Android Pay to Rival Apple Pay in the UK Next Month

binary · 18-05-2016, 12:16

Quote:

It was easier with Nationwide - they will send you the code via email or SMS and it just worked.

Nationwide do seem to be much more "with it" when it comes to technology, compared to most banks

Fewer legacy systems perhaps, so they can be more nimble and adaptable.

Roush · 18-05-2016, 12:22

Quote:

Originally Posted by djscrivo

Well that's a disappointment! Why is Lloyds and Halifax all ready but TSB are not

They are all practically the same bank with the same systems!

TSB was sold off a year ago. Part of the deal with the regulators when TSB was sold was that Lloyds paid for the IT migration to the new owners so they won't be running the same systems now.

djscrivo · 18-05-2016, 12:30

Quote:

Originally Posted by Roush

TSB was sold off a year ago. Part of the deal with the regulators when TSB was sold was that Lloyds paid for the IT migration to the new owners so they won't be running the same systems now.

Yet internet banking and the phone apps are still pretty much identical which different branding

Roush · 18-05-2016, 12:37

Quote:

Originally Posted by djscrivo

Yet internet banking and the phone apps are still pretty much identical which different branding

Yeah, that'll be because the TSB brand was brought back in 2013 by Lloyds after the plan to sell branches off to the Co-Op fell through, so it's hardly surprising that there were only minimal changes at the time.

That doesn't mean the back-end systems are anywhere near the same as they were since the sale last year though. Lloyds said the IT migration cost them £450m, so the changes would have been significant.

tealady · 18-05-2016, 12:43

Quote:

Originally Posted by bikerlad

Amex doesn't work yet. Did Amex launch on day one with Apple Pay or did they come later?

A lot of places don't take anex. When you fill in your merchant agreement, you state which cards to accept.
I don't see that the user mechanism to pay will override that.

bikerlad · 18-05-2016, 12:51

Quote:

Originally Posted by tealady

A lot of places don't take anex. When you fill in your merchant agreement, you state which cards to accept.
I don't see that the user mechanism to pay will override that.

I understand that, but it shouldn't stop Android Pay working with Amex cards, in the same way Apple Pay works with Amex.

tealady · 18-05-2016, 12:58

Just added it and may try tomorrow.

Roush · 18-05-2016, 13:02

Quote:

Originally Posted by bikerlad

I understand that, but it shouldn't stop Android Pay working with Amex cards, in the same way Apple Pay works with Amex.

Have they even committed to support Android Pay in the UK?

There was no mention of Amex cards in Google's announcement today, or their teaser announcement 2 months ago. They only said MasterCard and Visa cards from certain banks back then.

tealady · 18-05-2016, 13:03

Quote:

Originally Posted by Brian The Dog

However, isn't just using a contactless card a lot simpler than using your phone? How many buttons do you have to press to make a contactless transaction? - Wouldn't an oldschool 4 number PIN be easier?

Your phone has an extra layer of security, whereas the card can be used by anyone.

Personally, I prefer something with an extra step to authorise, but judging by GD threads an overwhelming majority are happy with the up to £30 process.

Brian The Dog · 18-05-2016, 13:19

Quote:

Originally Posted by tealady

Your phone has an extra layer of security, whereas the card can be used by anyone.

Personally, I prefer something with an extra step to authorise, but judging by GD threads an overwhelming majority are happy with the up to £30 process.

Yes I can see that in a lot of cases it's down to personal preference and certainly no one's option to do as they wish should be stopped, but I'm just thinking of the process of turning your phone on, unlocking it, and then any other security steps and things you have to press or select to get a simple transaction done. Surely just typing a 4 digit PIN is far easier and quicker? Also just as secure as putting codes into phones.

klunk · 18-05-2016, 13:37

Just bought some apples at Waitrose with it!
I didn't manage to add my MasterCard -- teething problems I think -- but Visa Debit went in no problem.

tealady · 18-05-2016, 13:45

Quote:

Originally Posted by Brian The Dog

Yes I can see that in a lot of cases it's down to personal preference and certainly no one's option to do as they wish should be stopped, but I'm just thinking of the process of turning your phone on, unlocking it, and then any other security steps and things you have to press or select to get a simple transaction done. Surely just typing a 4 digit PIN is far easier and quicker? Also just as secure as putting codes into phones.

