Android Pay to Rival Apple Pay in the UK Next Month

noise747 · 10-09-2016, 07:02

Quote:

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.

noise747 · 10-09-2016, 07:04

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.

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.

kidspud · 10-09-2016, 07:13

Quote:

Originally Posted by gillyallan

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.

gillyallan · 10-09-2016, 07:36

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.

natbike · 10-09-2016, 09:57

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.

gomezz · 10-09-2016, 12:06

One other protection I would want from a contactless payment system is a text notification to my mobile for every transaction made.

jonmorris · 10-09-2016, 12:26

Quote:

Originally Posted by gomezz

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.

gomezz · 10-09-2016, 12:28

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)?

kidspud · 10-09-2016, 12:45

Quote:

Originally Posted by gomezz

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?

gomezz · 10-09-2016, 12:51

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.

kidspud · 10-09-2016, 12:56

Quote:

Originally Posted by gomezz

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.

FiendishlyC · 10-09-2016, 14:36

Quote:

Originally Posted by kidspud

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 😀

kidspud · 10-09-2016, 14:58

Quote:

Originally Posted by FiendishlyC

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.

Faust · 10-09-2016, 14:59

Quote:

Originally Posted by natbike

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.

Faust · 10-09-2016, 15:01

Quote:

Originally Posted by kidspud

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!

gillyallan · 10-09-2016, 15:34

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.

Stiggles · 10-09-2016, 15:41

Quote:

Originally Posted by gillyallan

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!

Anika Hanson · 10-09-2016, 16:06

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.

Stiggles · 10-09-2016, 16:11

Quote:

Originally Posted by Anika Hanson

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.

jchamier · 10-09-2016, 16:59

Quote:

Originally Posted by Anika Hanson

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.

Brian The Dog · 10-09-2016, 17:25

Quote:

Originally Posted by Anika Hanson

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:

Originally Posted by Stiggles

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.

Stiggles · 10-09-2016, 17:25

Quote:

Originally Posted by jchamier

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.

Stiggles · 10-09-2016, 17:29

Quote:

Originally Posted by Brian The Dog

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.

jchamier · 10-09-2016, 17:29

Quote:

Originally Posted by Stiggles

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?

Stiggles · 10-09-2016, 17:32

Quote:

Originally Posted by jchamier

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.

10-09-2016, 07:02	#351
noise747 Forum Member Join Date: Dec 2007 Location: Herefordshire Posts: 22,810	Quote: Originally Posted by ACU 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.

10-09-2016, 07:04	#352
noise747 Forum Member Join Date: Dec 2007 Location: Herefordshire Posts: 22,810	Quote: Originally Posted by alanwarwic 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.

10-09-2016, 07:13	#353
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by gillyallan 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.

10-09-2016, 07:36	#354
gillyallan Forum Member Join Date: Jun 2006 Posts: 29,115	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.

10-09-2016, 09:57	#355
natbike Forum Member Join Date: May 2011 Posts: 475	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.

10-09-2016, 12:06	#356
gomezz Forum Member Join Date: Oct 2004 Location: Buckingham Posts: 28,590	One other protection I would want from a contactless payment system is a text notification to my mobile for every transaction made.

10-09-2016, 12:26	#357
jonmorris Forum Member Join Date: Jul 2002 Location: a land filled with trolls Posts: 12,018	Quote: Originally Posted by gomezz 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.

10-09-2016, 12:28	#358
gomezz Forum Member Join Date: Oct 2004 Location: Buckingham Posts: 28,590	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)?

10-09-2016, 12:45	#359
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by gomezz 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?

10-09-2016, 12:51	#360
gomezz Forum Member Join Date: Oct 2004 Location: Buckingham Posts: 28,590	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.

10-09-2016, 12:56	#361
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by gomezz 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.

10-09-2016, 14:36	#362
FiendishlyC Forum Member Join Date: Jan 2008 Posts: 88	Quote: Originally Posted by kidspud 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 😀

10-09-2016, 14:58	#363
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by FiendishlyC 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.

10-09-2016, 14:59	#364
Faust Forum Member Join Date: Jul 2000 Location: UK Posts: 8,103	Quote: Originally Posted by natbike 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.

10-09-2016, 15:01	#365
Faust Forum Member Join Date: Jul 2000 Location: UK Posts: 8,103	Quote: Originally Posted by kidspud 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!

10-09-2016, 15:34	#366
gillyallan Forum Member Join Date: Jun 2006 Posts: 29,115	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.

10-09-2016, 15:41	#367
Stiggles Forum Member Join Date: Jan 2011 Location: Dundee, Scotland Posts: 9,293	Quote: Originally Posted by gillyallan 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!

10-09-2016, 16:06	#368
Anika Hanson Forum Member Join Date: Dec 2008 Location: UK Posts: 14,219	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.

10-09-2016, 16:11	#369
Stiggles Forum Member Join Date: Jan 2011 Location: Dundee, Scotland Posts: 9,293	Quote: Originally Posted by Anika Hanson 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.

10-09-2016, 16:59	#370
jchamier Forum Member Join Date: Mar 2000 Location: This forum Posts: 3,392	Quote: Originally Posted by Anika Hanson 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.

10-09-2016, 17:25	#371
Brian The Dog Forum Member Join Date: Nov 2015 Posts: 2,090	Quote: Originally Posted by Anika Hanson 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: Originally Posted by Stiggles 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.

10-09-2016, 17:25	#372
Stiggles Forum Member Join Date: Jan 2011 Location: Dundee, Scotland Posts: 9,293	Quote: Originally Posted by jchamier 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.

DS Forums

Android Pay to Rival Apple Pay in the UK Next Month

10-09-2016, 17:29	#373
Stiggles Forum Member Join Date: Jan 2011 Location: Dundee, Scotland Posts: 9,293	Quote: Originally Posted by Brian The Dog 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.

10-09-2016, 17:29	#374
jchamier Forum Member Join Date: Mar 2000 Location: This forum Posts: 3,392	Quote: Originally Posted by Stiggles 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?

10-09-2016, 17:32	#375
Stiggles Forum Member Join Date: Jan 2011 Location: Dundee, Scotland Posts: 9,293	Quote: Originally Posted by jchamier 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.