To use Google Pay, you need to authorise each transaction via Face ID, Touch ID or password. 

This functionality prevents people other than the user from using Google Pay. 👍

If an Android device with 💳 BT cards set up in Google Pay is lost/stolen, you can lock it and delete the data from the device. 🔒 You need to sign in to your Google account and use the "Find My Device" feature to lock the lost device and/or delete the device data.

The card(s) will be suspended or deleted from Google Pay, even if the device is offline or not connected to a mobile network or Wi-Fi network. 

You can also call your card-issuing bank if your device is lost/stolen to suspend or delete cards from Google Pay. 🙂