Google Pay will now work with all banks after Curve integration

Google Pay will now work with all banks after Curve integration

UK fintech Curve is now allowing its users with Android-operating devices to shop with Google Pay.

The 'over-the-top' banking platform provides its users with a single Curve card which can make payments from any other bank card they have.

Curve's integration with Google Pay means its users will be able to link all their bank cards to Google Pay irrespective of the provider.

At the same time, it provides all banks whose cards use Mastercard and Visa with Google Pay support.

While many major UK banks already offer Google Pay, there are some that have instead built NFC-enabled payments into their own apps, such as Barclays and Virgin.

Curve will be looking to drive use of its platform through the added convenience of being able to shop without having the physcial card handy.  

Google Pay also has the advantage over standard contactless payments of not being limited to transactions of £30 or less.

Head of product at Curve, Diego Rivas, says: "By combining the Google Pay experience with Curve’s unique all your cards in one and money management features, Curve customers get to experience one of the most rewarding and feature packed personal finance products on the market."

This announcement follows hard on the heels of Curve's integration with Samsung Pay, launched earlier this week. Support for Apple Pay is also currently in the works.

Curve secured $55m as part of a Series B funding round in July. This valued the company at a quarter of a billion dollars, placing it in the top five UK consumer fintechs alongside Transferwise, Monzo, Revolut and Starling.

Comments: (1)

A Finextra member
A Finextra member 07 November, 2019, 09:49Be the first to give this comment the thumbs up 0 likes

How will Curve meet the PSD2 strong customer authentication (SCA) requirement valid from 14 September in the EU for the funding transaction between my Curve card and my legacy bank card? When I use Curve at a supermarket I can do a chip+pin payment with the curve card, or use samsungpay nfc "tap and go" payment. Perfectly OK according to PSD2. Then Curve needs to fund the supermarket transactiom from my Bank X Visa debit card - how is this "funding" transaction authenticated by me? Do I need to do an e-comm Bank X debit card payment and authenticate with strong customer authentication in a 3Dsecure v2.X flow right after the Curve payment in the supermarket check-out? Curve funding payment does not qualify as a Merchant Initiated Transaction (MIT - out of scope for the PSD rules on SCA) since it is Curve that initiates a payment from my BankX debit card  to themselves and not the supermarket... the PSD 2 SCA rules should apply? Is my legacy Bank X going to allow this and risk breaching the PSD2? 

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