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Android Pay to Rival Apple Pay in the UK Next Month |
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#176 |
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Join Date: Aug 2005
Posts: 68,710
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Quote:
hi guys can anybody tell me can i be able to pay with Android pay if the phone doesnt have NFC chip
like tap and pay function ? |
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#177 |
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Join Date: Oct 2012
Location: Newcastle
Posts: 1,510
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Tried this in TESCO yesterday, it works, but it's no easier than just using a contactless credit / debit card really.
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#178 |
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Join Date: Jul 2000
Location: Oxford, UK
Posts: 3,332
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Quote:
Tried this in TESCO yesterday, it works, but it's no easier than just using a contactless credit / debit card really.
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#179 |
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Join Date: Oct 2003
Location: the wild world web
Posts: 28,132
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I can see why Barclays is trying to do their own thing, their problem being only Apple Pay and now Android Pay get talked about.
https://www.bpay.co.uk/home#meet-the-bpay-family A sticker, band or key fob is just as good. And apart from a purchase cost, it also looks interesting for 'handy' pocket money. |
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#180 |
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Join Date: Mar 2000
Location: This forum
Posts: 3,392
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A sticker, band or key fob is just as good.
NOT as good as the active device (Android or Apple) which has authentication (fingerprint) - which goes above the £30 - Phase 2. |
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#181 |
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Join Date: Oct 2004
Posts: 14,645
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Quote:
I can see why Barclays is trying to do their own thing, their problem being only Apple Pay and now Android Pay get talked about.
https://www.bpay.co.uk/home#meet-the-bpay-family A sticker, band or key fob is just as good. And apart from a purchase cost, it also looks interesting for 'handy' pocket money. It's also very tacky. Who wants to stick a sticker to their phone's case? Or carry a wristband around? |
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#182 |
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Join Date: Oct 2003
Location: the wild world web
Posts: 28,132
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They work in a PAYG fashion, so you have to top-up.
It makes them different, worse in some ways yet better in others. Having used Contactless on my bank card, for I think over 2.5 years, as likely as not I will remove my card now attached to Google Pay. It is maybe an excess and I like to keep things simple. |
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#183 |
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Join Date: Jan 2014
Location: Nottingham
Posts: 314
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Quote:
I can see why Barclays is trying to do their own thing, their problem being only Apple Pay and now Android Pay get talked about.
https://www.bpay.co.uk/home#meet-the-bpay-family A sticker, band or key fob is just as good. And apart from a purchase cost, it also looks interesting for 'handy' pocket money. They brag about having the latest tech, being the first to support contactless etc Then they actively try not to support payment methods that are becoming standards. How much have they spent developing and marketing bPay when they could just support Apple/Android Pay like banks such as Lloyds and building societies like Nationwide. |
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#184 |
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Join Date: Oct 2003
Location: the wild world web
Posts: 28,132
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Standards?
We have multi-national companies taking over the game, paying very few taxes to boot. There is current news about bank branches closing etc yet you ain't seen nothing yet ! bpay is fairly standard. Licking Google's bottom is possibly one standard we are better for without. |
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#185 |
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Join Date: Apr 2002
Location: Wapping, London
Posts: 16,222
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A sticker, band or key fob isn't as good though. Apple/Android Pay offer tokenisation and the ability to do transactions above £30. Those trinkets are realistically no better than just using your card in the first place.
It's also very tacky. Who wants to stick a sticker to their phone's case? Or carry a wristband around? I've worn a bpay band for the last 18 months. MUCH quicker and more convenient than getting your wallet or phone out, great for travelling on the tube. No tokenisation but it uses a virtual card number that (apparently) cannot be used to e.g. order stuff online.No battery to worry about nor buttons to press to unlock before using. Quote:
They work in a PAYG fashion, so you have to top-up.
true, though there's also an auto top-up option so you never have to manually put money on.
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#186 |
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Join Date: Oct 2004
Posts: 14,645
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Quote:
I've worn a bpay band for the last 18 months. MUCH quicker and more convenient than getting your wallet or phone out, great for travelling on the tube. No tokenisation but it uses a virtual card number that (apparently) cannot be used to e.g. order stuff online.No battery to worry about nor buttons to press to unlock before using. More complexity, sure, but if you want to own a smartwatch anyway for other reasons... Quote:
bpay is fairly standard. Licking Google's bottom is possibly one standard we are better for without.
Apple and Android Pay are much more ubiquitous. If you're referring to licking the bottom of big business - Barclays aren't some tiny little credit union themselves! |
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#187 |
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Join Date: Apr 2002
Location: Wapping, London
Posts: 16,222
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You can theoretically achieve the same thing today if you decide to get a smartwatch one day. The Apple Watch does NFC + Apple Pay, and the Android side is catching up.
