The 'Google Payments PIN' is annoying to use, but it won't be around for long.
When Android Pay finally arrived to replace the withering-on-the-vine Google Wallet, everyone rushed to get their cards into the app. Those who had a "supported" card from a bank that was in partnership with Google for the launch had a solid experience — tap your phone, and you paid. Anyone who added an unsupported card faced a new hurtle, having to both use a secure lock screen and enter a "Google Payments PIN" code at the time of payment. One extra tap and interaction with the screen, making Android Pay surprisingly less useful.
That's confusing, and Google's (lack of) explanation on the topic isn't helping the situation. We're going to explain what's going on here, why you're being asked to use a PIN code for payments and ultimately what you can do to avoid that.
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