 percent use platforms such as Kakao Pay and Naver Pay and 38 percent use services issued by mobile phone manufacturers or mobile communication companies, such as Samsung Pay and T Pay.
Shinhan Card and Visa jointly operate I'm Ventures
According to Shinhan Card it will cooperate with Visa to run I'm Ventures, an entrepreneurial support project. The two companies will support startups in the areas of payment settlement, artificial intelligence and big data amongst others.
BOK leaves rates on hold
The Bank of Korea (BOK) kept its policy rate unchanged as its export-reliant economy confronts softer global demand and trade war uncertainties. Markets look ahead to the central bank’s quarterly outlook review and experts said that BOK may downgrade its growth and inflation forecasts. Weaker growth amid sluggish exports and a stagnant property market have allowed the BOK to contemplate further stimulus which would mark a U-turn from its tightening cycle that began at the end of 2017.
Bank of Korea cuts 2019 growth forecast to 2.5 percent
Lee Ju-yeol, Governor of the Bank of Korea, said that the forecast for South Korea’s economic growth in 2019 will be lowered from an earlier growth estimate of 2.6 percent to 2.5 percent. Lee Ju-yeol said that exports and investment in the first quarter of the year were slower than expected. “Looking ahead, growth is expected to gradually rebound, helped by an expansion of fiscal spending and a recovery in exports and investment,” Lee said.
Shinhan Card launches credit card transfer service
To boost innovation in the card issuance and financial sectors, South Korea’s Financial Services Commission will choose two credit card companies to carry out the ‘Innovative Financial Services’ pilot project. According to Shinhan Card’ it will launch a service using credit cards to transfer money. The service is expected to go live in September.

Zero Pay processes an average of over KRW 100 million per day
Zero Pay which launched just four months ago processes an average of over KRW 100 million per day. Statistics show that the average daily transaction volume of Zero Pay this month was 5,123, which was nearly 10 times more than that in January. The Ministry of SMEs and Startups said it will continue to lure consumers into using Zero Pay. Convenience and chain stores in South Korea will also introduce Zero Pay from May this year.
Can MasterCard obtain the largest share in S. Korean market?
According to data in 2018, among credit cards issued by the six credit card companies such as Shinhan Card, Lotte Card, Hyundai Card and Woori Card, Visa accounted for 23.9 percent, MasterCard 23.3 percent, UnionPay cards 6.3 percent, and cards of other brands and South Korean domestic cards 46.5 percent. In 2017, Visa accounted for 24.0 percent, MasterCard 20.0 percent and UnionPay cards 5.2 percent. The gap between MasterCard and Visa has narrowed significantly in one year and MasterCard is expected to surpass Visa.. The significant increase in MasterCard’s share is affected by the conflict over fees between Visa and South Korean credit card companies. Meanwhile, UnionPay is also on the increase. Although UnionPay raised fees like Visa it still managed toincrease its share by 1.1 percent in one year.


Opening up of banking industry attracts foreign-funded institutions to the sector
Although the opening up of China’s financial industry is increasing there is still room for development from the perspective of the regulatory authorities. According to Wang Zhaoxing, vice chairman of the China Banking and Insurance Regulatory Commission (CBIRC), the CBIRC is speeding up a new round of opening up measures including further relaxing market access conditions, further broadening the scope of business operations of foreign financial institutions, further streamlining administration and delegating power to the lower levels, reducing procedures of administrative approval and optimizing administrative approval, further upgrading regulatory rules and improving external operation environment.

PBOC: In March transaction value in interbank money market increases by 13.95 percent YoY
The People’s Bank of China (PBOC) announced the operation situation of the financial market in March. The data shows that the transaction value in the inter-bank money market in March totaled CNY 84.6 trillion, up 13.95 percent YoY and 33.93 percent MoM. In addition, the bond market issued CNY 4.5 trillion worth of bonds in March. The value of cash transactions in the inter-bank bond market was CNY 17.6 trillion, with an average daily turnover of CNY 838.04 billion up 86.87 percent YoY and 31.30 percent MoM