Yeah, but it has great novelty value !

bikerlad · 18-05-2016, 13:49

Quote:

Originally Posted by Brian The Dog

Yes I can see that in a lot of cases it's down to personal preference and certainly no one's option to do as they wish should be stopped, but I'm just thinking of the process of turning your phone on, unlocking it, and then any other security steps and things you have to press or select to get a simple transaction done. Surely just typing a 4 digit PIN is far easier and quicker? Also just as secure as putting codes into phones.

I just need to unlock my phone by placing my finger on the fingerprint sensor, and I can pay. No other steps necessary.

Cloudane · 18-05-2016, 13:58

Barclays can go do one. They insist that you set their app as the default tap-to-pay method (even though Android itself lets you use a different method if the associated app is open) and they also shove a persistent notification up there which is really annoying. All persistent notifications are annoying, theirs is no different.

They did say "no plans to support" for Apple Pay and added it about a year later so maybe this time next year we'll see it - it could be just that Barclays is one of these slow, tight-lipped companies that says a default "no plans" to this kind of question until they get around to it.
That said, Apple are known for strong-arm tactics in getting other companies to co-operate - Google are just as big but I don't know if they're as pushy.

I only use Barclaycard for an old cashback account (1% Amex, 0.5% Visa) and am asking myself whether it's worth a couple of quid a month to deal with such an arrogant bank. Hopefully Asda Money will support Android Pay sooner and I can switch to their 0.5% cashback card. As for Amex it's more trouble than it's worth - I've lost count of the number of times it's failed and the cashier has given a puzzled look until eventually we establish they don't take Amex and often the transaction has to be restarted - all much to the annoyance of the queue behind.

First Direct, of course, works flawlessly.

klunk · 18-05-2016, 14:14

Does anyone know if you need a phone contract on the device for this to work? I.e., would it work on, say, a tablet with NFC and a data-only SIM?
My Google fu is failing me on this one.

alanwarwic · 18-05-2016, 14:34

Do you even need a Sim, would not NFC and Andoid 4.4+ work fine?

Aye Up · 18-05-2016, 14:59

Quote:

Originally Posted by moox

Barclays seems committed to not supporting anything that everyone else uses. They want you to use their app

What do you base that on? Quite an assumption don't you think?

Support for Android Pay is coming, as I have said in the past using these pay services is simple, what goes on behind the scenes is way more complex than a typical contactless card transaction. You would do well not to make such assumptions when you have no grounding for them. Its expected to arrive in or just after the summer.

Quote:

Originally Posted by jonmorris

As has been said before, Barclays will support Android Pay. Just not straight away.

Its coming, its been in testing for months, like Apple pay was. The system isn't easy to setup due to the way the transactions are secured. When using your card for a contactless purchase its no different to chip and pin (save not entering a pin), the process is the same. For Android and Apple Pay we know unique auth codes are used once in every transaction, thats where the complication lies.

Quote:

Originally Posted by alanwarwic

I think Barclays get it via their app, it is quite imminent too.

Barclays was/is working on its own variant, however consensus as won out, very little point developing a rival system seeing as most people will want to use the more popular services. Barclays is slow when it comes to mobile technology, they only launched a fully fledged mobile banking app in 2012, where as the rest of the market were well ahead in thier digital strategies.#

Android Pay has been in testing with Barclays for months, its extensive yet complicated, its just not ready. That may also explain why RBS group of companies haven't launched at the outset.

Stiggles · 18-05-2016, 14:59

Bah! No Barclays or RBS.

Stupid banks

moox · 18-05-2016, 15:07

Quote:

Originally Posted by Aye Up

What do you base that on? Quite an assumption don't you think?

Support for Android Pay is coming, as I have said in the past using these pay services is simple, what goes on behind the scenes is way more complex than a typical contactless card transaction. You would do well not to make such assumptions when you have no grounding for them. Its expected to arrive in or just after the summer.

