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Android Pay to Rival Apple Pay in the UK Next Month


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Old 01-06-2016, 14:31
jonmorris
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Given I needed to add my Lloyds cards again to two phones, I suspect it may have been something relating to the bank/card issuer than the phone having done anything.

I can't be sure, but it seems rather odd otherwise. Neither had updated the Android Pay app or had any system update.

I can't figure out why one phone allows SMS authentication (dead easy) and the other requires a call (5 minutes at least, allowing for security checks and logging in to Visa or Mastercard portals).
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Old 01-06-2016, 16:24
d123
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Given I needed to add my Lloyds cards again to two phones, I suspect it may have been something relating to the bank/card issuer than the phone having done anything.

I can't be sure, but it seems rather odd otherwise. Neither had updated the Android Pay app or had any system update.

I can't figure out why one phone allows SMS authentication (dead easy) and the other requires a call (5 minutes at least, allowing for security checks and logging in to Visa or Mastercard portals).
If you want an even more bizarre situation my Halifax card loaded straight to ApplePay with the text authentication.

The SAME card needs needs to be authenticated via phone call for AndroidPay (which I've now had to do twice in three days).

I'm presuming it's the same authentication call procedure as yours as the call is answered "for Lloyds press 1, for Halifax press 2".
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Old 01-06-2016, 16:33
jonmorris
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Yes.

Very friendly and the process is painless, if inconvenient if this happens again in the future. Not least the fact you are asked things like a recent purchase (and not necessarily the latest one) so you really need to be logged in to your online banking on a desktop.
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Old 01-06-2016, 16:56
tealady
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Given I needed to add my Lloyds cards again to two phones, I suspect it may have been something relating to the bank/card issuer than the phone having done anything.
Extra layer of security if there is more than one phone which might indicate fraud ??

When I swapped phones, I had to go through security with Santander for them to accept the new phone (same SIM though).
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Old 01-06-2016, 17:01
mossy2103
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If you want an even more bizarre situation my Halifax card loaded straight to ApplePay with the text authentication.

The SAME card needs needs to be authenticated via phone call for AndroidPay (which I've now had to do twice in three days).

I'm presuming it's the same authentication call procedure as yours as the call is answered "for Lloyds press 1, for Halifax press 2".
That anomaly would be down to the issuing bank I would suspect. I doubt that Lloyds (and others) would be happy having to use their helpdesk staff to set up authentication when it could be done automatically. Either they have insisted upon an additional level of security for the authorisation process, or the respective part of their systems is not set up for auto-authorisation at this point.
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Old 01-06-2016, 17:11
Aaron_Gleeson
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If you want an even more bizarre situation my Halifax card loaded straight to ApplePay with the text authentication.

The SAME card needs needs to be authenticated via phone call for AndroidPay (which I've now had to do twice in three days).

I'm presuming it's the same authentication call procedure as yours as the call is answered "for Lloyds press 1, for Halifax press 2".
Just to add, I'm not entirely sure how android pay works from a back end perspective. However Apple Pay 'requests' contact details from your bank every 3 months. From what I have heard there is also no way for the bank to 'force' update apple with your contact info.

If Android Pay works in a similar way, it could be that Google haven't received your contact details from the bank ie phone number or email address for verification; therefore the only option you are seeing is to call the bank.

I may be wrong, however just an idea.
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Old 01-06-2016, 17:12
jonmorris
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Extra layer of security if there is more than one phone which might indicate fraud ??

When I swapped phones, I had to go through security with Santander for them to accept the new phone (same SIM though).
I added the cards to both phones with no problems. Each has its own virtual number so that shouldn't be a factor.

I don't know if there's a limit to the number of phones you can activate Android Pay on though.
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Old 01-06-2016, 17:13
jonmorris
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That anomaly would be down to the issuing bank I would suspect. I doubt that Lloyds (and others) would be happy having to use their helpdesk staff to set up authentication when it could be done automatically. Either they have insisted upon an additional level of security for the authorisation process, or the respective part of their systems is not set up for auto-authorisation at this point.
On my Nexus I can add my Visa debit via text. On a Huawei phone, I must call up. For my MasterCard, I must call up on both phones.

So it does vary with the same bank/issuer depending on phone, not the account itself.
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Old 01-06-2016, 17:14
tealady
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I added the cards to both phones with no problems. Each has its own virtual number so that shouldn't be a factor.

I don't know if there's a limit to the number of phones you can activate Android Pay on though.
I've added it to my N4 and N7 (the latter to see if it actually worked), so as you said before, likely an issuer related thing.
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Old 01-06-2016, 18:15
scooby1970
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I've had to send a bug report to Google as Android Pay stopped working on Friday. Once initiated it asks for a PIN, and gets stuck in a loop where it asks to place against vending machine and then asks for PIN again.

