What Google Pay's terms say
Google Pay's terms of service and privacy policy have 6 rated points: 0 serious, 1 bad, 5 worth knowing and 0 good. 3 apply whenever you use the site, signed in or not; 3 only once you have an account.
I have a Google Pay account
I only visit it
Adds Google Pay to your list and compares it with the other sites you use.
Signed in or not
Whenever you use Google Pay
Bad 1
Your profile is combined across various products
Where it says this ↗
Worth knowing 2
There is a date of the last update of the agreements
Where it says this ↗This service is a subsidiary of Company X
This service is a subsidiary of Google LCC
Where it says this ↗
With an account
If you have a Google Pay account
Worth knowing 3
You must create an account to use this service
Where it says this ↗You are responsible for maintaining the security of your account and for the activities on your account
Where it says this ↗You must report to the service any unauthorized use of your account or any breach of security
Where it says this ↗
The documents
Ratings by ToS;DR volunteers; they can lag behind the current terms. Not legal advice.