PBOC: Keep promoting AML
The People’s Bank of China announced that the Financial Action Task Force (FATF) released a report on the anti-money laundering and counter-terrorist financing (AML/CFT. The report highlighted China’s positive progress in AML work in recent years and suggested that China expand its information sources on national money laundering and terrorist financing assessment. The relevant departments will take this report as an opportunity to continue promoting the county’s AML work in both depth and breadth and contribute to the prevention and control of major risks and the maintenance of financial security by taking the country’s conditions into consideration and adopting reasonable suggestions proposed in the report.
Alipay launches new-gen facial recognition payment device, to popularize it this year
Alipay announced that it will launch Dragonfly II, the second generation of facial recognition payment device which is based on offline consumption scenarios. The company will invest CNY 3 billion to popularize the facial recognition payment nationally to help merchants go digital.
Countries along Belt and Road Initiative woo Chinese tourists
The 15th China Outbound Travel & Tourism Market (COTTM) was recently held in Beijing. Matt Thompson, Project Director of the Tarsus Group, organizer of the COTTM, said at the press conference that the Chinese travelers’ outbound travel mode has undergone a significant change. According to a report by global data analysis company Nielsen, Chinese travelers use mobile payments more during overseas travels than cash payments. Exhibitors from countries and regions along the Belt and Road Initiative were present. Among them, the National Tourism Organisation of Serbia (TOS) said that since the implementation of the visa-free policy in addition to group tourists, more and more free travelers have also visited Serbia. As a result, Serbia’s tourism industry is also undergoing some changes. For example, Chinese tourists are now able to use UnionPay cards to withdraw money and pay.


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Russian Agricultural Bank launches Huawei Pay service for UnionPay cardholders
Russian Agricultural Bank launched the Huawei Pay service for UnionPay cardholders. It is reported that the bank is one of the first banks in Russia to offer the new service. The general manager of UnionPay Russia stated that the introduction of Huawei Pay is an important step for UnionPay International to develop its business in Russia. So far, Huawei Pay is only available to UnionPay cardholders in China. Russia has become the second market where UnionPay cardholders can use Huawei Pay.
Average number of credit cards per person in Russia almost catches up with that in Europe
The Russian Central Bank said that Russia’s cashless payments are growing rapidly Data shows that more than 56 percent of retail transactions in 2018 were cashless payments. In addition, the average number of credit cards per person in Russia is nearly on a par with that in Europe and each resident now has an average of two bank cards.
UniCredit Bank Russia issues new MasterCard debit card
UniCredit Bank Russia will issue a new MasterCard debit card. Customers can get up to 10 percent cashback when spending at gas stations and on public transportation using the card. In addition, holders of the card can withdraw cash from ATMs of UniCredit SpA and partner banks such as Credit Bank of Moscow free of charge.
The number of POS terminals in Kazakhstan increased by 7 percent
Data show that as of the end of February 2019 the number of POS terminals in Kazakhstan was 138,900, an increase of 6.9 percent compared with the same period last year. 93.9 percent of those terminals were installed in shops. The number of POS terminals in banks dropped by 14.2 percent to 8,500. In addition, in January and February 2019, Kazakhstan completed 72 million transactions through POS terminals with total transaction value reaching KZT 805.2 billion.

CBR sees risks of payment disruption due to sanctions
At least one-third of customers of Russian banks may not be able to purchase goods online using bank cards. The Central Bank of Russia (CBR) and the NSPK see risks escalating after Evrofinance Mosnarbank was sanctioned. Most of Russia’s important services including bank card services, online payment and transfers are done in cooperation with US or European companies. The CBR has informed the Russian credit organizations of the risks that they may face and advised them to turn to cooperate with domestic companies. Experts believe that the US sanctions on the Russian financial system will affect payment services of at least 120 credit institutions.

Shipilovskaya begins to accept contactless payments
Equipment for accepting contactless payments such as bank cards and mobile payments has been installed in Shipilovskaya the Moscow Metro station. Passengers can now pay MasterCard, Visa, MIR and UnionPay’s contactless bank cards or mobile payments.


RBNZ governor: Easing bias remains for now because of economic risks
Adrian Orr, Governor of the Reserve Bank of New Zealand (RBNZ) said that an easing bias on interest rates will remain in place for now and that softer global economic conditions had contributed to the bank’s recent shift to a dovish policy tone. At the policy meeting in March, the RBNZ kept rates unchanged, but stunned markets by clearly stating that the next move in rates would likely to be a cut.


UnionPay, Bank Alfalah sign deal
UnionPay International (UPI) and Bank Alfalah have signed an agreement to launch MoneyExpress in Pakistan. MoneyExpress, powered by UnionPay is an easy way to send money electronically to anyone in Pakistan with a UnionPay card. MoneyExpress eliminates the hindrance of wire transfers and cash.


