Technology has advanced dramatically in the last few decades. It has evolved from big computers to supercomputers, sleek tabs, and smartphones. All in all, people use their smartphones for almost everything in their lives. Mainly, this includes making payments via digital wallets.

Hence, Real Research launched a survey on the use of digital wallets: PayPal vs. Google pay. This survey explores why people have embraced digital wallets to make payments instead of using actual cash. It also aims to highlight Google Pay and Paypal their advantages. Here are the results.


  • 50.85% find financial companies like card networks or banks trustworthy.
  • 30.80% say they are using 1-2 digital wallets currently.
  • 51.74% say that PayPal has a fast processing digital wallet.

Views on the Use of Digital Wallets

The survey on the use of digital wallets: PayPal vs. Google Pay, starts with a question about which form of payment respondents mostly use. In response, 45.46% say they use credit or debit cards, 18.80% say they use cash, and 13.43% say they use bank transfers. In comparison, 10.14% use digital wallets the most. Others also say they use cryptocurrency (5.05%), cheques (3.33%), and gift certificates/gift cards (3.23%).

Figure 1 Respondents reveal if they are using digital wallets
Figure 1: Respondents reveal if they are using digital wallets

Next, the survey asks whether respondents ever use digital wallets. In reply, all 70.55% say ‘yes, I am currently using them’ while 14.56% say ‘yes, I used to but not anymore. Lastly, 14.88% say ‘no’.

Accordingly, the survey asks respondents how long they have used digital wallets. In reply, the majority (51.94%) say ‘less than a year’, 29.11% say ‘1-3 years’, and 10.56% say ‘4-6 years’. Lastly, about 4.52% say ‘more than 10 years’ and 3.87% say ‘7-9 years’.

Furthermore, the survey asks if they have ever used ‘PayPal’ or ‘Google Pay’. In response, 53.16% say ‘yes, I am currently using PayPal’ while 21.94% say ‘yes, I am currently using Google Pay’. Meanwhile, 12.82% say ‘no, I use neither’ and 12.08% say ‘yes, I am using both’.

Next, the survey asks why respondents use PayPal, and the majority of 56.16% say it is the world’s first and most trusted digital wallet. Similarly, 16.58% say it has many users across the globe. Furthermore, 9.81% say PayPal is accepted in numerous online stores. In contrast, 9.62% use Google Pay. Additionally, 3.97% say it is used for overseas transfer and business purposes. Lastly, 3.43% say merchants offer cashback services.

Further on, the survey asks respondents why they use Google Pay. A majority of 55.51% say there is no bank transfer fee. Also, 23% say it is the most suitable digital wallet for Android smartphones. On the other hand, 8.46% say they use PayPal. Whereas 6.89% say, they use Google Pay as a travel card for subways and bus fares. Similarly, 5.74% say they use it to purchase google products.

Exploring the Disadvantages and Advantages of Digital Wallets

The survey then asks about the biggest advantages of digital wallets. Above all, 63.07% say payment can be made without a card or cash, with just a smartphone. Similarly, 14.17% say that payment is made simple and processing checkout is shortened. Whereas, 7.07% say digital wallets enable convenient online purchases.

In addition, 5.92% say bank and card information will be encrypted, ensuring high security. Also, 4.78% say digital wallets are used to pay bills and transfer money. Lastly, 4.27% say they can add multiple cards, which is easier to manage.

Figure 2 Respondents express the advantages of digital wallets
Figure 2: Respondents express the advantages of digital wallets

Next, the survey asks — what is the biggest disadvantage of digital wallets? To this, a majority of 49.48% say not all cards are compatible with digital wallets, while 20.55% feel transactions may fail without a good internet connection. Moreover, 7.93% believe technical issues such as QR code or barcode errors may occur. A further 6.75% say that those unfamiliar with smartphones may have a hard time using digital wallets. Lastly, 6.60% say some merchants don’t accept digital wallets (limited retailers).

