diff --git a/modules/ppcp-googlepay/services.php b/modules/ppcp-googlepay/services.php
index 11cbd740b..c1ef967a1 100644
--- a/modules/ppcp-googlepay/services.php
+++ b/modules/ppcp-googlepay/services.php
@@ -29,12 +29,13 @@ return array(
 		$apm_applies = $container->get( 'googlepay.helpers.apm-applies' );
 		assert( $apm_applies instanceof ApmApplies );
 
-		return $apm_applies->for_country_currency();
+		return $apm_applies->for_country() && $apm_applies->for_currency();
 	},
 
 	'googlepay.helpers.apm-applies'               => static function ( ContainerInterface $container ) : ApmApplies {
 		return new ApmApplies(
-			$container->get( 'googlepay.supported-country-currency-matrix' ),
+			$container->get( 'googlepay.supported-countries' ),
+			$container->get( 'googlepay.supported-currencies' ),
 			$container->get( 'api.shop.currency' ),
 			$container->get( 'api.shop.country' )
 		);
@@ -81,767 +82,84 @@ return array(
 	),
 
 	/**
-	 * The matrix which countries and currency combinations can be used for GooglePay.
+	 * The list of which countries can be used for GooglePay.
 	 */
-	'googlepay.supported-country-currency-matrix' => static function ( ContainerInterface $container ) : array {
+	'googlepay.supported-countries'               => static function ( ContainerInterface $container) : array {
 		/**
-		 * Returns which countries and currency combinations can be used for GooglePay.
+		 * Returns which countries can be used for GooglePay.
 		 */
 		return apply_filters(
-			'woocommerce_paypal_payments_googlepay_supported_country_currency_matrix',
+			'woocommerce_paypal_payments_googlepay_supported_countries',
 			array(
-				'AU' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'AT' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'BE' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'BG' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'CA' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'CY' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'CZ' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'DK' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'EE' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'FI' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'FR' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'DE' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'GR' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'HU' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'IE' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'IT' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'LV' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'LI' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'LT' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'LU' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'MT' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'NO' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'NL' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'PL' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'PT' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'RO' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'SK' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'SI' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'ES' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'SE' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'GB' => array(
-					'AUD',
-					'BRL',
-					'CAD',
-					'CHF',
-					'CZK',
-					'DKK',
-					'EUR',
-					'GBP',
-					'HKD',
-					'HUF',
-					'ILS',
-					'JPY',
-					'MXN',
-					'NOK',
-					'NZD',
-					'PHP',
-					'PLN',
-					'SEK',
-					'SGD',
-					'THB',
-					'TWD',
-					'USD',
-				),
-				'US' => array(
-					'AUD',
-					'CAD',
-					'EUR',
-					'GBP',
-					'JPY',
-					'USD',
-				),
+				'AU', // Australia
+				'AT', // Austria
+				'BE', // Belgium
+				'BG', // Bulgaria
+				'CA', // Canada
+				'CN', // China
+				'CY', // Cyprus
+				'CZ', // Czech Republic
+				'DK', // Denmark
+				'EE', // Estonia
+				'FI', // Finland
+				'FR', // France
+				'DE', // Germany
+				'GR', // Greece
+				'HU', // Hungary
+				'IE', // Ireland
+				'IT', // Italy
+				'LV', // Latvia
+				'LI', // Liechtenstein
+				'LT', // Lithuania
+				'LU', // Luxembourg
+				'MT', // Malta
+				'NL', // Netherlands
+				'NO', // Norway
+				'PL', // Poland
+				'PT', // Portugal
+				'RO', // Romania
+				'SK', // Slovakia
+				'SI', // Slovenia
+				'ES', // Spain
+				'SE', // Sweden
+				'US', // United States
+				'GB'  // United Kingdom
+			)
+		);
+	},
+
+	/**
+	 * The list of which currencies can be used for GooglePay.
+	 */
+	'googlepay.supported-currencies'              => static function ( ContainerInterface $container ) : array {
+		/**
+		 * Returns which currencies can be used for GooglePay.
+		 */
+		return apply_filters(
+			'woocommerce_paypal_payments_googlepay_supported_currencies',
+			array(
+				'AUD', // Australian Dollar
+				'BRL', // Brazilian Real
+				'CAD', // Canadian Dollar
+				'CHF', // Swiss Franc
+				'CZK', // Czech Koruna
+				'DKK', // Danish Krone
+				'EUR', // Euro
+				'GBP', // British Pound Sterling
+				'HKD', // Hong Kong Dollar
+				'HUF', // Hungarian Forint
+				'ILS', // Israeli New Shekel
+				'JPY', // Japanese Yen
+				'MXN', // Mexican Peso
+				'NOK', // Norwegian Krone
+				'NZD', // New Zealand Dollar
+				'PHP', // Philippine Peso
+				'PLN', // Polish Zloty
+				'SEK', // Swedish Krona
+				'SGD', // Singapore Dollar
+				'THB', // Thai Baht
+				'TWD', // New Taiwan Dollar
+				'USD'  // United States Dollar
 			)
 		);
 	},
diff --git a/modules/ppcp-googlepay/src/Helper/ApmApplies.php b/modules/ppcp-googlepay/src/Helper/ApmApplies.php
index 84ad2e057..96a16b210 100644
--- a/modules/ppcp-googlepay/src/Helper/ApmApplies.php
+++ b/modules/ppcp-googlepay/src/Helper/ApmApplies.php
@@ -16,11 +16,18 @@ namespace WooCommerce\PayPalCommerce\Googlepay\Helper;
 class ApmApplies {
 
