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Android Pay to Rival Apple Pay in the UK Next Month |
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#351 |
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Forum Member
Join Date: Dec 2007
Location: Herefordshire
Posts: 22,810
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Quote:
This seems like a lot of hassle, think I will continue to use my contactless debit/credit cards.
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#352 |
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Forum Member
Join Date: Dec 2007
Location: Herefordshire
Posts: 22,810
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Quote:
Now that contactless has instantly expanded, how long will it be before we get 'chip and no pin' for purchases up to £30?
That would also allow smaller banks to ignore contactless. |
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#353 |
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Forum Member
Join Date: May 2010
Posts: 11,501
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Quote:
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.
Because contactless has no physical security the limit will always be there (the banks underwrite it), but on devices with fingerprint you can spend any amount. The phone also keeps track of your payments. |
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#354 |
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Forum Member
Join Date: Jun 2006
Posts: 29,115
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Ah OK. Don't think my device has fingerprint. Well....it's meant to as an unlock method but didn't work 99 out 100 times so don't use it.
Only one it might benefit is my wife as she never takes her bank card out, however looking at list of shops on the website, we don't really use them. |
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#355 |
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Forum Member
Join Date: May 2011
Posts: 475
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It's probably not going to affect the lives of those that are in a panic about the mere concept. They can continue as before (ignoring it).
For many it will become a more secure mechanism than chip and pin as well as more convenient. Right now it offers greater security for large payments (finger print) and is fully protected by guarantee against small payments (like contactless). It seems that the younger generation are far more trusting of technology than the older, so it's likely that they will use it. |
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#356 |
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Forum Member
Join Date: Oct 2004
Location: Buckingham
Posts: 28,590
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One other protection I would want from a contactless payment system is a text notification to my mobile for every transaction made.
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#357 |
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Forum Member
Join Date: Jul 2002
Location: a land filled with trolls
Posts: 12,018
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Quote:
One other protection I would want from a contactless payment system is a text notification to my mobile for every transaction made.
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#358 |
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Forum Member
Join Date: Oct 2004
Location: Buckingham
Posts: 28,590
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As a TOAST or do you have to keep checking the app?
And does the app show the (GPS) location as well as the date, time and value of each transaction? And can you configure the system to only allow a contactless payment when the mobile screen is unlocked (to guard against pocket surfing)? |
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#359 |
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Forum Member
Join Date: May 2010
Posts: 11,501
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Quote:
One other protection I would want from a contactless payment system is a text notification to my mobile for every transaction made.
Do you get text messages for every other transaction on your account? |
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#360 |
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Forum Member
Join Date: Oct 2004
Location: Buckingham
Posts: 28,590
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I mean contactless to guard against unknowingly having one made. I do get transaction confirmations by text from my bank account for high value debits and credits such as credit card balance payments and wages.
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#361 |
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Forum Member
Join Date: May 2010
Posts: 11,501
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Quote:
I mean contactless to guard against unknowingly having one made. I do get transaction confirmations by text from my bank account for high value debits and credits such as credit card balance payments and wages.
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#362 |
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Forum Member
Join Date: Jan 2008
Posts: 88
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Quote:
In that case, you should use your phone for contactless. You get a notification for every payment made.
Remember it doesn't use your real bank card number in transactions so it's more secure than carrying a contactless card in your pocket. If you keep receipts to reconcile this can be confusing as they don't show the card number of the card linked to Android pay 😀 |
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#363 |
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Forum Member
Join Date: May 2010
Posts: 11,501
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Quote:
I like the way the merchant and amount are displayed as a notification
Remember it doesn't use your real bank card number in transactions so it's more secure than carrying a contactless card in your pocket. If you keep receipts to reconcile this can be confusing as they don't show the card number of the card linked to Android pay 😀 |
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#364 |
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Forum Member
Join Date: Jul 2000
Location: UK
Posts: 8,103
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Quote:
It's probably not going to affect the lives of those that are in a panic about the mere concept. They can continue as before (ignoring it).
For many it will become a more secure mechanism than chip and pin as well as more convenient. Right now it offers greater security for large payments (finger print) and is fully protected by guarantee against small payments (like contactless). It seems that the younger generation are far more trusting of technology than the older, so it's likely that they will use it.
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#365 |
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Forum Member
Join Date: Jul 2000
Location: UK
Posts: 8,103
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Quote:
I use Apple Pay and the notification tells you the merchant, the bank card (as in visa debit) and the amount.