😞 Mark
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Old 04-06-2016, 10:44
tealady
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Bit geeky i know, but i have made a Spreadsheet to record the outcome of purchases.

Anyone can view, need a Google account to edit:

https://docs.google.com/spreadsheets...it?usp=sharing
I used it on the train - abellio greateranglia operator for < 30 in the buffet car.
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Old 09-06-2016, 13:01
paulbrock
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Barclays mobile payments now live. Easy to set up (but then they all are really aren't they!)
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Old 09-06-2016, 14:41
jonmorris
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Quick question; do you have to change the default card to pay with another card you added?

Yesterday I wanted to pay with a second card, and opened Android Pay and selected the other card. Then went to pay, and it just used my default card!

To fix, I now change the default to the card I want - which works (and then you don't need to open the app) but I would have thought it would allow you to select on-the-fly when you actually open the app.

Or did I do something wrong?
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Old 09-06-2016, 15:01
d123
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Quick question; do you have to change the default card to pay with another card you added?

Yesterday I wanted to pay with a second card, and opened Android Pay and selected the other card. Then went to pay, and it just used my default card!

To fix, I now change the default to the card I want - which works (and then you don't need to open the app) but I would have thought it would allow you to select on-the-fly when you actually open the app.

Or did I do something wrong?
You're thinking of ApplePay where you can just swipe between cards to use a different card.

You have to nominate the alternative as the default before you can use it with AndroidPay.

The first card that you add to Android Pay becomes your default payment card. This is the card that'll be charged when you pay with your phone. The first card that you added will remain your default card unless you change it.

Change your default payment card

You can change your default card in two ways:

On your phone

Open the Android Pay app.
If you have multiple Google Accounts in Android Pay: in the top-left corner, touch your name and then choose an account.
Double tap a card and then touch Set as default card.
Or touch and drag a card to the "Default card" spot at the top of the app's Home screen.

On the web

Sign in to payments.google.com.
On the left, click Payment methods.
To the right of a card, click Set as default.
https://support.google.com/androidpa...89372?hl=en-GB
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Old 18-06-2016, 15:31
alanwarwic
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Whilst Contactless takes off even in the US, this case seems to argue it was a Mastercard Visa money making cartel that prevented chip and pin in the US.
http://www.zdnet.com/article/home-de...-battle-looms/


It makes for an argument that but for Apple Pay, it might have been a similar story for Contactless in the US ?
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Old 08-09-2016, 19:53
Brian The Dog
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Barclays mobile payments now live. Easy to set up (but then they all are really aren't they!)
Just the fact that the app flatly refuses to work with a rooted phone.

So if like me you want your phone rooted and bank with Barclays, you are stuffed by the bank in both ways. They won't allow you to use their app and they won't you to use Android pay.
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Old 08-09-2016, 21:40
d123
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Just the fact that the app flatly refuses to work with a rooted phone.

So if like me you want your phone rooted and bank with Barclays, you are stuffed by the bank in both ways. They won't allow you to use their app and they won't you to use Android pay.
There's more than just Barclays that won't work on a rooted phone, you've effectively hacked the phone, it's fairly understandable why the banks have security concerns.
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Old 08-09-2016, 21:47
Gigabit
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There's more than just Barclays that won't work on a rooted phone, you've effectively hacked the phone, it's fairly understandable why the banks have security concerns.
Hahahahaha you have no idea how users work in Linux do you.
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Old 08-09-2016, 21:56
d123
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Hahahahaha you have no idea how users work in Linux do you.
Even though you've completely gone off on a tangent...

How many bank apps do you see for Linux?

The banks (and apps that require some form of drm) don't work on rooted or jailbroken phones, the reason is the security implications the app developers cite. Like it not, that's the way it is...
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Old 08-09-2016, 22:45
Faust
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d123 is correct - you wouldn't be able to use Apple Pay on a jailbroken Apple Phone as far as I know either.
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Old 09-09-2016, 10:24
Brian The Dog
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Security concerns? Hey you can now take £30 out of my account by getting my piece of plastic near a scanner!
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Old 09-09-2016, 10:31
jonmorris
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A scanner that must be set to receive payments, and for which will be fully traceable. With banks taking on the risk (in return for convenience which in turn increases your usage/spending) I don't see the problem.

Reminds me of that bulls**t story going around where people on the tube were carrying scanners and debiting people by holding the machine near their pockets. Even if true, you'd be protected.
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Old 10-09-2016, 01:02
benster
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Anyone heard anything about this PayPal want to use NFC so you can use the PayPal app like Android/Apple pay https://www.google.co.uk/url?sa=t&so...0vU4cKUFr_9MSg
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Old 10-09-2016, 06:00
gillyallan
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I'm not seeing any need yet for me to use android pay. I have contactless bank card....unless I'm missing something. This is more than likely.
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