More complexity, sure, but if you want to own a smartwatch anyway for other reasons... That said, bpay band = £20. Smartwatch with NFC around £150+? More features but still needs a charged battery and have to press a button too. |
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#188 |
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Join Date: Oct 2004
Posts: 14,645
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As I said, it depends on if you'd want the other features of a smartwatch. It'd be a bit silly to buy one just for contactless payment.
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#189 |
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Join Date: Apr 2006
Posts: 1,020
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Quote:
The phone has to be unlocked. The only thing is the app itself doesn't need to be loaded/on screen.
There's a user guide in the app that explains the procedure. Hopefully Samsung Pay will launch soon, which should cover those non-contactless retailers. Stupid Sainsburys.....! |
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#190 |
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Join Date: Jun 2002
Location: Between the gutter and stars
Posts: 6,825
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Downloaded Android Pay onto my G4 yesterday, registering my First Direct debit card was dead easy and worked fine.
Credit card from the same bank didn't work as smoothly - AP didn't recognise the card and kept getting an error saying it wasn't recognised! I persisted and it eventually worked. I went to Waitrose and did some shopping, debit card worked fine first time, but the credit card got declined, it did all of the beep etc but the checkout said it was declined. Tried again and it worked. I hope it's just teething issues rather than a bad omen. FD and HSBC don't have any contactless functionality on their credit cards, which is strange given that their debit cards do. Just need to wait for other retailers to catch up, in Sainsbury's and more rural branches of Tesco, people are still bashing in their PINs like it's 2004. Does Android Pay always require a network connection to function? Or can it work fine without reception/wifi? Also, does it always authorise online and reserve the funds from your account? Contactless with a card doesn't seem to. |
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#191 |
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Join Date: Jul 2002
Location: a land filled with trolls
Posts: 12,018
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Your card issued will set a number of parameters on your card(s) relating to offline usage. I assume the virtual card on your phone works the same when set up.
I can add my Mastercard (well, I will when I can be bothered to phone up again as Lloyds had a problem with MC on launch day) even though my physical card isn't contactless. It's only because I never bothered to get a replacement as I use the card only for larger purchases. |
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#192 |
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Join Date: Jul 2000
Location: Oxford, UK
Posts: 3,332
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Quote:
Your card issued will set a number of parameters on your card(s) relating to offline usage. I assume the virtual card on your phone works the same when set up.
I can add my Mastercard (well, I will when I can be bothered to phone up again as Lloyds had a problem with MC on launch day) even though my physical card isn't contactless. It's only because I never bothered to get a replacement as I use the card only for larger purchases. Still interested in to how the loyalty cards work. I have added Nectar and Tesco, but none of them come up with a barcode, just the long card number on the front. |
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#193 |
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Join Date: Jun 2003
Location: Neath
Posts: 2,468
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Added to my Huawei P9 last night and looking forward to trying it out today! I know the places where I Contactless, so will not need to reach for wallet! How lazy is tech making us? Lol
Mark |
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#194 |
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Forum Member
Join Date: Jul 2000
Location: Oxford, UK
Posts: 3,332
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What i would love to see, is the ability to change what card the funds are debited from after say 15 mins.
I have my own account, joint account and a CC. If for one transaction i forgot to change my default card back to my own card from the CC, i would love to be able to change what card the transaction comes from. |
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#195 |
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Forum Member
Join Date: Jan 2014
Location: Nottingham
Posts: 314
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I'm guessing it's not like Apple Pay where you can choose the card before authorising with your finger print?
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#196 |
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Forum Member
Join Date: Oct 2012
Location: Newcastle
Posts: 1,510
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Quote:
How about the loyalty card?
All in all it is quite good, means I don't have to take my wallet with me if i just pop along to tescos
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#197 |
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Join Date: Jul 2000
Location: Oxford, UK
Posts: 3,332
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Quote:
I'm guessing it's not like Apple Pay where you can choose the card before authorising with your finger print?
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#198 |
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Forum Member
Join Date: Jul 2000
Location: Oxford, UK
Posts: 3,332
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Quote:
I've not got a loyalty card with them, but in this case it was slightly easier than getting my card out my wallet, then putting it back in and putting my wallet away as I already happened to have my phone out sending a message.
All in all it is quite good, means I don't have to take my wallet with me if i just pop along to tescos ![]()
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#199 |
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Forum Member
Join Date: Oct 2012
Location: Newcastle
Posts: 1,510
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Quote:
Unless your a baby face like me and need ID for booze!
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#200 |
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Forum Member
Join Date: Nov 2003
Posts: 870
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Quote:
Unless your a baby face like me and need ID for booze!
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I've worn a bpay band for the last 18 months. MUCH quicker and more convenient than getting your wallet or phone out, great for travelling on the tube. No tokenisation but it uses a virtual card number that (apparently) cannot be used to e.g. order stuff online.