It's not much of an assumption. Barclays was incredibly slow to support Apple Pay too (looks like it was launched last month?), and they are likely only doing this because for the iPhone, it's Apple Pay or no way.

While it's nice to go on about complexities and challenges, realistically it's no different to any of the other big banks who have decided to proactively support these services and are supporting Android Pay as of today. They all have to integrate tokenisation etc into their existing infrastructures. Not to mention that there will be large similarities in the way Apple and Android Pay operate.

Meanwhile, they've had no problems at all in releasing their own app for Barclaycard to handle NFC payments. So they've managed to lay the groundwork fast enough when it suits them.

AFAIK they don't use the paym app/system as well - which every other bank does. You must use the Barclays version. They're basically the "Apple" of banks, but have no redeeming features that would make you want to stay with them

You appear to be proving my point later on in the same post:

Quote:

Originally Posted by Aye Up

Barclays was/is working on its own variant, however consensus as won out, very little point developing a rival system seeing as most people will want to use the more popular services. Barclays is slow when it comes to mobile technology, they only launched a fully fledged mobile banking app in 2012, where as the rest of the market were well ahead in thier digital strategies.#

Android Pay has been in testing with Barclays for months, its extensive yet complicated, its just not ready. That may also explain why RBS group of companies haven't launched at the outset.

DazerUK · 18-05-2016, 15:13

Quote:

Originally Posted by bikerlad

I just need to unlock my phone by placing my finger on the fingerprint sensor, and I can pay. No other steps necessary.

Just made my first payment at Pret.

I was expecting some sort of validation, though it seemed the payment went through as soon as I held my phone up to the reader.

Maybe my thumb touched the finger print reader as I held the phone, not sure.

klunk · 18-05-2016, 15:17

Quote:

Originally Posted by alanwarwic

Do you even need a Sim, would not NFC and Andoid 4.4+ work fine?

OK, let me rephrase it: which, if any, of the following do you need?
- internet connection, be that WiFi or 3G via data-only SIM
- cell phone connection, e.g. Vodafone phone SIM

ClarkF1 · 18-05-2016, 15:22

Quote:

Originally Posted by DazerUK

Just made my first payment at Pret.

I was expecting some sort of validation, though it seemed the payment went through as soon as I held my phone up to the reader.

Maybe my thumb touched the finger print reader as I held the phone, not sure.

Rory Cellan-Jones says you just need to tap. No fingerprint or pin needed.

How secure is that?

http://www.bbc.co.uk/news/technology-36320321

I assume the phone just has to be unlocked.

moox · 18-05-2016, 15:24

Quote:

Originally Posted by ClarkF1

Rory Cellan-Jones says you just need to tap. No fingerprint or pin needed.

How secure is that?

http://www.bbc.co.uk/news/technology-36320321

I assume the phone just has to be unlocked.

You don't need to unlock the phone unless you're making a transaction over £30.

This is identical to how contactless cards work. I could steal your card and (in all likelihood) use it to make a few £30 transactions without needing to know your PIN.

In either case it should be easy to dispute fraudulent transactions.

bikerlad · 18-05-2016, 15:29

Quote:

Originally Posted by moox

You don't need to unlock the phone unless you're making a transaction over £30.

This is identical to how contactless cards work. I could steal your card and (in all likelihood) use it to make a few £30 transactions without needing to know your PIN.

In either case it should be easy to dispute fraudulent transactions.

I saw another site say that, so I tried it at lunchtime. I couldn't get it to work without unlocking. This was for a coffee, so not over £30.

Broken Hope · 18-05-2016, 15:34

Quote:

Originally Posted by Aye Up

What do you base that on? Quite an assumption don't you think?

Support for Android Pay is coming, as I have said in the past using these pay services is simple, what goes on behind the scenes is way more complex than a typical contactless card transaction. You would do well not to make such assumptions when you have no grounding for them. Its expected to arrive in or just after the summer.

