Android Pay to Rival Apple Pay in the UK Next Month

jonmorris · 01-06-2016, 14:31

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).

d123 · 01-06-2016, 16:24

Quote:

Originally Posted by jonmorris

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".

jonmorris · 01-06-2016, 16:33

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.

tealady · 01-06-2016, 16:56

Quote:

Originally Posted by jonmorris

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).

mossy2103 · 01-06-2016, 17:01

Quote:

Originally Posted by d123

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.

Aaron_Gleeson · 01-06-2016, 17:11

Quote:

Originally Posted by d123

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.

jonmorris · 01-06-2016, 17:12

Quote:

Originally Posted by tealady

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.

jonmorris · 01-06-2016, 17:13

Quote:

Originally Posted by mossy2103

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.

tealady · 01-06-2016, 17:14

Quote:

Originally Posted by jonmorris

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.

scooby1970 · 01-06-2016, 18:15

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

tealady · 04-06-2016, 10:44

Quote:

Originally Posted by lamby

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.

paulbrock · 09-06-2016, 13:01

Barclays mobile payments now live. Easy to set up (but then they all are really aren't they!)

jonmorris · 09-06-2016, 14:41

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?

d123 · 09-06-2016, 15:01

Quote:

Originally Posted by jonmorris

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.

Quote:

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

alanwarwic · 18-06-2016, 15:31

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 ?

bikerlad · 07-09-2016, 17:09

Santander and TSB customers and more will soon be able to add their cards to Android Pay. This rollout will start over the coming weeks – you can follow @Android on Twitter to find out exactly when

Brian The Dog · 08-09-2016, 19:53

Quote:

Originally Posted by paulbrock

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.

d123 · 08-09-2016, 21:40

Quote:

Originally Posted by Brian The Dog

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.

Gigabit · 08-09-2016, 21:47

Quote:

Originally Posted by d123

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.

d123 · 08-09-2016, 21:56

Quote:

Originally Posted by Gigabit

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...

Faust · 08-09-2016, 22:45

d123 is correct - you wouldn't be able to use Apple Pay on a jailbroken Apple Phone as far as I know either.

Brian The Dog · 09-09-2016, 10:24

Security concerns? Hey you can now take £30 out of my account by getting my piece of plastic near a scanner!

jonmorris · 09-09-2016, 10:31

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.

benster · 10-09-2016, 01:02

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

gillyallan · 10-09-2016, 06:00

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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01-06-2016, 14:31	#326
jonmorris Forum Member Join Date: Jul 2002 Location: a land filled with trolls Posts: 12,018	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).

01-06-2016, 16:24	#327
d123 Forum Member Join Date: Jul 2007 Posts: 3,993	Quote: Originally Posted by jonmorris 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".

01-06-2016, 16:33	#328
jonmorris Forum Member Join Date: Jul 2002 Location: a land filled with trolls Posts: 12,018	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.

01-06-2016, 16:56	#329
tealady Forum Member Join Date: Apr 2005 Location: colchester Posts: 15,352	Quote: Originally Posted by jonmorris 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).

01-06-2016, 17:01	#330
mossy2103 Forum Member Join Date: Aug 2005 Posts: 68,710	Quote: Originally Posted by d123 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.

01-06-2016, 17:11	#331
Aaron_Gleeson Forum Member Join Date: May 2015 Posts: 19	Quote: Originally Posted by d123 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.

01-06-2016, 17:12	#332
jonmorris Forum Member Join Date: Jul 2002 Location: a land filled with trolls Posts: 12,018	Quote: Originally Posted by tealady 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.

01-06-2016, 17:13	#333
jonmorris Forum Member Join Date: Jul 2002 Location: a land filled with trolls Posts: 12,018	Quote: Originally Posted by mossy2103 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.

01-06-2016, 17:14	#334
tealady Forum Member Join Date: Apr 2005 Location: colchester Posts: 15,352	Quote: Originally Posted by jonmorris 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.

01-06-2016, 18:15	#335
scooby1970 Forum Member Join Date: Jun 2003 Location: Neath Posts: 2,468	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

04-06-2016, 10:44	#336
tealady Forum Member Join Date: Apr 2005 Location: colchester Posts: 15,352	Quote: Originally Posted by lamby 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.

09-06-2016, 13:01	#337
paulbrock Forum Member Join Date: Apr 2002 Location: Wapping, London Posts: 16,222	Barclays mobile payments now live. Easy to set up (but then they all are really aren't they!)

09-06-2016, 14:41	#338
jonmorris Forum Member Join Date: Jul 2002 Location: a land filled with trolls Posts: 12,018	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?

09-06-2016, 15:01	#339
d123 Forum Member Join Date: Jul 2007 Posts: 3,993	Quote: Originally Posted by jonmorris 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. Quote: 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

18-06-2016, 15:31	#340
alanwarwic Forum Member Join Date: Oct 2003 Location: the wild world web Posts: 28,132	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 ?

07-09-2016, 17:09	#341
bikerlad Forum Member Join Date: Jun 2006 Location: London Posts: 391	Santander and TSB customers and more will soon be able to add their cards to Android Pay. This rollout will start over the coming weeks – you can follow @Android on Twitter to find out exactly when

08-09-2016, 19:53	#342
Brian The Dog Forum Member Join Date: Nov 2015 Posts: 2,090	Quote: Originally Posted by paulbrock 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.

08-09-2016, 21:40	#343
d123 Forum Member Join Date: Jul 2007 Posts: 3,993	Quote: Originally Posted by Brian The Dog 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.

08-09-2016, 21:47	#344
Gigabit Forum Member Join Date: Aug 2014 Location: United Kingdom Posts: 2,887	Quote: Originally Posted by d123 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.

08-09-2016, 21:56	#345
d123 Forum Member Join Date: Jul 2007 Posts: 3,993	Quote: Originally Posted by Gigabit 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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Android Pay to Rival Apple Pay in the UK Next Month

08-09-2016, 22:45	#346
Faust Forum Member Join Date: Jul 2000 Location: UK Posts: 8,103	d123 is correct - you wouldn't be able to use Apple Pay on a jailbroken Apple Phone as far as I know either.

09-09-2016, 10:24	#347
Brian The Dog Forum Member Join Date: Nov 2015 Posts: 2,090	Security concerns? Hey you can now take £30 out of my account by getting my piece of plastic near a scanner!

09-09-2016, 10:31	#348
jonmorris Forum Member Join Date: Jul 2002 Location: a land filled with trolls Posts: 12,018	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.

10-09-2016, 01:02	#349
benster Forum Member Join Date: Oct 2003 Location: Blackburn Posts: 396	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

10-09-2016, 06:00	#350
gillyallan Forum Member Join Date: Jun 2006 Posts: 29,115	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.