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Android Pay to Rival Apple Pay in the UK Next Month


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Old 10-09-2016, 07:02
noise747
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This seems like a lot of hassle, think I will continue to use my contactless debit/credit cards.
All seems like hassle, I will keep using cash, I know where I am with cash and it is accepted in most places.
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Old 10-09-2016, 07:04
noise747
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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.
No thanks, i do not use my card very often, but I prefer that layer of protection of a pin. Just a shame that some banks don't realise that we do not all want contactless cards, thankfully my bank gives me the choice.
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Old 10-09-2016, 07:13
kidspud
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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.
The major benefit (I assume apple and android are the same) is that on terminals that fully accept th device payment, there is no payment limit.

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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Old 10-09-2016, 07:36
gillyallan
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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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Old 10-09-2016, 09:57
natbike
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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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Old 10-09-2016, 12:06
gomezz
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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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Old 10-09-2016, 12:26
jonmorris
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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.
You get that from the payment app itself.
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Old 10-09-2016, 12:28
gomezz
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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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Old 10-09-2016, 12:45
kidspud
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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.
Do you mean payments made with the card, or with the phone?

Do you get text messages for every other transaction on your account?
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Old 10-09-2016, 12:51
gomezz
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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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Old 10-09-2016, 12:56
kidspud
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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.
In that case, you should use your phone for contactless. You get a notification for every payment made.
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Old 10-09-2016, 14:36
FiendishlyC
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In that case, you should use your phone for contactless. You get a notification for every payment made.
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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Old 10-09-2016, 14:58
kidspud
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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 😀
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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Old 10-09-2016, 14:59
Faust
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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.
Hey cheek! who are you calling young? I use Android Pay quite happily.
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Old 10-09-2016, 15:01
Faust
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I use Apple Pay and the notification tells you the merchant, the bank card (as in visa debit) and the amount.
Ditto Android Pay. I love the way people have really researched Apple and Android Pay systems - NOT!
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Old 10-09-2016, 15:34
gillyallan
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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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Old 10-09-2016, 15:41
Stiggles
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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.
Yup. Just as quickly.

I use it more then i use my card. Great for if i forget my wallet as well!
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Old 10-09-2016, 16:06
Anika Hanson
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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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Old 10-09-2016, 16:11
Stiggles
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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.
Just like you can with a contactless card really. And like contactless, if you lose your phone, you get the money back anyway.
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Old 10-09-2016, 16:59
jchamier
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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.
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.
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Old 10-09-2016, 17:25
Brian The Dog
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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.
Just like you can with a contactless card really. And like contactless, if you lose your phone, you get the money back anyway.
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 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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Old 10-09-2016, 17:25
Stiggles
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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.
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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Old 10-09-2016, 17:29
Stiggles
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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.
Yeah, i used the Barclays one as well and was quite good.

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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Old 10-09-2016, 17:29
jchamier
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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.
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?
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Old 10-09-2016, 17:32
Stiggles
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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'm not 100% sure actually. I always have the phone unlocked anyway when i get to the terminal.

I'll try tomorrow when i go shopping.
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