[NathDogg]

I think it would be better if it gave us the choice to use a verification method, like a toggle in settings to enable or disable.

I personally would enable it, as it's an extra layer of protection if you happen to lose your phone.

[alanwarwic]

Yes, but they had to woo/get the banks involved first.

[moox]

Quote:

Originally Posted by alanwarwic

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?

It wasn't. https://www.theguardian.com/technolo...-apple-pay-nfc

Quote:

Google Wallet, by contrast, does not use the same bank-issued token mechanism. Instead, users’ cards are “enrolled” into Google’s system, which then becomes a front end for any transactions - so that when a user buys something, Google makes the actual payment and in effect charges it back to the user’s card. Google thus “sees” every transaction by every user.

That's much closer to Paypal, like I said. You buy something using Google Wallet, they charge your bank account (or use a Google wallet balance) for that amount.

There was also a prepaid version: http://www.greenbot.com/article/2105...ebit-card.html

Obviously Android Pay is totally different in operation because it passes the transactions directly onto your bank. Google themselves do not need to hold any of your money, or be exposed to financial risk.

[moox]

Quote:

Originally Posted by Faust

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.

Your bank seems to disagree with you.

https://www.lloydsbank.com/help-guid...ndroid-pay.asp

Quote:

For in store payments under £30, simply wake your device and hold it near the contactless reader (no need to open the app). You’ll need to unlock your phone for payments over £30. Your device will beep or vibrate, and you'll receive a confirmation on screen to show your payment was made.

[alanwarwic]

Quote:

Originally Posted by moox

It wasn't. https://www.theguardian.com/technolo...-apple-pay-nfcThat's much closer to Paypal, like I said. You buy something using Google Wallet, they charge your bank account (or use a Google wallet balance) for that amount. ..

Many never bothered with a Wallet balance, but it does look like Google switched to Visa as an intermediary in May.

Their strategy for POS is zero fees on both debit and credit cards, maybe to expand the online stuff?
Contrast that to Apple who, it says make 0.5 and 0.15% respectively.
http://www.techtimes.com/articles/58...-apple-pay.htm

[kidspud]

Quote:

Originally Posted by alanwarwic

Many never bothered with a Wallet balance, but it does look like Google switched to Visa as an intermediary in May.

Their strategy for POS is zero fees on both debit and credit cards, maybe to expand the online stuff?
Contrast that to Apple who, it says make 0.5 and 0.15% respectively.
http://www.techtimes.com/articles/58...-apple-pay.htm

The article is over a year old. Since then android have taken an age to launch and apple have established themselves.

Google don't need the fee, they prefer your data.

[Gigabit]

Has anyone tried making a payment over £30 yet? How did it go?

[Faust]

Quote:

Originally Posted by moox

Your bank seems to disagree with you.

https://www.lloydsbank.com/help-guid...ndroid-pay.asp

Yes but last time I checked I'm not using a Lloyds smartphone but one made by Sony. What can I say, my phone insists on being unlocked.

[alanwarwic]

Quote:

Originally Posted by moox

It wasn't. https://www.theguardian.com/technolo...-apple-pay-nfc



That's much closer to Paypal, like I said. You buy something using Google Wallet, they charge your bank account (or use a Google wallet balance) for that amount.

There was also a prepaid version: http://www.greenbot.com/article/2105...ebit-card.html

Obviously Android Pay is totally different in operation because it passes the transactions directly onto your bank. Google themselves do not need to hold any of your money, or be exposed to financial risk.

Neither did Wallet when it moved to HCE.
http://www.totalpayments.org/2014/04...let-saved-hce/

Only 4.4 + does HCE

I think Apple Pay is HCE stored in the secure element. Seems it wasMastercard and Visa who brought it about.

[NathDogg]

I've had android pay fail in two separate WH smiths stores self service checkouts. Each time I had to press cancel on the terminals keypad and reselect contactless before it would accept my normal contactless card.

Apple pay used to work fine in both locations when I had my iPhone. So far this is the only issue I've had with android pay.