EU to grant Brexit delay but may demand a longer extension and conditions
The European Union will grant Prime Minister Theresa May a second delay to Brexit. In a sign of just how far the Brexit crisis has sapped British power, Mrs May dashed to Berlin and Paris on the eve of the summit to ask Angela Merkel and Emmanuel Macron to allow her to put off the departure date to June 30 from April 12. But in Brussels, a ‘flextension’ until the end of the year or until March 2020 was shaping up to be the most likely option, EU diplomats said. Such an option would allow Britain to leave earlier if the Brexit deadlock in London is overcome.
Court revives GBP 14 billion class action suit against MasterCard
An EUR 14 billion class action lawsuit against MasterCard over interchange fees is back on after the Court of Appeal granted permission to challenge an earlier decision to dismiss the case. In July 2017, the Competition Appeals Tribunal (CAT) blocked the suit  which is on behalf of 46 million Brits  concluding that the claims were not suitable under the current collective action regime. However, the Court of Appeal has now set aside the CAT ruling and decided that the claimants can have their case for certification of the class action reheard.
Eurostar adds support for Google Pay tickets for all journeys
Eurostar has become the world’s first international train service to introduce Google Pay tickets to help reduce the usage of paper alternatives. Passengers using Google Pay on a device with Android 5.1 or higher now have the ability to save their mobile ticket directly to their Google Pay account from within the Eurostar app. Using this mobile ticket the traveler is able to head directly to departure gate and through customs checks without needing to print a physical ticket.
Stripe acquires Dublin-based Touchtech Payments for ID authentication technology
Stripe the San Francisco-based payments technology provider has acquired Touchtech Payments, a Dublin-based firm. Stripe said it expects that the acquisition will help it strengthen European banks identity authentication capabilities in advance of new European regulations scheduled to go into effect later this year. European regulators have mandated a new digital verification system, ‘Strong Customer Authentication’, starting September 14 at which time more than 300 million consumers will need to use a password, phone or fingerprint to verify their identity when making an online purchase. Merchant customers served by Stripe and banks served by Touchtech must update their respective payments systems to comply with the new rules or risk having transactions declined.

Credit Suisse introduces Samsung Pay
Clients of Credit Suisse in Switzerland will be able to use Samsung Pay to make payments from their Swisscard issued credit cards. With this step, Credit Suisse is expanding its mobile payment offering which already encompasses TWINT and SwatchPAY!. Additional partnerships are expected to follow. With Samsung Pay, Credit Suisse is now offering its clients even greater flexibility in online and mobile payments in response to the growing demand for alternative payment options. 

SWIFT requires completing migration to ISO 20022 by 2025
SWIFT has created the Cross-Border Payments and Reporting Plus (CBPR+) group. The group, formed of international payments experts will join forces to formulate global Market Practice and Implementation Guidelines to promote the implementation of the cross-border payment ISO 20022 standards. The guidelines proposed by the working group will lay the cornerstone for a successful migration of cross-border payments traffic to ISO 20022 set to begin in November 2021. The migration of cross-border payments to the standards will start in November 2021. A four-year co-existence period will allow all members of the SWIFT community to make the switch and ensure readiness by the end of 2025.
ECB’s Nowotny sees euro-area economy stabilizing in second half
The European Central Bank (ECB) is unlikely to significantly lower its growth forecasts in June as the euro-area economy should at least stabilize in the second half of the year, according to Governing Council member Ewald Nowotny. Nowotny joins a number of policy makers including ECB President Mario Draghi who in recent days have expressed cautious optimism for the economic outlook of the euro zone. Officials already pushed back interest-rate increases beyond this year and announced a new funding plan for banks that will become operational in September.

MasterCard “likely to settle GBP 14 billion claim and claw back cash”
MasterCard faces mounting commercial pressure to settle a landmark GBP 14 billion consumer rights claim, lawyers have said. Judges revived the claim, which is being made on behalf of 46 million British consumers this week, but the financial services group plans to launch an appeal. However, lawyers said that settling the claim out of court would be a more astute strategy as MasterCard might be able to claw back some of the payout.


All taxis in Dubai accept payment via smartphones
Dubai’s Road Transport Authority (RTA) has installed devices in all taxis across the country to accept NOL cards, credit cards, and the use of Apple Pay, Samsung Pay, and other mobile payments. According to the RTA as new payment methods are introduced the number of passengers increases.

CellPoint Mobile enables Viva Air to become the first airline in Latin America to offer Apple Pay and Google Pay
CellPoint Mobile, a leading provider of digital commerce and payment solutions for airlines and travel companies will enable the roll-out of multiple digital and mobile payment methods for Viva Air, starting with Apple Pay, Google Pay, MasterPass and Visa Checkout. CellPoint Mobile is fast-tracking the deployment of these payment methods along with Viva Air’s current payment provider Ingenico. The launch of these new payment methods will make the Colombian carrier the first in Latin America to offer Apple Pay and Google Pay.