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Android Pay to Rival Apple Pay in the UK Next Month |
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#1 |
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Inactive Member
Join Date: Feb 2016
Posts: 5
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Android Pay to Rival Apple Pay in the UK Next Month
So Android Pay is finally coming to the UK. Those of us with Android smartphones will be pleased to see this news.
It will be interesting to see if it rivals Apple Pay. Find out more below. http://blog.b60apps.co.uk/android-pa...-uk-next-month |
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#2 |
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Forum Member
Join Date: Oct 2010
Location: Northampton
Posts: 1,014
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Quote:
So Android Pay is finally coming to the UK. Those of us with Android smartphones will be pleased to see this news.
It will be interesting to see if it rivals Apple Pay. Find out more below. http://blog.b60apps.co.uk/android-pa...-uk-next-month |
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#3 |
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Forum Member
Join Date: Oct 2004
Posts: 14,636
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Hopefully it will be quickly adopted. Apple Pay must have laid much of the groundwork for the banks already?
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#4 |
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Inactive Member
Join Date: Feb 2016
Posts: 5
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Good point.
Will be interesting to see whether Barclays adopts the same approach as they did with Apple Pay. Although they're expected to launch Apple Pay between 12th and 27th March...finally! |
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#5 |
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Inactive Member
Join Date: Nov 2008
Location: London, UK
Posts: 11,516
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At last. Lets hope retailers and banks are supporting this ASAP
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#6 |
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Forum Member
Join Date: Oct 2010
Location: Northampton
Posts: 1,014
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Quote:
Good point.
Will be interesting to see whether Barclays adopts the same approach as they did with Apple Pay. Although they're expected to launch Apple Pay between 12th and 27th March...finally! Not sure if there is any restriction on what devices can use android pay or if it's a free for all. |
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#7 |
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Inactive Member
Join Date: Nov 2008
Location: London, UK
Posts: 11,516
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Quote:
Do you think samsung users can install the android pay app and use it instead of samsung pay (when that comes out in the UK)?
Not sure if there is any restriction on what devices can use android pay or if it's a free for all. |
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#8 |
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Forum Member
Join Date: Jul 2007
Posts: 3,985
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Quote:
Will be available for all android phones
Quote:
Android Pay works in a similar fashion to its Apple rival, allowing users to load their Visa and Mastercard credit and debit card details onto a smartphone device ready and equipped with a Near-Field Communication (NFC) microchip.
From there, users simply swipe their smartphone over a contactless payment terminal at a retailer, with identity verified by the device’s fingerprint reader. |
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#9 |
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Forum Member
Join Date: Oct 2004
Posts: 14,636
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Quote:
All android devices?
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#10 |
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Forum Member
Join Date: Jul 2007
Posts: 3,985
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Quote:
Fingerprint readers aren't a requirement in the US for Android Pay, so I am not convinced they will be here
Looking a bit deeper I see on wiki it mentions using a passcode if the handset doesn't have a print reader, that seems to be counterintuitive, it would mean loading your (possibly contactless) card to then use your phone as a payment method that required a passcode to authorise the transaction. I suppose until it's actually in use here we won't know the exact specifics. |
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#11 |
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Forum Member
Join Date: Apr 2003
Posts: 4,185
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Quote:
it mentions using a passcode if the handset doesn't have a print reader, that seems to be counterintuitive, it would mean loading your (possibly contactless) card to then use your phone as a payment method that required a passcode to authorise the transaction.
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#12 |
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Forum Member
Join Date: Jul 2007
Posts: 3,985
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Quote:
It does seem counter-intuitive on the outset, but I guess it's the speed at which the contactless payment is registered versus chip-and-PIN that will outweigh having to enter a passcode. I could certainly unlock my phone and touch it against a terminal a lot quicker than inserting my card, waiting for a connection, tapping in a PIN, waiting further for a connection or handing the terminal back to the cashier, etc.
At least with a fingerprint reader it's almost instantaneous, at least with the iPhone 6s it is. I would hate to try and use my Galaxy s5 with the fingerprint reader, it usually takes 4 or 5 attempts and then sometimes still doesn't register. |
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#13 |
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Forum Member
Join Date: Apr 2003
Posts: 4,185
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Quote:
I was comparing it to using a contactless card.
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#14 |
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Forum Member
Join Date: Dec 2002
Location: East Midlands
Posts: 3,840
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Has pay with your phone realy been that successful in the UK? I know there was/is a google wallet that predated apple pay, however the only reason apple pay has attracted attention is down to apples marketing power..
I also know that card payments in the USA have been very different to the UK, with swipe the mag strip and sign ( remember that ?) still being the most popular way to pay. contactless is just an evolution of chip and pin, and if your paying for something then why go to the faff of setting up a phone with an app or whatever when you can just get your card out and pay using that? I can understand the benefit of coming from swipe and sign to pay with a phone, however chip and pin/con tactless cards are just as easy, if not more so than any phone system. |
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#15 |
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Forum Member
Join Date: Jan 2006
Posts: 802
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Quote:
Has pay with your phone realy been that successful in the UK? I know there was/is a google wallet that predated apple pay, however the only reason apple pay has attracted attention is down to apples marketing power..
I also know that card payments in the USA have been very different to the UK, with swipe the mag strip and sign ( remember that ?) still being the most popular way to pay. contactless is just an evolution of chip and pin, and if your paying for something then why go to the faff of setting up a phone with an app or whatever when you can just get your card out and pay using that? I can understand the benefit of coming from swipe and sign to pay with a phone, however chip and pin/con tactless cards are just as easy, if not more so than any phone system. You don't have to open an app, you just unlock your phone and hold it against the terminal. |
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#16 |
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Forum Member
Join Date: Sep 2007
Posts: 620
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This is important to me, one of the main reasons I've been sticking to my iPhone 6S Plus. Great to see Android Pay finally making it's way to the UK.