[tealady]

Quote:

Originally Posted by NathDogg

So far this is the only issue I've had with android pay.

Mine failed the first time which I put down to user error. Then the next day I had an email from the bank saying they acknowledged my registration.
I used it in Tesco later on and it was fine, but I'm no the wiser as to whether there was a delay with being able to use it caused by the bank approving me.

[Synthetic42]

Quote:

Originally Posted by tealady

Mine failed the first time which I put down to user error. Then the next day I had an email from the bank saying they acknowledged my registration.
I used it in Tesco later on and it was fine, but I'm no the wiser as to whether there was a delay with being able to use it caused by the bank approving me.

I registered and used it at tesco the same day, 2 days later I got an email from the bank thanking me for registering...

[Jimez]

Tried mine on Friday once i set it up, failed twice. Didn't get an email from my bank until Saturday saying it was set-up. Tried again today, it worked 2nd time trying in the shop.

[NathDogg]

Quote:

Originally Posted by tealady

Mine failed the first time which I put down to user error. Then the next day I had an email from the bank saying they acknowledged my registration.
I used it in Tesco later on and it was fine, but I'm no the wiser as to whether there was a delay with being able to use it caused by the bank approving me.

I've used it in multiple locations prior to and since then including vending machines, all with success. For some reason it just doesn't seem to like the WH Smith contactless terminals. I'm guessing it must be a software issue on the terminals. I just thought it was strange as I know apple pay works in these locations.

[jonmorris]

It should work on any machine taking CPCs. If the terminal only activates contactless by you selecting it (to stop accidental usage) then you'll need to do it. I can't see how Apple Pay could work if the terminal wasn't set to look for a CPC or phone.

[NathDogg]

Quote:

Originally Posted by jonmorris

It should work on any machine taking CPCs. If the terminal only activates contactless by you selecting it (to stop accidental usage) then you'll need to do it. I can't see how Apple Pay could work if the terminal wasn't set to look for a CPC or phone.

The terminal was activated by selecting contactless, but when I held my phone to the terminal the android pay app appeared but nothing happened. The terminal then displayed a message along the lines of card error. The only way I could then get it to recognise my normal card was to press the cancel button and reselect contactless. This has now happened on both occasions that I've tried to use it in WH Smiths, two different stores.

Regards to the apple pay, I used to use it in these very locations multiple times a week without any problems. I can only guess that it must be a software issue on the terminals. Like I said, it's worked as intended everywhere else. This includes McDonald's, my work canteen and Coca-Cola vending machines.

[jonmorris]

I guess it must be, but it seems odd. Surely the terminal is just looking for any contactless card and doesn't know or care if it's a card, iPhone or Android phone?

[NathDogg]

Quote:

Originally Posted by jonmorris

I guess it must be, but it seems odd. Surely the terminal is just looking for any contactless card and doesn't know or care if it's a card, iPhone or Android phone?

Exactly, which is why I find it strange. The android pay app comes up on the screen but it just sits there with the little android guy in the circle. (so it is detecting something) The terminal then freezes until I press the red cancel button and re start the process.

I remember reading on another forum that the users phone kept crashing the contactless terminals in various locations. So it seems the process or exchange of information is slightly different to a normal contactless card.

[alanwarwic]

I was was trying to work out the difference between G and Apple Pay for loyalty cards.

Assuming Google gobbles up transaction data etc, and are happy to share transaction data, will that mean loyalty cards, once in, are automatic?

With Apple having emphasis on 'privacy' I think you have to do one scan for payment and a second scan/tap for the loyalty card.
Not that it matters yet, the biggest loyalty card scheme, Tesco, is extremely slow rolling out NFC so integrating their loyalty card might not happen any time soon.

[dslrocks]

Quote:

Yes, Sainsburys really do need to get their technology sorted out, no contactless payments at my store (and they only replaced the self-serves late last year). Tesco accept contactless, but oddly enough my latest Tesco credit card (issued only last year) is not a contactless one.