Its coming, its been in testing for months, like Apple pay was. The system isn't easy to setup due to the way the transactions are secured. When using your card for a contactless purchase its no different to chip and pin (save not entering a pin), the process is the same. For Android and Apple Pay we know unique auth codes are used once in every transaction, thats where the complication lies.

Barclays was/is working on its own variant, however consensus as won out, very little point developing a rival system seeing as most people will want to use the more popular services. Barclays is slow when it comes to mobile technology, they only launched a fully fledged mobile banking app in 2012, where as the rest of the market were well ahead in thier digital strategies.#

Android Pay has been in testing with Barclays for months, its extensive yet complicated, its just not ready. That may also explain why RBS group of companies haven't launched at the outset.

Barclays definitely don't like supporting standards, take PayM, any other bank you just choose Pay a Contact in their banking app and do it that way, yet Barclays force the use of their Pingit App, meaning I'm forced to have another app on my phone and if the money isn't in the current account that PayM is registered to I first have to use Barclays mobile banking to transfer the money into the correct account and then use Pingit to send the money.

Barclays still also don't support the Cashback cards with Apple Pay despite saying over a month ago they it was coming 'very soon' which then got changed to 'soon'

Yet Nationwide who are much smaller have no issues supporting all the latest payment options at launch.

18-05-2016, 12:16	#101
binary Forum Member Join Date: Jan 2002 Posts: 636	Quote: Originally Posted by moox It was easier with Nationwide - they will send you the code via email or SMS and it just worked. Nationwide do seem to be much more "with it" when it comes to technology, compared to most banks Fewer legacy systems perhaps, so they can be more nimble and adaptable.

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18-05-2016, 12:22	#102
Roush Forum Member Join Date: Mar 2011 Location: Hertfordshire Posts: 2,938	Quote: Originally Posted by djscrivo Well that's a disappointment! Why is Lloyds and Halifax all ready but TSB are not They are all practically the same bank with the same systems! TSB was sold off a year ago. Part of the deal with the regulators when TSB was sold was that Lloyds paid for the IT migration to the new owners so they won't be running the same systems now.

18-05-2016, 12:30	#103
djscrivo Forum Member Join Date: Dec 2004 Location: Birmingham Posts: 402	Quote: Originally Posted by Roush TSB was sold off a year ago. Part of the deal with the regulators when TSB was sold was that Lloyds paid for the IT migration to the new owners so they won't be running the same systems now. Yet internet banking and the phone apps are still pretty much identical which different branding

18-05-2016, 12:37	#104
Roush Forum Member Join Date: Mar 2011 Location: Hertfordshire Posts: 2,938	Quote: Originally Posted by djscrivo Yet internet banking and the phone apps are still pretty much identical which different branding Yeah, that'll be because the TSB brand was brought back in 2013 by Lloyds after the plan to sell branches off to the Co-Op fell through, so it's hardly surprising that there were only minimal changes at the time. That doesn't mean the back-end systems are anywhere near the same as they were since the sale last year though. Lloyds said the IT migration cost them £450m, so the changes would have been significant.

18-05-2016, 12:43	#105
tealady Forum Member Join Date: Apr 2005 Location: colchester Posts: 15,352	Quote: Originally Posted by bikerlad Amex doesn't work yet. Did Amex launch on day one with Apple Pay or did they come later? A lot of places don't take anex. When you fill in your merchant agreement, you state which cards to accept. I don't see that the user mechanism to pay will override that.

18-05-2016, 12:51	#106
bikerlad Forum Member Join Date: Jun 2006 Location: London Posts: 391	Quote: Originally Posted by tealady A lot of places don't take anex. When you fill in your merchant agreement, you state which cards to accept. I don't see that the user mechanism to pay will override that. I understand that, but it shouldn't stop Android Pay working with Amex cards, in the same way Apple Pay works with Amex.

18-05-2016, 12:58	#107
tealady Forum Member Join Date: Apr 2005 Location: colchester Posts: 15,352	Just added it and may try tomorrow.

