Google wallet uses à virtual card so that every transaction gets sent to google for treatment & then rerouted onto the real cards they people add to GW. Thus Google are getting a copy of every transaction everyone makes using GW. This ingredibly intrusive individually identified transaction history is what Google is using to make money off of GW.
Apple Pay sets up a token for each card enrolled into it and is architectured so that Apple cannot get a copy of the transactions. Apple gets a cut off of the card issuers transaction fees for having secured transactions and thus diminishing fraud but Apple cannot sell your individualized credit history the way Google does.
That right there is why GW is DOA for everyone with a minimum of common sense. Yeah, sure I'll give Google my search history & sometimes my location, but NOT my credit history too, waaay too many eggs going into that basket.