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Android Pay to Rival Apple Pay in the UK Next Month
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moox
21-05-2016
Originally Posted by Cloudane:
“Seems unlike Apple Pay it doesn't work in all contactless locations. Didn't work in B&M so had to use my card (contactless, same card). Interestingly though I did notice their contactless solution was implemented by Barclays...”

I tried it in McDonalds a couple of days ago. It went through, but the self service till thing had a bit of a hissy fit first - it said something about cashless payments not being available. I am with Nationwide

I was with someone who used Android Pay also - but via Lloyds - and no such error came up.

Very odd.
lamby
21-05-2016
Originally Posted by Roush:
“Payment terminals that haven't been updated to allow cardholder-verified contactless transactions above £30 will still enforce the limit.”

Ah ok, thought they might need to update. The terminal didn't even have the Apple Pay logo.

I looked a fool putting my phone on the reader and nothing happens lol
bikerlad
21-05-2016
You can spend up to £250 with Android Pay in Pret if anyone wants to try it?
alanwarwic
21-05-2016
Headline might have been better as 'Contactless Payments arrive in UK on Android'.

When using, and you need to ask if Android Pay is accepted, simply ask each individual store if they accept Contactless. At least for sub £30 spends.

This also means a new problem has arrived, that being with info points that use NFC.
I will be slightly wary about using any new ones I find from now on.
bikerlad
21-05-2016
Originally Posted by alanwarwic:
“Headline might have been better as 'Contactless Payments arrive in UK on Android'.

When using, and you need to ask if Android Pay is accepted, simply ask each individual store if they accept Contactless. At least for sub £30 spends.”

Will no, it's Android Pay that launched. You can also buy from websites that use it to save entering your payment info.
jay sean
21-05-2016
What happens if I loose my phone with my card details, no one can see all the details, is that right?
bikerlad
21-05-2016
Originally Posted by jay sean:
“What happens if I loose my phone with my card details, no one can see all the details, is that right?”

From google:
If your phone is lost or stolen, you can find, lock, or erase it using Android Device Manager. Since Android Pay doesn't store your card details on your phone, anyone who finds or steals your phone won't be able to access that information, even if it's unlocked.
alanwarwic
21-05-2016
Well yes, I think it all dates back 4 years to Google Wallet.

Is Wallet for on-line abandoned in the US then?
Wallet originally did online and instore in the US whilst Pay was for instore.

Whatever, for instore I see it as Contactless, as will the store too.
jonmorris
21-05-2016
Originally Posted by bikerlad:
“You can spend up to £250 with Android Pay in Pret if anyone wants to try it? ”

Two sandwiches and a large latte in the city of London should do it.
Faust
21-05-2016
This is the info be circulated regarding Android Pay and the phone lock -

When you want to pay for a product, simply take your Android device and unlock it, then wave it over the NFC reader at the till. As with Apple Pay, there’s no app to launch--your Android device will know you’re making a payment. The screen will show you the total amount and the card you are using and then you’ll hear an Android Pay chime to confirm that the payment has processed. Within seconds the transaction is complete.

It’s important to note that if your phone supports fingerprint authentication, you’ll be able to use your fingerprint to confirm the purchase instead of having to unlock your phone. If your phone doesn’t have a fingerprint reader, you’ll need to manually unlock your phone before each payment. Google has built in this manual unlock requirement so your Android device doesn’t accidentally process a payment when it’s within range of an NFC terminal.
Gigabit
22-05-2016
The Android Pay app says the phone only needs to be woken up to use it for payments. A pin or fingerprint is required for some transactions.
Synthetic42
22-05-2016
I successfully used mine in tesco without it being unlocked, just awake
Faust
22-05-2016
Originally Posted by Gigabit:
“The Android Pay app says the phone only needs to be woken up to use it for payments. A pin or fingerprint is required for some transactions.”

If you look at Google's own literature it also clearly states it has to be unlocked? Certainly my phone does not work without it being unlocked and I'm glad it is that way as there is no possibility of a 'false sale'.

At the end of the day I'm not making this stuff up the literature is there for all to see on the Interweb. I also not that I could not install the app unless my phone had a screen lock code in operation. Perhaps Sony have got this right?
NathDogg
22-05-2016
Originally Posted by Faust:
“If you look at Google's own literature it also clearly states it has to be unlocked? Certainly my phone does not work without it being unlocked and I'm glad it is that way as there is no possibility of a 'false sale'.

