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Android Pay to Rival Apple Pay in the UK Next Month
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tealady
18-05-2016
Originally Posted by moox:
“You don't need to unlock the phone unless you're making a transaction over £30.”

But you can't make a contactless payment over £30.
moox
18-05-2016
Originally Posted by tealady:
“But you can't make a contactless payment over £30.”

You can (or will be able to) with Android Pay though, provided that the retailer allows it. Same for Apple Pay.
tealady
18-05-2016
Originally Posted by moox:
“You can (or will be able to) with Android Pay though, provided that the retailer allows it. Same for Apple Pay.”

Ah, ok. I can see that in the bbc link above.
Aye Up
18-05-2016
Originally Posted by moox:
“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.”

You do realise Barclaycard NFC payments operate differently to "tokenisation"? Its effectively a copy of your credit card, where as Android/Apple Pay isn't.

That said service has been going for a while and was relatively easy to develop, the other two services as you say are difficult to support. On the one hand you insinuate what I say supports your arguement, then on the other you say something stupid like that.

Buddy you don't even have a clue how the backend processes work, yes I can go on about compexities, yet it would be for nothing. Android/Apple Pay to the end user is the same, to Barclays or any other bank it is not, hence why a lack of support from high street banks.

Over 1200 banks in America support Apple Pay, less than 110 support Android Pay, around 130 support Samsung Pay. It seems Android Pay is the more difficult one to support......

Although according to the Telegraph Barclays has said no to Android Pay:

http://www.telegraph.co.uk/technolog...t-android-pay/

Which doesn't tell the full story
alanwarwic
18-05-2016
Standards ? It sounds like yet another monopoly.

Yet it is consumers who tend to gravitate to one 'convenient' service, making monoplies ever bigger.
tealady
18-05-2016
Originally Posted by klunk:
“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”

It seems to be making use of your google credentials, and I have just set it up at home on the N7, so I could use it in a shop if it would fit in my pocket.
moox
18-05-2016
Originally Posted by Aye Up:
“You do realise Barclaycard NFC payments operate differently to "tokenisation"? Its effectively a copy of your credit card, where as Android/Apple Pay isn't.”

Effort spent on building NFC into their own crappy application, is effort that could have been spent supporting Apple and Android Pay.

Notice that no other UK bank has bothered to go it alone - and some of them have found the resources to support Apple/Android Pay very quickly.

As has been said, Barclays has form here - with their weird way of getting on board with paym.

It would not surprise me if they're going it alone here too.

Originally Posted by Aye Up:
“That said service has been going for a while and was relatively easy to develop, the other two services as you say are difficult to support. On the one hand you insinuate what I say supports your arguement, then on the other you say something stupid like that.

Buddy you don't even have a clue how the backend processes work, yes I can go on about compexities, yet it would be for nothing. Android/Apple Pay to the end user is the same, to Barclays or any other bank it is not, hence why a lack of support from high street banks..”

Again - Barclays isn't the only bank that has to do the work. I'm not saying it can be done in 10 minutes, which I take are the words you're putting in my mouth. What I am saying is that the entire banking industry is working on the same problem, many of whom have similar issues to Barclays (ancient backend infrastructure, conservatism, bureaucracy), but they've all managed to do what Barclays took an age to do in regard to Apple Pay (almost a year from launch to Barclays supporting it), and will likely do again with Android Pay.

Apple and Android Pay, at heart, both use the same technologies - NFC and tokenisation. There will be platform specific stuff around that but they are not totally different things. I'd be willing to bet that the other big banking groups will be on board with Android Pay relatively quickly, and Barclays will once again take forever. Or they'll integrate their own system into their own app, because they can do that with Android

"Lack of support"? Not sure the facts bear that one out.

Originally Posted by Aye Up:
“Over 1200 banks in America support Apple Pay, less than 110 support Android Pay, around 130 support Samsung Pay. It seems Android Pay is the more difficult one to support......”

This isn't necessarily due to difficulty. Apple is much better at getting third parties involved in things than Google is. The ridiculousness over VoLTE is testament to that.
Broken Hope
18-05-2016
Also why would they go to the effort of adding their NFC payment method to the main Barclays Mobile Banking app in June if Android Pay is coming not long after?

http://www.theguardian.com/money/201...android-phones
WelshBluebird
18-05-2016
Originally Posted by Aye Up:
“Over 1200 banks in America support Apple Pay, less than 110 support Android Pay, around 130 support Samsung Pay. It seems Android Pay is the more difficult one to support......
:”

Tbh I would say that has more to do with Apple's marketing power than actual technical implementation difficulties!
jchamier
18-05-2016
Originally Posted by WelshBluebird:
“Tbh I would say that has more to do with Apple's marketing power than actual technical implementation difficulties!”

Possibly - but also the technical spec is actually VISA/Mastercard/Europay's "phase 2 contactless". Which is why it "just works" in the UK as we rolled out phase 1 contactless (with the £30 limit) but the US didn't. Phase 2 was the authentication (fingerprint) which releases the £30 limit.
mossy2103
18-05-2016
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?”

