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Shift4

Shift4

Hospitality & Retail

VS

Google Pay

Android Mobile Payments

Google Pay
Fees from
0.05% + $0.03 above interchange vs Free for consumers, merchant fees via processor
Features

1 shared

1 unique to Shift4
Regions

2 shared

2 unique to Google Pay
Pay methods

1 shared

8 unique to Shift4 · 3 unique to Google Pay
On fees

Shift4 publishes 0.05% + $0.03 above interchange from. Google Pay publishes Free for consumers, merchant fees via processor from. Verify directly with each provider before signing.

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Show full specs
2 features · 12 payment methods · 4 regions. We don't rank these — they're here for reference.
Shift4 Shift4
Google Pay Google Pay
Quick Facts
Fees
Standard transaction rate
0.05% + $0.03 above interchange
Free for consumers, merchant fees via processor
Settlement
Time to receive funds
1–2 business days
Same day
Founded
1999
2015
Headquarters
Allentown, Pennsylvania
Mountain View, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Shift4 leads (2 vs 1)
Instant Payout
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Shift4 leads (9 vs 4)
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Gift Card Unique
✓
—
Google Pay
✓
✓
Jcb Unique
✓
—
Mastercard Unique
✓
—
Visa Unique
✓
—
Regions
Google Pay leads (4 vs 2)
Asia Unique
—
✓
Europe
✓
✓
North America
✓
✓
Oceania Unique
—
✓

Shift4 is best when you...

Hospitality & Retail
Need Startup Friendly
Not available with Google Pay
View Shift4

Google Pay is best when you...

Android Mobile Payments
Want coverage in Asia, Oceania
Shift4 doesn't cover these regions
View Google Pay

Frequently Asked Questions

What is the difference between Shift4 and Google Pay?
They share 1 payment method and 2 regions. Shift4 adds Amex, Apple Pay, Diners Club and 5 more that Google Pay does not list; Google Pay adds Bank Transfer, Credit Card, Debit Card that Shift4 does not list; Google Pay also covers Asia, Oceania; only Shift4 offers Startup Friendly.
Which is cheaper, Shift4 or Google Pay?
Shift4 has published rates from 0.05% + $0.03 above interchange; Google Pay has published rates from Free for consumers, merchant fees via processor. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Shift4 and Google Pay?
Shift4 lists 2 regions and 9 payment methods; Google Pay lists 4 and 4. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Shift4 and Google Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Shift4 settles in 1–2 business days, Google Pay in Same day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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