At the end of the day I'm not making this stuff up the literature is there for all to see on the Interweb. I also not that I could not install the app unless my phone had a screen lock code in operation. Perhaps Sony have got this right?”

You are right in saying that the Google help pages state to make a purchase wake up and unlock your phone. This clearly isn't the case for many people including myself. All I had to do was wake the phone using the side button (the phone was still locked but the screen was now on) and the transaction was successful.

When I make my next purchase today, I am going to try it with the screen off to see if that works.

The android pay app states the following under "how it works"

"To pay, look for one of these symbols at checkout, Then wake up your phone and hold it to the terminal, You may need to unlock for some transaction"
Gigabit
22-05-2016
It's really strange because the Android Pay app specifically says the phone has to only be woken up (NOT unlocked) but then Google's help pages say the phone DOES have to be unlocked.

Looking around the Internet, it would appear that it's the former in actual fact, with unlocking occasionally required; as the app itself says when you set it up.

I can't help but feel that this often happens with Google. Their marketing/PR isn't consistent. Would Apple ever make this mistake?
alanwarwic
22-05-2016
The help page will be the US standard stuff I bet.

Maybe someone can list which UK banks, if any, insist on the phone being unlocked.
NathDogg
22-05-2016
Originally Posted by alanwarwic:
“The help page will be the US standard stuff I bet.

Maybe someone can list which UK banks, if any, insist on the phone being unlocked.”

Mine is a Galaxy S6 with Nationwide Debit card. Phone doesn't need to be unlocked.
jonmorris
22-05-2016
It could be just like a CPC will occasionally require a security check (using the chip and pin), often if you've exceeded an offline limit or used the card a certain number of times without a PIN.

TfL had to set up a special way to cope with the use of CPCs on buses as you obviously can't enter a PIN on a bus, and likewise you can't insert your phone in a reader just yet (not even Jony Ive has made phones that turn yet).

So perhaps every now and then you'll have to unlock with an approved unlock (hence why it says if you have a suitable unlock process enabled).
Faust
22-05-2016
I've just been to the garage for some fuel and tried to use it on phone wake-up - no joy but as soon as I unlocked it the transaction went through. The Sony is then consistent with the instructions.
moox
22-05-2016
Originally Posted by alanwarwic:
“Well yes, I think it all dates back 4 years to Google Wallet.

Is Wallet for on-line abandoned in the US then?
Wallet originally did online and instore in the US whilst Pay was for instore.

Whatever, for instore I see it as Contactless, as will the store too.”

Well no, because Wallet (even in the US) was like PayPal or one of those prepaid debit cards - it was a prepaid account. Android Pay links directly to your bank account and can be used for large purchases.
moox
22-05-2016
Originally Posted by Faust:
“I've just been to the garage for some fuel and tried to use it on phone wake-up - no joy but as soon as I unlocked it the transaction went through. The Sony is then consistent with the instructions.”

But which bank do you use?

It seems that Nationwide may let you do it without unlocking the phone - as at least two people in this thread report the same experience w/ Nationwide
Faust
22-05-2016
Originally Posted by moox:
“But which bank do you use?

It seems that Nationwide may let you do it without unlocking the phone - as at least two people in this thread report the same experience w/ Nationwide”

The horse one.
bikerlad
22-05-2016
My Lloyds Mastercard worked with just powering on the screen and not unlocking it.
alanwarwic
22-05-2016
Originally Posted by moox:
“Well no, because Wallet (even in the US) was like PayPal or one of those prepaid debit cards - it was a prepaid account. Android Pay links directly to your bank account and can be used for large purchases.”

http://www.theverge.com/2015/5/28/86...ace-wallet-app
No, Pay was a rebrand of the semi flop US Wallet, Wallet only getting its duplicate functionality removed last September.

Of course, the UK launch was a guaranteed success, the infrastructure nearly all there, and most banks signing up too!
Will the Aussies be the next to go live?
Faust
22-05-2016
Originally Posted by bikerlad:
“My Lloyds Mastercard worked with just powering on the screen and not unlocking it.”

I'm happy that mine is working as described and as I expected it to work. Can't be any slip-ups or false sales if the phone has to be unlocked. I noticed the video on the BBC showed Rory unlocking the phone for it to work.
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