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#366 |
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Forum Member
Join Date: Jun 2006
Posts: 29,115
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Do the payments via Android pay come out your bank just as quick as contactless and chip n pin ?
I really can't decide whether to bother puting this on or not. |
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#367 |
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Forum Member
Join Date: Jan 2011
Location: Dundee, Scotland
Posts: 9,293
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Quote:
Do the payments via Android pay come out your bank just as quick as contactless and chip n pin ?
I really can't decide whether to bother puting this on or not. I use it more then i use my card. Great for if i forget my wallet as well! |
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#368 |
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Forum Member
Join Date: Dec 2008
Location: UK
Posts: 14,219
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The problem I have with android pay is that you can make a purchase without unlocking the phone, therefore if you loose your phone/gets stolen people could make transaction.
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#369 |
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Forum Member
Join Date: Jan 2011
Location: Dundee, Scotland
Posts: 9,293
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Quote:
The problem I have with android pay is that you can make a purchase without unlocking the phone, therefore if you loose your phone/gets stolen people could make transaction.
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#370 |
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Forum Member
Join Date: Mar 2000
Location: This forum
Posts: 3,392
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Quote:
The problem I have with android pay is that you can make a purchase without unlocking the phone, therefore if you loose your phone/gets stolen people could make transaction.
The cards (Visa Paywave etc) are £30 limit to protect your account. The point of "phase 2 contactless" is the authentication point. |
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#371 |
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Forum Member
Join Date: Nov 2015
Posts: 2,090
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Quote:
The problem I have with android pay is that you can make a purchase without unlocking the phone, therefore if you loose your phone/gets stolen people could make transaction.
Quote:
Just like you can with a contactless card really. And like contactless, if you lose your phone, you get the money back anyway.
Worked flawlessly in both Primark and Iceland. As for the phone being stolen, the Barclays app has a good feature. To get into the app you need a 5 digit PIN but once in you can turn the virtual phone card on or off. So today whilst shopping I had it turned on for the whole day, but as I'm going out to a nightclub that doesn't do contactless I won't be needing it and so have turned the card off for the evening. So if the phone gets stolen or lost, even if I have no lock screen, you can't get into the app to turn the card back on. A nice little feature I thought. That is something you can't do with a physical card. |
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#372 |
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Forum Member
Join Date: Jan 2011
Location: Dundee, Scotland
Posts: 9,293
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Quote:
On the iPhone that is where you can't without the fingerprint. However I gather it depends on the specific Android phone how the authentication happens, some use fingerprint, some use PIN, some don't seem to need any authentication (so I hope are limited to £30).
The cards (Visa Paywave etc) are £30 limit to protect your account. The point of "phase 2 contactless" is the authentication point. All Android phones are the same in this respect. You still have to wake the phone to allow even the £30 purchase. |
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#373 |
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Forum Member
Join Date: Jan 2011
Location: Dundee, Scotland
Posts: 9,293
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Quote:
As I have just got a new phone and haven't decided yet if I'm going to root it, I thought I'd try out the Barclays app and it's contactless payments today:
Worked flawlessly in both Primark and Iceland. As for the phone being stolen, the Barclays app good feature. To get into the app you need a 5 digit PIN but once in you can turn the virtual phone card on or off. So today whilst shopping I had it turned on for the whole day, but as I'm going out to a nightclub that doesn't do contactless I won't be needing it and so have turned the card off for the evening. So if the phone gets stolen or lost, even if I have no lock screen, you can't get into the app to turn the card back on. A nice little feature I thought. Android pay is the same though. You can just turn it off by turning NFC off instead of going into the app etc. Same goes with the Barclays one. |
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#374 |
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Forum Member
Join Date: Mar 2000
Location: This forum
Posts: 3,392
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Quote:
Same with Android pay. It's limited to £30 without PIN/fingerprint authentication.
All Android phones are the same in this respect. You still have to wake the phone to allow even the £30 purchase. |
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#375 |
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Forum Member
Join Date: Jan 2011
Location: Dundee, Scotland
Posts: 9,293
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Quote:
iPhone wakes up itself, you don't need to do anything except hold it over the terminal. Then when ready to pay put finger on reader. I thought Android Pay was the same, but I'm reading on this thread you have to wake/unlock first?
I'll try tomorrow when i go shopping. |
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