Need clarification on how to use Google Pay

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Hello, folks.

There seems to be quite a bit of conflicting info out there on how to use Google Pay after you’ve set it all up; cards transferred to watch, verified by bank, Google Pay installed and configured, NFC turned on, etc.

The conflicting info centers around actual useage at the POS.

I’m hoping to get definitive answers here.

Conflict #1… You have to open GP app, select card if you have multiple cards, then hold the watch to the terminal until it beeps/vibrates.

Or…

Just hold your watch at the terminal, and the GP app and default card on GP will simply invoke and be used.

Which is it?

Conflict #2… You have to unlock your phone every time you want to use the GP app.

Or…

You have to unlock your phone itself every time you put it back on after having taken it off, but won’t have to unlock it again while it’s on, even when using GP.

Question in addition…

I’ve read that sometimes you might be asked for your PIN at the POS. Does that mean use tbe keypad on the terminal as I would when using my actual card, or the unlock PIN on my watch?

Thank you for your help.

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