I initiated a transfer of funds from my bank to Google Pay on Feb 10th, and Google Pay indicated the funds would not be available until Feb 17th. My bank sent the funds on the 11th. It appears Google Pay will not make the money available until the 17th even though it appears they have received the funds. Holding the funds several days after receiving is poor practice, but I imagine the small amounts of interest received by holding the money a few extra days among thousands of users adds up.