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Google Wallet is a peer-to-peer payments service developed by Google that allows people to send and receive money from a mobile device or desktop computer at no cost to either sender or receiver. When set up, a Google Wallet account must be linked to an existing debit card or bank account in the United States. Google Wallet can be used through the Google Wallet app, Gmail and the Google Wallet Card. The app is available for Android devices running Android 4.0 and above, and for iOS devices running iOS 7.0 and above. Google Wallet also had NFC payment capabilities, until the creation of Android Pay.