I don't think it ever needs it. But, as I said earlier, giving it access anytime can be cool because, while you're shopping or whatever, it will pull up your member card automatically (like at Kroger). It's not 100% reliable, but it's cool when it happens.And, since location access has been changed, any app that had location access is going to be asking for it again - you can now give it access only when the app is running. (Why it would need access when it's not running is something I haven't figured out yet, but maybe that's set up for something in 11.)
Not coupons. Scan bars for those member cards. There is a simple name for these but I can't remember. Anyway, you have to scan your membership card into GPay but if you do... And IF if happens to see that you are there and IF Google is feeling helpful, it will pop up while you're there. It's as dependable as... Well, most Google Automation. :/interesting. i have never had it pop up coupons for any store.
Loyalty cards?There is a simple name for these but I can't remember.