Android Pay to Rival Apple Pay in the UK Next Month

mossy2103 · 19-05-2016, 14:34

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 ?

No, it requires a phone with an NFC chip.

Synthetic42 · 19-05-2016, 15:38

Tried this in TESCO yesterday, it works, but it's no easier than just using a contactless credit / debit card really.

lamby · 19-05-2016, 15:41

Quote:

Originally Posted by Synthetic42

Tried this in TESCO yesterday, it works, but it's no easier than just using a contactless credit / debit card really.

How about the loyalty card?

alanwarwic · 19-05-2016, 15:42

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.

jchamier · 19-05-2016, 16:08

Quote:

Originally Posted by alanwarwic

A sticker, band or key fob is just as good.

Just as good as the physical credit/debit card yet - with the £30 limit - Phase 1.

NOT as good as the active device (Android or Apple) which has authentication (fingerprint) - which goes above the £30 - Phase 2.

moox · 19-05-2016, 16:20

Quote:

Originally Posted by alanwarwic

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.

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?

alanwarwic · 19-05-2016, 16:28

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.

Broken Hope · 19-05-2016, 16:57

Quote:

Originally Posted by alanwarwic

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 not Barclays or any other banks job to tell me how I can spend my 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.

alanwarwic · 19-05-2016, 17:07

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.

paulbrock · 19-05-2016, 17:25

Quote:

Originally Posted by moox

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.

moox · 19-05-2016, 17:29

Quote:

Originally Posted by paulbrock

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.

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...

Quote:

Originally Posted by alanwarwic

bpay is fairly standard. Licking Google's bottom is possibly one standard we are better for without.

It is quite literally the opposite of a standard. No other UK bank issues crappy armbands or stickers for NFC payment, and it's similarly ignored worldwide. It is exclusive to Barclays

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!

paulbrock · 19-05-2016, 17:35

Quote:

Originally Posted by moox

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...

true, and that's the only option likely to make me give up a bpayband anytime soon.

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.

moox · 19-05-2016, 17:36

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.

ASIFZED · 19-05-2016, 20:30

Quote:

Originally Posted by jonmorris

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.

Actually, your device doesn't need unlocking for a contactless payment. It just needs to have the screen awake for a few seconds or so, whilst touching the reader. I've used my S6 for a number of purchases since Android Pay launched, all done whilst locked and by pressing the power button, which lights up the screen for about 10 secs or so. Absolutely no problems whatsoever.

Hopefully Samsung Pay will launch soon, which should cover those non-contactless retailers. Stupid Sainsburys.....!

dslrocks · 19-05-2016, 22:17

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.

jonmorris · 20-05-2016, 07:56

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.

lamby · 20-05-2016, 08:37

Quote:

Originally Posted by jonmorris

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.

I just used it in McDonalds. Easy to do, like the history of 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.

scooby1970 · 20-05-2016, 08:46

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

lamby · 20-05-2016, 09:04

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.

Broken Hope · 20-05-2016, 09:26

I'm guessing it's not like Apple Pay where you can choose the card before authorising with your finger print?

Synthetic42 · 20-05-2016, 09:30

Quote:

Originally Posted by lamby

How about the loyalty card?

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

lamby · 20-05-2016, 09:34

Quote:

Originally Posted by Broken Hope

I'm guessing it's not like Apple Pay where you can choose the card before authorising with your finger print?

With Android Pay, when you tap, its the default card that's used.

lamby · 20-05-2016, 09:34

Quote:

Originally Posted by Synthetic42

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

Unless your a baby face like me and need ID for booze!

Synthetic42 · 20-05-2016, 10:31

Quote:

Originally Posted by lamby

Unless your a baby face like me and need ID for booze!

Haha! I go in there so often they know me / my age

Cloudane · 20-05-2016, 10:36

Quote:

Originally Posted by lamby

Unless your a baby face like me and need ID for booze!

Haha I get that. I'm 34. If they're still asking at 40 I'll consider it a success

19-05-2016, 14:34	#176
mossy2103 Forum Member Join Date: Aug 2005 Posts: 68,710	Quote: Originally Posted by Mite_Janev 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 ? No, it requires a phone with an NFC chip.

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19-05-2016, 15:38	#177
Synthetic42 Forum Member Join Date: Oct 2012 Location: Newcastle Posts: 1,510	Tried this in TESCO yesterday, it works, but it's no easier than just using a contactless credit / debit card really.

19-05-2016, 15:41	#178
lamby Forum Member Join Date: Jul 2000 Location: Oxford, UK Posts: 3,332	Quote: Originally Posted by Synthetic42 Tried this in TESCO yesterday, it works, but it's no easier than just using a contactless credit / debit card really. How about the loyalty card?

19-05-2016, 15:42	#179
alanwarwic Forum Member Join Date: Oct 2003 Location: the wild world web Posts: 28,132	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.