 	/**
-	 * The matrix which countries and currency combinations can be used for GooglePay.
+	 * The list of which countries can be used for GooglePay.
 	 *
 	 * @var array
 	 */
-	private $allowed_country_currency_matrix;
+	private $allowed_countries;
+
+	/**
+	 * The list of which currencies can be used for GooglePay.
+	 *
+	 * @var array
+	 */
+	private $allowed_currencies;
 
 	/**
 	 * 3-letter currency code of the shop.
@@ -39,30 +46,39 @@ class ApmApplies {
 	/**
 	 * DccApplies constructor.
 	 *
-	 * @param array  $allowed_country_currency_matrix The matrix which countries and currency combinations can be used for GooglePay.
+	 * @param array  $allowed_countries The list of which countries can be used for GooglePay.
+	 * @param array  $allowed_currencies The list of which currencies can be used for GooglePay.
 	 * @param string $currency 3-letter currency code of the shop.
 	 * @param string $country 2-letter country code of the shop.
 	 */
 	public function __construct(
-		array $allowed_country_currency_matrix,
+		array $allowed_countries,
+		array $allowed_currencies,
 		string $currency,
 		string $country
 	) {
-		$this->allowed_country_currency_matrix = $allowed_country_currency_matrix;
-		$this->currency                        = $currency;
-		$this->country                         = $country;
+		$this->allowed_countries  = $allowed_countries;
+		$this->allowed_currencies = $allowed_currencies;
+		$this->currency           = $currency;
+		$this->country            = $country;
 	}
 
 	/**
-	 * Returns whether GooglePay can be used in the current country and the current currency used.
+	 * Returns whether GooglePay can be used in the current country used.
 	 *
 	 * @return bool
 	 */
-	public function for_country_currency(): bool {
-		if ( ! in_array( $this->country, array_keys( $this->allowed_country_currency_matrix ), true ) ) {
-			return false;
-		}
-		return in_array( $this->currency, $this->allowed_country_currency_matrix[ $this->country ], true );
+	public function for_country(): bool {
+		return in_array( $this->country, $this->allowed_countries, true );
+	}
+
+	/**
+	 * Returns whether GooglePay can be used in the current currency used.
+	 *
+	 * @return bool
+	 */
+	public function for_currency(): bool {
+		return in_array( $this->currency, $this->allowed_currencies, true );
 	}
 
 }