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Android Pay to Rival Apple Pay in the UK Next Month |
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#251 |
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Forum Member
Join Date: Jul 2009
Location: Eton Wick
Posts: 108
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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. |
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#252 |
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Forum Member
Join Date: Oct 2003
Location: the wild world web
Posts: 28,132
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Yes, but they had to woo/get the banks involved first.
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#253 |
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Forum Member
Join Date: Oct 2004
Posts: 14,645
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Quote:
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? 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. |
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#254 |
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Forum Member
Join Date: Oct 2004
Posts: 14,645
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Quote:
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.
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.
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#255 |
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Forum Member
Join Date: Oct 2003
Location: the wild world web
Posts: 28,132
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Quote:
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. ..
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 |
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#256 |
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Forum Member
Join Date: May 2010
Posts: 11,501
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Quote:
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 Google don't need the fee, they prefer your data. |
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#257 |
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Forum Member
Join Date: Aug 2014
Location: United Kingdom
Posts: 2,887
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Has anyone tried making a payment over £30 yet? How did it go?
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#258 |
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Forum Member
Join Date: Jul 2000
Location: UK
Posts: 8,103
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Quote:
What can I say, my phone insists on being unlocked.
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#259 |
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Join Date: Oct 2003
Location: the wild world web
Posts: 28,132
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Quote:
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. 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. |
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#260 |
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Forum Member
Join Date: Jul 2009
Location: Eton Wick
Posts: 108
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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. |
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#261 |
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Forum Member
Join Date: Apr 2005
Location: colchester
Posts: 15,352
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Quote:
So far this is the only issue I've had with android pay.
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. |
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#262 |
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Forum Member
Join Date: Oct 2012
Location: Newcastle
Posts: 1,510
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Quote:
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. |
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#263 |
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Forum Member
Join Date: Oct 2014
Location: Chepstow, South Wales
Posts: 89
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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.
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#264 |
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Forum Member
Join Date: Jul 2009
Location: Eton Wick
Posts: 108
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Quote:
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. |
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#265 |
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Forum Member
Join Date: Jul 2002
Location: a land filled with trolls
Posts: 12,018
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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.
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#266 |
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Forum Member
Join Date: Jul 2009
Location: Eton Wick
Posts: 108
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Quote:
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.
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. |
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#267 |
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Forum Member
Join Date: Jul 2002
Location: a land filled with trolls
Posts: 12,018
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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?
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#268 |
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Forum Member
Join Date: Jul 2009
Location: Eton Wick
Posts: 108
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Quote:
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?
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. |
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#269 |
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Forum Member
Join Date: Oct 2003
Location: the wild world web
Posts: 28,132
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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. |
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#270 |
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Forum Member
Join Date: Jun 2002
Location: Between the gutter and stars
Posts: 6,825
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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. 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.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. 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? |
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#271 |
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Forum Member
Join Date: Jul 2009
Location: Eton Wick
Posts: 108
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Quote:
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? 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. |
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#272 |
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Forum Member
Join Date: Oct 2003
Location: the wild world web
Posts: 28,132
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Quote:
......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.
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. |
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#273 |
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Forum Member
Join Date: Jul 2002
Location: a land filled with trolls
Posts: 12,018
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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. |
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#274 |
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Forum Member
Join Date: May 2010
Posts: 11,501
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Quote:
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 suspect until major store system upgrades, you will need to scan the loyalty card and then make payment, just like you do now. |
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#275 |
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Forum Member
Join Date: Jan 2006
Posts: 802
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Quote:
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. https://www.youtube.com/watch?v=nioHTfqtPfU |
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What can I say, my phone insists on being unlocked.