19-05-2016, 16:08	#180
jchamier Forum Member Join Date: Mar 2000 Location: This forum Posts: 3,392	Quote: Originally Posted by alanwarwic A sticker, band or key fob is just as good. Just as good as the physical credit/debit card yet - with the £30 limit - Phase 1. NOT as good as the active device (Android or Apple) which has authentication (fingerprint) - which goes above the £30 - Phase 2.

19-05-2016, 16:20	#181
moox Forum Member Join Date: Oct 2004 Posts: 14,645	Quote: Originally Posted by alanwarwic 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. 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?

19-05-2016, 16:28	#182
alanwarwic Forum Member Join Date: Oct 2003 Location: the wild world web Posts: 28,132	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.

19-05-2016, 16:57	#183
Broken Hope Forum Member Join Date: Jan 2014 Location: Nottingham Posts: 314	Quote: Originally Posted by alanwarwic 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 not Barclays or any other banks job to tell me how I can spend my 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.

19-05-2016, 17:07	#184
alanwarwic Forum Member Join Date: Oct 2003 Location: the wild world web Posts: 28,132	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.

19-05-2016, 17:25	#185
paulbrock Forum Member Join Date: Apr 2002 Location: Wapping, London Posts: 16,222	Quote: Originally Posted by moox 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.

19-05-2016, 17:29	#186
moox Forum Member Join Date: Oct 2004 Posts: 14,645	Quote: Originally Posted by paulbrock 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. 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... Quote: Originally Posted by alanwarwic bpay is fairly standard. Licking Google's bottom is possibly one standard we are better for without. It is quite literally the opposite of a standard. No other UK bank issues crappy armbands or stickers for NFC payment, and it's similarly ignored worldwide. It is exclusive to Barclays 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!

19-05-2016, 17:35	#187
paulbrock Forum Member Join Date: Apr 2002 Location: Wapping, London Posts: 16,222	Quote: Originally Posted by moox 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... true, and that's the only option likely to make me give up a bpayband anytime soon. 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.

19-05-2016, 17:36	#188
moox Forum Member Join Date: Oct 2004 Posts: 14,645	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.

19-05-2016, 20:30	#189
ASIFZED Forum Member Join Date: Apr 2006 Posts: 1,020	Quote: Originally Posted by jonmorris 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. Actually, your device doesn't need unlocking for a contactless payment. It just needs to have the screen awake for a few seconds or so, whilst touching the reader. I've used my S6 for a number of purchases since Android Pay launched, all done whilst locked and by pressing the power button, which lights up the screen for about 10 secs or so. Absolutely no problems whatsoever. Hopefully Samsung Pay will launch soon, which should cover those non-contactless retailers. Stupid Sainsburys.....!

19-05-2016, 22:17	#190
dslrocks Forum Member Join Date: Jun 2002 Location: Between the gutter and stars Posts: 6,825	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.

20-05-2016, 07:56	#191
jonmorris Forum Member Join Date: Jul 2002 Location: a land filled with trolls Posts: 12,018	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.

20-05-2016, 08:37	#192
lamby Forum Member Join Date: Jul 2000 Location: Oxford, UK Posts: 3,332	Quote: Originally Posted by jonmorris 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. I just used it in McDonalds. Easy to do, like the history of 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.

20-05-2016, 08:46	#193
scooby1970 Forum Member Join Date: Jun 2003 Location: Neath Posts: 2,468	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

20-05-2016, 09:04	#194
lamby Forum Member Join Date: Jul 2000 Location: Oxford, UK Posts: 3,332	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.

20-05-2016, 09:26	#195
Broken Hope Forum Member Join Date: Jan 2014 Location: Nottingham Posts: 314	I'm guessing it's not like Apple Pay where you can choose the card before authorising with your finger print?

20-05-2016, 09:30	#196
Synthetic42 Forum Member Join Date: Oct 2012 Location: Newcastle Posts: 1,510	Quote: Originally Posted by lamby How about the loyalty card? 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

DS Forums

Android Pay to Rival Apple Pay in the UK Next Month

20-05-2016, 09:34	#197
lamby Forum Member Join Date: Jul 2000 Location: Oxford, UK Posts: 3,332	Quote: Originally Posted by Broken Hope I'm guessing it's not like Apple Pay where you can choose the card before authorising with your finger print? With Android Pay, when you tap, its the default card that's used.

20-05-2016, 09:34	#198
lamby Forum Member Join Date: Jul 2000 Location: Oxford, UK Posts: 3,332	Quote: Originally Posted by Synthetic42 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 Unless your a baby face like me and need ID for booze!

20-05-2016, 10:31	#199
Synthetic42 Forum Member Join Date: Oct 2012 Location: Newcastle Posts: 1,510	Quote: Originally Posted by lamby Unless your a baby face like me and need ID for booze! Haha! I go in there so often they know me / my age

20-05-2016, 10:36	#200
Cloudane Forum Member Join Date: Nov 2003 Posts: 870	Quote: Originally Posted by lamby Unless your a baby face like me and need ID for booze! Haha I get that. I'm 34. If they're still asking at 40 I'll consider it a success