Maybe you don't always have your credit cards with you, but will probably have your phone.
Cloudane
18-05-2016
When I tried at lunchtime on a £2 transaction, my phone wasn't seen by the reader until I unlocked it (I use fingerprint locking)

I haven't tried just pushing the power button though in case the NFC is linked to the screen being on or anything like that.

It also seems possible the distinction is that you can have screen locking off altogether if you want, but that would limit you to £30

Originally Posted by Broken Hope:
“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'”

Try again! I added mine at the weekend. It only works with the Visa card though, not the Amex (which gets declined everywhere anyway)

Still not fond of it though mostly because of the persistent notification it leaves running. I hate persistent notification icons, they add clutter.
Broken Hope
18-05-2016
Originally Posted by Cloudane:
“Try again! I added mine at the weekend. It only works with the Visa card though, not the Amex (which gets declined everywhere anyway)
”

Really?

Got a screenshot of it in the wallet?

Cause mine just shows the following when I try to add it.

http://i.imgur.com/rKHZVau.jpg
Denco1
18-05-2016
Originally Posted by Cloudane:
“
I haven't tried just pushing the power button though in case the NFC is linked to the screen being on or anything like that.
.”

I have a feeling you're on the money with it being linked to the screen being on. Android Beam doesn't work with the screen off, probably for battery saving reasons.
jonmorris
18-05-2016
When I set it up, it said my security was okay (I have fingerprint unlocking) so assume the idea is the phone must be on, and unlocked. So if it was off, someone could grab your phone and make payments up to £30.

But battery life is also key.
lamby
18-05-2016
Hey

So how does this work? I have added 3 cards to the app, how do I pay with a specific card? Do I get it on screen before I tap?

Does using NFC use much battery life?
AxeVictim
18-05-2016
Originally Posted by Broken Hope:
“Really?

Got a screenshot of it in the wallet?

Cause mine just shows the following when I try to add it.

http://i.imgur.com/rKHZVau.jpg”

Same for me with Visa Barclaycard.
Cloudane
18-05-2016
Originally Posted by Broken Hope:
“Really?

Got a screenshot of it in the wallet?

Cause mine just shows the following when I try to add it.

http://i.imgur.com/rKHZVau.jpg”

I can't, it won't let me take a screenshot with the app open. But I can promise it says Barclaycard Cashback and I even carried out a transaction with it.

BUT I turned it off earlier (the notification icon was annoying me) and now it won't let me turn it back on. It says I need an app or os update (both are up to date). Maybe they accidentally released it for a short time?

Edit: sorry, I misread. Thought we were talking about the Cashback card not being supported in the Android Barclaycard app...
Broken Hope
18-05-2016
Originally Posted by Cloudane:
“I can't, it won't let me take a screenshot with the app open. But I can promise it says Barclaycard Cashback and I even carried out a transaction with it.

BUT I turned it off earlier (the notification icon was annoying me) and now it won't let me turn it back on. It says I need an app or os update (both are up to date). Maybe they accidentally released it for a short time?

Edit: sorry, I misread. Thought we were talking about the Cashback card not being supported in the Android Barclaycard app...”

We seem to be talking about different things, Apple Pay doesn't have persistent notification icons, that's an Android thing..
alanwarwic
18-05-2016
Originally Posted by lamby:
“Hey

So how does this work? I have added 3 cards to the app, how do I pay with a specific card? Do I get it on screen before I tap?

Does using NFC use much battery life?”

Close to zero I bet, the main transaction transfer power being supplied by the merchant NFC terminal, similar to NFC tags.
tealady
18-05-2016
Originally Posted by lamby:
“Hey

So how does this work? I have added 3 cards to the app, how do I pay with a specific card? Do I get it on screen before I tap?

Does using NFC use much battery life?”

I'm guessing you have to swap the default before purchase.

The stuff I have read about NFC is not to have it on all the time. I use power toggles to gain quick access to NFC.
bikerlad
18-05-2016
Originally Posted by lamby:
“Hey

So how does this work? I have added 3 cards to the app, how do I pay with a specific card? Do I get it on screen before I tap?”

It uses the default card. If you want to change cards, you slide the card to the top and it'll become the new default card. You can't just display the card you want and tap.
alanwarwic
18-05-2016
Ah yes, does it write every wake up, or does it write only when it gets a merchant terminal signal?

I guess it is dormant until it senses a reader/terminal.
Cloudane
18-05-2016
Originally Posted by Broken Hope:
“We seem to be talking about different things, Apple Pay doesn't have persistent notification icons, that's an Android thing..”

Yep sorry, with the talk about the Barclays App (on Android) earlier I was thinking of when I tried to add my cashback card to the contactless payments on that, and it said the cashback cards aren't supported yet. I missed the mention of Apple in your post.
alanwarwic
18-05-2016
Intelligent comments on what is a bit of a difficult situation for the banks.
It ks a different situation to the US where three, the banking system was so antiquated.

http://www.theinquirer.net/inquirer/...ge-of-shopping
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