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#17 |
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Forum Member
Join Date: Dec 2002
Location: East Midlands
Posts: 3,840
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Quote:
You don't have to open an app, you just unlock your phone and hold it against the terminal.
Ok, so get phone out of pocket, unlock it and hold against terminal ( after setting it all up before hand) vs get card out of pocket, hold against terminal, done.Other than the sheer novelty factor I really cant see the advantages of paying using a phone |
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#18 |
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Forum Member
Join Date: Nov 2008
Posts: 720
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Quote:
Ok, so get phone out of pocket, unlock it and hold against terminal ( after setting it all up before hand) vs get card out of pocket, hold against terminal, done.
Other than the sheer novelty factor I really cant see the advantages of paying using a phone You also have the fact that it is arguably more secure. I am not sure of the specifics but the way both Android Pay and Apple Pay work is that your card details themselves are never transmitted to the device, they use tokenisation instead. And at least in the case of devices with fingerprint scanners, actually have some level of security (opposed to contactless cards essentially having none). Which leads to the fact that when using a secure device (like an Apple / Android pay device with some kind of security protection) it is possible for retailers to accept contactless payments of over the £30 limit (although I am not sure who has implemented this yet). I actually agree though that in general it will be a novelty rather than actually useful for most people. But there are reasons why the idea at least is better than just using a contactless card. |
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#19 |
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Forum Member
Join Date: Jul 2000
Location: UK
Posts: 8,097
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Quote:
It does seem counter-intuitive on the outset, but I guess it's the speed at which the contactless payment is registered versus chip-and-PIN that will outweigh having to enter a passcode. I could certainly unlock my phone and touch it against a terminal a lot quicker than inserting my card, waiting for a connection, tapping in a PIN, waiting further for a connection or handing the terminal back to the cashier, etc.
Contactless cards haven't really taken off in the U.S. yet hence the popularity of payment by phone. However, CC are proving hugely popular in the UK. |
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#20 |
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Forum Member
Join Date: Mar 2000
Location: This forum
Posts: 3,388
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Quote:
Ok, so get phone out of pocket, unlock it and hold against terminal ( after setting it all up before hand) vs get card out of pocket, hold against terminal, done. Other than the sheer novelty factor I really cant see the advantages of paying using a phone
Its the same speed as contactless but thanks to the authentication (fingerprint) it can do over £30 - I used ApplePay to buy some shoes in M&S that were £60. The banks allow this because the actual card number is not being sent, and authentication is used. Contactless is using the actual card number and no authentication. I worry £30 is too high for contactless, originally invented to replace cash when buying a newspaper / mars bar on a commute. |
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#21 |
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Forum Member
Join Date: Jan 2006
Posts: 802
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Quote:
On the iPhone you don't need to unlock it. Just hold against terminal and fingerprint to confirm.
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#22 |
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Forum Member
Join Date: Sep 2007
Posts: 620
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I do like how on the iPhone, if you hold the phone near a terminal it will open Apple Pay automatically and all you need to do is touch your finger on the button and it's done. You can be on a phone call or be listening to music with your headphones in, it doesn't matter, simply tap the phone on the reader with your finger on the fingerprint sensor and you have paid.
I haven't really seen the Android Pay process. |
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#23 |
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Forum Member
Join Date: Dec 2004
Location: London
Posts: 10,446
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Quote:
Has pay with your phone realy been that successful in the UK? I know there was/is a google wallet that predated apple pay, however the only reason apple pay has attracted attention is down to apples marketing power..
I also know that card payments in the USA have been very different to the UK, with swipe the mag strip and sign ( remember that ?) still being the most popular way to pay. contactless is just an evolution of chip and pin, and if your paying for something then why go to the faff of setting up a phone with an app or whatever when you can just get your card out and pay using that? I can understand the benefit of coming from swipe and sign to pay with a phone, however chip and pin/con tactless cards are just as easy, if not more so than any phone system. But EE seem to have removed it from their website though the app is still in the Google app store. It works just like a contactless card. The phone doesn't have to be on. Just tap it on a reader and it wakes up and shows the amount being charged on screen. |
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#24 |
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Forum Member
Join Date: Dec 2004
Location: London
Posts: 10,446
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Quote:
I do like how on the iPhone, if you hold the phone near a terminal it will open Apple Pay automatically and all you need to do is touch your finger on the button and it's done. You can be on a phone call or be listening to music with your headphones in, it doesn't matter, simply tap the phone on the reader with your finger on the fingerprint sensor and you have paid.
I haven't really seen the Android Pay process. |
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#25 |
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Forum Member
Join Date: Nov 2009
Posts: 3,918
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My current phone does not have NFC (but has a FP reader) and it is likely that my next phone will not have it either (but will have a FP reader). Maybe, come the back end, when I change again I might make it a priority. But lets face it an awful lot of places do not accept contactless payment so you need you normal debit/credit cards with you. My debit card is a CC and I use it when ever possible but it isn't that often. Until enough places have updated their terminals to make you confident that you don't need to carry your other cards then it is actually a bit pointless (other than if you have forgot your cards). Also can you get cash back with a linked debit card on Apple Pay? I can't see why not but is it switched on? That would help.
I'm sure I will end up using Android Pay, and this year as well, but it won't be a priority. |
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