I agree with the concept of giving the consumer the choice of payment wallet; with two slight doubts. Firstly, if Google can get everyone to sign up for their version, particularly if they can incentivize them to use bank accounts/ debit cards to fund their accounts, then making no charge to the merchant (other than having paid for the ad placement) is worth trying. Secondly, it would be interesting to know how Google would cost the 'fat finger fraud factor' - 4Fs - in the pricing; speed is good, ease of payment is good, but if one ends up buying something off your cell phone without meaning to (or maybe intending to cheat the system) I can see it may have some problems. Not least, if they do permit card-based payments, what the chargeback rates may reach?