Further on, the survey asks which digital wallet company they find the most trustworthy. In reply, respondents say financial companies such as card networks or banks (50.85%). In addition, Fintech companies such as PayPal (15.85%) and smartphone manufacturers such as Apple Pay or Samsung Pay (10.82%). Likewise, 6.78% say they would prefer e-commerce companies such as Amazon Pay and Alipay while 4.69% say retailers such as Walmart Pay.

Furthermore, the survey asks which digital wallet they use other than PayPal and Google Pay. In response, respondents chose Cash App (26.92%), Samsung Pay (20.19%), Amazon Pay (19.95%), and Apple Pay (9.45%). Lastly, Android Pay (8.82%), Ali Pay (6.04%), and Walmart Pay (4.61%).

Next, the survey asks respondents why they use several digital wallets. In reply, 37.96% say available platforms are different for each merchant. Whereas, 30.54% feel the benefits are varied for each wallet. However, 17.93% say they can instantly switch to another wallet in case of an error on the wallet. Meanwhile, 12.76% feel they have a selection to choose from for different purposes.

The Final Verdict: PayPal vs. Google Pay

Accordingly, the survey asks respondents which digital wallet is more convenient to make payments, Paypal or Google Pay? All 52.70% chose PayPal while 31.45% chose Google Pay. Moreover, the survey asks respondents which digital wallet processes faster, PayPal or Google Pay? Here, 51.74% say PayPal is faster while 33.42% chose Google Pay.

Figure 3 Final Verdict on PayPal vs. Google Pay

Next, the survey asks respondents which digital wallet do merchants accept the service, PayPal or Google Pay? All 52.27% say PayPal, while 33.35% prefer Google Pay. Accordingly, the survey asks if the respondents’ spending has increased after using digital wallets. In response, 68.59% say ‘yes’ and 19.88% say ‘no’. Next, the survey asks while using digital wallets, how do respondents pay? In answer, credit cards (59.31%), bank accounts (29.59%), and pre-paid cards (11.11%).

To conclude, the survey asks respondents if they will continue to use PayPal or Google Pay in the future?. All 51.77% say ‘yes, they will continue using PayPal’. On the other hand, 22.43% say ‘yes, they will continue using Google Pay’. Meanwhile, 7.14% think they will switch to other digital wallets. Lastly, 5.25% will use a different form of payment.


Survey TitleSurvey on the Use of Digital Wallets: PayPal vs Google Pay
DurationMay 09 – May 16, 2022
Number of Participants30,000
DemographicsMales and females, aged 21 to 99
Participating Countries Afghanistan, Algeria, Angola, Argentina, Armenia, Australia, Azerbaijan, Bahrain, Bangladesh, Belarus, Benin, Bolivia, Brazil, Brunei, Bulgaria, Burkina Faso, Cambodia, Cameroon, Canada, Chile, China, China (Hong Kong) China (Macao), China (Taiwan), Colombia, Costa Rica, Croatia, Czech Republic, Ecuador, Egypt, El Salvador, Ethiopia, Finland, France, Gambia, Georgia, Germany, Ghana, Greece, Greanada, Guatemala, Honduras, Hungary, India, Indonesia, Iraq, Ireland, Israel, Italy, Ivory Coast, Japan, Jordan, Kenya, Kuwait, Kyrgyzstan, Latvia, Lebanon, Libya, Lithuania, Malaysia, Maldives, Maluritania, Mexico, Moldova, Mongolia, Morocco, Mozambique, Myanmar [Burma], Namibia, Nepal, Nicaragua, Nigeria, Oman, Pakistan, Palestine, Panama, Peru, Philippines, Poland, Portugal, Qatar, Romania, Russia, Saudi Arabia, Serbia, Sierra Leone, Singapore, Slovakia, South Africa, South Korea, Spain, Sri Lanka, Tanzania, Thailand, Togo, Tunisia, Turkey, Turkmenistan, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Venezuela, Vietnam, Yemen, Zimbabwe.