Needless to say, neither Sainsburys Bank nor Tesco Bank has signed up to Android Pay yet, so the two cards that I would really value on Android Pay can't be used.

The 'rumour' is that Sainsbury's will be accepting contactless 'sometime' in 2016. I wouldn't hold my breath though. They have replaced all of the pin pads with ones that can potentially accept contactless but don't seem to have switched on the functionality.

I don't know if Tesco still have a JV with RBS/Natwest for their financial products, but it might explain the lack of support for Android Pay as Natwest and RBS don't support Android Pay currently.

Quote:

Your card issued will set a number of parameters on your card(s) relating to offline usage. I assume the virtual card on your phone works the same when set up.

It seems to always call for authorisation on both my credit and debit card, the latter I know works offline for contactless as it authorises straight away and goes to 'approved' and prints the receipt and doesn't deduct from my available balance. There's no contactless on my credit card, it's a HSBC/FD thing.

Whereas if I use the same card through Android Pay there's always a delay/lag of some seconds where it sticks on 'authorising / please wait' where it phones home. It's quite apparent on the standalone card machines that use dialup or gprs.

Has anyone else noticed this with Android Pay? Is this a thing banks have mandated to buy into the scheme?

[NathDogg]

Quote:

Originally Posted by dslrocks

Whereas if I use the same card through Android Pay there's always a delay/lag of some seconds where it sticks on 'authorising / please wait' where it phones home. It's quite apparent on the standalone card machines that use dialup or gprs.

Has anyone else noticed this with Android Pay? Is this a thing banks have mandated to buy into the scheme?

Yes I have also noticed this. The terminal sometimes says authorising for around 5 seconds, whereas it's instant with my contactless card.

I've noticed this most on the vending machine at work. With Apple pay and android pay, I'm waiting there for what seems like forever for the drink to be dispensed. With my card the drink is dispensed as soon as the reader acknowledges the card.

[alanwarwic]

Quote:

Originally Posted by NathDogg

......With Apple pay and android pay, I'm waiting there for what seems like forever for the drink to be dispensed. With my card the drink is dispensed as soon as the reader acknowledges the card.

Oh, no. In the Apple Pay conversation, in the forever going in circles discussion, iPhone users declared it all 'just as fast', if not faster.

I used mine for the first time today, initially putting the extra slowness down to me not knowing where the NFC chip is on my LG G2.

[jonmorris]

I remember Apple Pay users bragging about using their phone at gatelines on the tube, some claiming it to be faster than Oyster. That's completely impossible as Oyster is faster than both Apple/Android Pay and a contactless card.

Oyster is going to change to the same way of working out travel as using a CPC, which will slow it down too - but make it a lot more dynamic than now.

Sometimes fanboyism does ignore reality.. and I'm sure Android users will now start to make bold claims about it being quicker than an iPhone etc. Reality is it's all pretty much the same.

[kidspud]

Quote:

Originally Posted by alanwarwic

I was was trying to work out the difference between G and Apple Pay for loyalty cards.

Assuming Google gobbles up transaction data etc, and are happy to share transaction data, will that mean loyalty cards, once in, are automatic?

With Apple having emphasis on 'privacy' I think you have to do one scan for payment and a second scan/tap for the loyalty card.
Not that it matters yet, the biggest loyalty card scheme, Tesco, is extremely slow rolling out NFC so integrating their loyalty card might not happen any time soon.

I very much doubt that. How would any 'points' get onto a loyalty card?

I suspect until major store system upgrades, you will need to scan the loyalty card and then make payment, just like you do now.

[tony le mesmer]

Quote:

Originally Posted by kidspud

I very much doubt that. How would any 'points' get onto a loyalty card?

I suspect until major store system upgrades, you will need to scan the loyalty card and then make payment, just like you do now.

This is how Coca-Cola does it in the US, but as you say, it looks like it would take a fair bit of effort from the retailer.

https://www.youtube.com/watch?v=nioHTfqtPfU