18-05-2016, 13:02	#108
Roush Forum Member Join Date: Mar 2011 Location: Hertfordshire Posts: 2,938	Quote: Originally Posted by bikerlad I understand that, but it shouldn't stop Android Pay working with Amex cards, in the same way Apple Pay works with Amex. Have they even committed to support Android Pay in the UK? There was no mention of Amex cards in Google's announcement today, or their teaser announcement 2 months ago. They only said MasterCard and Visa cards from certain banks back then.

18-05-2016, 13:03	#109
tealady Forum Member Join Date: Apr 2005 Location: colchester Posts: 15,352	Quote: Originally Posted by Brian The Dog However, isn't just using a contactless card a lot simpler than using your phone? How many buttons do you have to press to make a contactless transaction? - Wouldn't an oldschool 4 number PIN be easier? Your phone has an extra layer of security, whereas the card can be used by anyone. Personally, I prefer something with an extra step to authorise, but judging by GD threads an overwhelming majority are happy with the up to £30 process.

18-05-2016, 13:19	#110
Brian The Dog Forum Member Join Date: Nov 2015 Posts: 2,090	Quote: Originally Posted by tealady Your phone has an extra layer of security, whereas the card can be used by anyone. Personally, I prefer something with an extra step to authorise, but judging by GD threads an overwhelming majority are happy with the up to £30 process. Yes I can see that in a lot of cases it's down to personal preference and certainly no one's option to do as they wish should be stopped, but I'm just thinking of the process of turning your phone on, unlocking it, and then any other security steps and things you have to press or select to get a simple transaction done. Surely just typing a 4 digit PIN is far easier and quicker? Also just as secure as putting codes into phones.

18-05-2016, 13:37	#111
klunk Forum Member Join Date: May 2003 Posts: 1,370	Just bought some apples at Waitrose with it! I didn't manage to add my MasterCard -- teething problems I think -- but Visa Debit went in no problem.

18-05-2016, 13:45	#112
tealady Forum Member Join Date: Apr 2005 Location: colchester Posts: 15,352	Quote: Originally Posted by Brian The Dog Yes I can see that in a lot of cases it's down to personal preference and certainly no one's option to do as they wish should be stopped, but I'm just thinking of the process of turning your phone on, unlocking it, and then any other security steps and things you have to press or select to get a simple transaction done. Surely just typing a 4 digit PIN is far easier and quicker? Also just as secure as putting codes into phones. Yeah, but it has great novelty value !

18-05-2016, 13:49	#113
bikerlad Forum Member Join Date: Jun 2006 Location: London Posts: 391	Quote: Originally Posted by Brian The Dog Yes I can see that in a lot of cases it's down to personal preference and certainly no one's option to do as they wish should be stopped, but I'm just thinking of the process of turning your phone on, unlocking it, and then any other security steps and things you have to press or select to get a simple transaction done. Surely just typing a 4 digit PIN is far easier and quicker? Also just as secure as putting codes into phones. I just need to unlock my phone by placing my finger on the fingerprint sensor, and I can pay. No other steps necessary.

18-05-2016, 13:58	#114
Cloudane Forum Member Join Date: Nov 2003 Posts: 870	Barclays can go do one. They insist that you set their app as the default tap-to-pay method (even though Android itself lets you use a different method if the associated app is open) and they also shove a persistent notification up there which is really annoying. All persistent notifications are annoying, theirs is no different. They did say "no plans to support" for Apple Pay and added it about a year later so maybe this time next year we'll see it - it could be just that Barclays is one of these slow, tight-lipped companies that says a default "no plans" to this kind of question until they get around to it. That said, Apple are known for strong-arm tactics in getting other companies to co-operate - Google are just as big but I don't know if they're as pushy. I only use Barclaycard for an old cashback account (1% Amex, 0.5% Visa) and am asking myself whether it's worth a couple of quid a month to deal with such an arrogant bank. Hopefully Asda Money will support Android Pay sooner and I can switch to their 0.5% cashback card. As for Amex it's more trouble than it's worth - I've lost count of the number of times it's failed and the cashier has given a puzzled look until eventually we establish they don't take Amex and often the transaction has to be restarted - all much to the annoyance of the queue behind. First Direct, of course, works flawlessly.

