(Googler, opinions are my own). I work on payments, but I don't have intricate knowledge about how autofill and "google pay" accounts work.<p>I think the confusion here is around having a payments profiles and Google Pay. Looks like we started calling your payments profile now having a "Google Pay account".<p>There is Google Pay (the app for tap-and-pay, along with P2P payments), then there is having a Payments Profile (which apparently we're now calling Google Pay, because that's not confusing), which you use for buying things on Google's properties.<p>There used to be a <a href="https://payments.google.com" rel="nofollow">https://payments.google.com</a> but that just redirects to <a href="https://pay.google.com/" rel="nofollow">https://pay.google.com/</a>. This is your payments profile. As far as I understand, when you added a card for chrome autofill, it would create a payments profile, as the card was stored as part of that system. The support docs say something like this: <a href="https://support.google.com/chrome/answer/142893?hl=en" rel="nofollow">https://support.google.com/chrome/answer/142893?hl=en</a><p>> When you’re signed in to Chrome and you enter your payment method into an online form, Chrome may ask if you want to save your payment info in Google Pay. If you accept, your payment information is saved in Google Pay. If Google Pay doesn’t support your payment method, Chrome may offer to save it locally on your device.<p>The Google Pay app (used for Tap-And-Pay) has its own activation process for being able to use a card, as it requires a 2FA process (depending on your bank).