Banks and networks (Visa etc) don't share the customer information with the merchant. There was a class action law suit against merchants asking for Zipcode. h

Banks and networks (Visa etc) don't share the customer information with the merchant. There was a class action law suit against merchants asking for Zipcode. http://articles.latimes.com/2011/feb/16/business/la-fi-0216-zip-lawsuits-20110216 http://articles.latimes.com/2011/feb/16/business/la-fi-0216-... Here Google is acting like a network and the developer is the merchant. There is absolutely no requirement (from a legal perspective) to pass on the customers' information to the merchant. Visa and the issuer bank don't share any personal details of the customer with the merchant, which is what Google and Paypal (and probably square) are promising the merchants, if they use their payment system.