18-05-2016, 14:14	#115
klunk Forum Member Join Date: May 2003 Posts: 1,370	Does anyone know if you need a phone contract on the device for this to work? I.e., would it work on, say, a tablet with NFC and a data-only SIM? My Google fu is failing me on this one.

18-05-2016, 14:34	#116
alanwarwic Forum Member Join Date: Oct 2003 Location: the wild world web Posts: 28,132	Do you even need a Sim, would not NFC and Andoid 4.4+ work fine?

18-05-2016, 14:59	#117
Aye Up Forum Member Join Date: Mar 2001 Location: North West Posts: 4,885	Quote: Originally Posted by moox Barclays seems committed to not supporting anything that everyone else uses. They want you to use their app What do you base that on? Quite an assumption don't you think? Support for Android Pay is coming, as I have said in the past using these pay services is simple, what goes on behind the scenes is way more complex than a typical contactless card transaction. You would do well not to make such assumptions when you have no grounding for them. Its expected to arrive in or just after the summer. Quote: Originally Posted by jonmorris As has been said before, Barclays will support Android Pay. Just not straight away. Its coming, its been in testing for months, like Apple pay was. The system isn't easy to setup due to the way the transactions are secured. When using your card for a contactless purchase its no different to chip and pin (save not entering a pin), the process is the same. For Android and Apple Pay we know unique auth codes are used once in every transaction, thats where the complication lies. Quote: Originally Posted by alanwarwic I think Barclays get it via their app, it is quite imminent too. Barclays was/is working on its own variant, however consensus as won out, very little point developing a rival system seeing as most people will want to use the more popular services. Barclays is slow when it comes to mobile technology, they only launched a fully fledged mobile banking app in 2012, where as the rest of the market were well ahead in thier digital strategies.# Android Pay has been in testing with Barclays for months, its extensive yet complicated, its just not ready. That may also explain why RBS group of companies haven't launched at the outset.

18-05-2016, 14:59	#118
Stiggles Forum Member Join Date: Jan 2011 Location: Dundee, Scotland Posts: 9,293	Bah! No Barclays or RBS. Stupid banks

18-05-2016, 15:07	#119
moox Forum Member Join Date: Oct 2004 Posts: 14,645	Quote: Originally Posted by Aye Up What do you base that on? Quite an assumption don't you think? Support for Android Pay is coming, as I have said in the past using these pay services is simple, what goes on behind the scenes is way more complex than a typical contactless card transaction. You would do well not to make such assumptions when you have no grounding for them. Its expected to arrive in or just after the summer. It's not much of an assumption. Barclays was incredibly slow to support Apple Pay too (looks like it was launched last month?), and they are likely only doing this because for the iPhone, it's Apple Pay or no way. While it's nice to go on about complexities and challenges, realistically it's no different to any of the other big banks who have decided to proactively support these services and are supporting Android Pay as of today. They all have to integrate tokenisation etc into their existing infrastructures. Not to mention that there will be large similarities in the way Apple and Android Pay operate. Meanwhile, they've had no problems at all in releasing their own app for Barclaycard to handle NFC payments. So they've managed to lay the groundwork fast enough when it suits them. AFAIK they don't use the paym app/system as well - which every other bank does. You must use the Barclays version. They're basically the "Apple" of banks, but have no redeeming features that would make you want to stay with them You appear to be proving my point later on in the same post: Quote: Originally Posted by Aye Up Barclays was/is working on its own variant, however consensus as won out, very little point developing a rival system seeing as most people will want to use the more popular services. Barclays is slow when it comes to mobile technology, they only launched a fully fledged mobile banking app in 2012, where as the rest of the market were well ahead in thier digital strategies.# Android Pay has been in testing with Barclays for months, its extensive yet complicated, its just not ready. That may also explain why RBS group of companies haven't launched at the outset.

18-05-2016, 15:13	#120
DazerUK Forum Member Join Date: Jun 2004 Location: London E17 Posts: 1,333	Quote: Originally Posted by bikerlad I just need to unlock my phone by placing my finger on the fingerprint sensor, and I can pay. No other steps necessary. Just made my first payment at Pret. I was expecting some sort of validation, though it seemed the payment went through as soon as I held my phone up to the reader. Maybe my thumb touched the finger print reader as I held the phone, not sure.

18-05-2016, 15:17	#121
klunk Forum Member Join Date: May 2003 Posts: 1,370	Quote: Originally Posted by alanwarwic Do you even need a Sim, would not NFC and Andoid 4.4+ work fine? OK, let me rephrase it: which, if any, of the following do you need? - internet connection, be that WiFi or 3G via data-only SIM - cell phone connection, e.g. Vodafone phone SIM

DS Forums

Android Pay to Rival Apple Pay in the UK Next Month

18-05-2016, 15:22	#122
ClarkF1 Forum Member Join Date: Jun 2004 Location: London Posts: 5,862	Quote: Originally Posted by DazerUK Just made my first payment at Pret. I was expecting some sort of validation, though it seemed the payment went through as soon as I held my phone up to the reader. Maybe my thumb touched the finger print reader as I held the phone, not sure. Rory Cellan-Jones says you just need to tap. No fingerprint or pin needed. How secure is that? http://www.bbc.co.uk/news/technology-36320321 I assume the phone just has to be unlocked.

18-05-2016, 15:24	#123
moox Forum Member Join Date: Oct 2004 Posts: 14,645	Quote: Originally Posted by ClarkF1 Rory Cellan-Jones says you just need to tap. No fingerprint or pin needed. How secure is that? http://www.bbc.co.uk/news/technology-36320321 I assume the phone just has to be unlocked. You don't need to unlock the phone unless you're making a transaction over £30. This is identical to how contactless cards work. I could steal your card and (in all likelihood) use it to make a few £30 transactions without needing to know your PIN. In either case it should be easy to dispute fraudulent transactions.

18-05-2016, 15:29	#124
bikerlad Forum Member Join Date: Jun 2006 Location: London Posts: 391	Quote: Originally Posted by moox You don't need to unlock the phone unless you're making a transaction over £30. This is identical to how contactless cards work. I could steal your card and (in all likelihood) use it to make a few £30 transactions without needing to know your PIN. In either case it should be easy to dispute fraudulent transactions. I saw another site say that, so I tried it at lunchtime. I couldn't get it to work without unlocking. This was for a coffee, so not over £30.

18-05-2016, 15:34	#125
Broken Hope Forum Member Join Date: Jan 2014 Location: Nottingham Posts: 314	Quote: Originally Posted by Aye Up What do you base that on? Quite an assumption don't you think? Support for Android Pay is coming, as I have said in the past using these pay services is simple, what goes on behind the scenes is way more complex than a typical contactless card transaction. You would do well not to make such assumptions when you have no grounding for them. Its expected to arrive in or just after the summer. Its coming, its been in testing for months, like Apple pay was. The system isn't easy to setup due to the way the transactions are secured. When using your card for a contactless purchase its no different to chip and pin (save not entering a pin), the process is the same. For Android and Apple Pay we know unique auth codes are used once in every transaction, thats where the complication lies. Barclays was/is working on its own variant, however consensus as won out, very little point developing a rival system seeing as most people will want to use the more popular services. Barclays is slow when it comes to mobile technology, they only launched a fully fledged mobile banking app in 2012, where as the rest of the market were well ahead in thier digital strategies.# Android Pay has been in testing with Barclays for months, its extensive yet complicated, its just not ready. That may also explain why RBS group of companies haven't launched at the outset. Barclays definitely don't like supporting standards, take PayM, any other bank you just choose Pay a Contact in their banking app and do it that way, yet Barclays force the use of their Pingit App, meaning I'm forced to have another app on my phone and if the money isn't in the current account that PayM is registered to I first have to use Barclays mobile banking to transfer the money into the correct account and then use Pingit to send the money. Barclays still also don't support the Cashback cards with Apple Pay despite saying over a month ago they it was coming 'very soon' which then got changed to 'soon' Yet Nationwide who are much smaller have no issues supporting all the latest payment options at launch.