Android Pay in Russia: the first problems and their solution

What smartphones does Android Pay work with

Android Pay will work even on some devices from the beginning of 2013: HTC One, Sony Xperia Z1, Samsung Galaxy S5, LG G3s and others. But not for everyone. For example, Nexus 7, Galaxy Note 3 and Galaxy S3 do not have HCE. Most modern low-cost phones have N FC: Samsung Galaxy A3, LG G4s, Huawei P8 Lite, Sony Xperia XA.

Still, it is often not put on phones up to 10 thousand rubles. You cannot pay with Samsung Galaxy J1, Acer Liquid Z520, Asus ZenFone Go, LG K5 and other budget models. Another important condition is that the phone must be without root access. On a hacked device, the application simply will not start. The craftsmen allegedly found a way to bypass the restriction, but we do not recommend doing this on your device.

How to connect a card to Android Pay

This list will expand in the future.

In addition to bank cards in Android Pay, you can save gift and bonus cards of retail chains, which entitle you to receive discounts on purchases. To connect such a card, the user needs to scan its barcode using a phone.

As planned, in the store, the user should open the required loyalty card on the phone and show the device to the cashier to scan or manually enter the barcode. Android Pay can also alert the user if they are near a store that accepts one of their cards.

Which cards are tied

At the time of launch, the system worked with Visa and MasterCard debit and credit cards from 14 banks: AK Barsa, Alfa-Bank, Binbank, VTB24, MTS Bank, Otkritie Bank, Promsvyazbank ”, Raiffeisenbank, Rocketbank, Russian Standard Bank, Rosselkhozbank, Sberbank, Tinkoff, Tochka Bank.

Android Pay also supports Yandex. Money”. Later, other banks and the Mir payment system will most likely begin to cooperate with Android Pay (it is planned to be connected to the already working Apple Pay and Samsung Pay). In the USA, a PayPal account with all connected cards is linked to Android Pay. Perhaps, over time, such a function will appear in Russia.

How to pay with Android Pay

Like other systems, Android Pay works through the NFC protocol, so phone payments must go through wherever Visa and MasterCard contactless card payments work. Next to the terminals, there are usually icons for PayPass, PayWave, Apple Pay, Android Pay, or contactless payment systems. At the time of launch, partnerships with Android Pay were announced by Spar stores, Azbuka Vkusa, VkusVill, Karusel, Perekrestok, Pyaterochka, Magnit, M.

video”, “Lenta”, Metro and H{amp}amp;M, Burger King, KFC, McDonald’s, Teremok, Starbucks, Double B, Chocolate Girl, BP gas stations, ” Bashneft and Rosneft. This means that in these establishments there should be no problems with payment and cashiers who refuse to accept payment from the phone.

So, for example, the Moscow City Hall announced the possibility of traveling by metro and MCC for 1 ruble when buying a ticket via Android Pay. But the passengers discovered that 40 rubles were deducted from the cards and no refund was made.

In Russia, almost every retail chain has such terminals – Azbuka Vkusa, Pyaterochka, Perekrestok, Karusel, Magnit, OK, Eldorado, H{amp} amp;M, Starbucks, KFC, Burger King, Teremok, Doubleby, Rosneft, Bashneft and so on. Until the end of 2017, Sberbank, which serves 1.1 million terminals, promises to add the possibility of contactless payment to all its devices.

To pay for goods and services, you need to “wake up” the device with the Android Pay application and bring it to the terminal for a few seconds. If the operation is successful, a message about it and an image of the card used will appear on the screen.

In some cases, the cashier may ask you to enter a PIN code or sign a check. It depends on the settings of the bank that issued the card and the terminal. As a rule, in Russia, when making contactless payments, you need to enter a PIN code for a transaction worth more than 1,000 rubles.

Android Pay allows you to make three transactions in a row without unlocking the phone for up to 1000 rubles each, on the fourth, the user will need to unlock the phone using a pattern or fingerprint. The “counter” of transactions is reset if the user has unlocked the phone between them.

If the user has connected several cards, then one of them will need to be selected as the standard one, which will be used by default. To use another card, before paying, you need to open the application and select the desired card – if necessary, it can be assigned as a standard for the future.

With Android Pay, you can also pay for purchases in some mobile applications and on websites through the mobile version of Google Chrome. In such cases, the “Pay with Android Pay” button will appear on the payment page.

In some services (for example, Uber), you can use Android Pay as one of the permanent payment methods. At the start of the system in Russia, the service will be available in Lamoda, OneTwoTrip, Rambler/Kassa and Afisha, and later it will appear in Delivery Club, Kinokhod, Ozon, Yandex. Taxi” and other applications.

Google’s website has instructions for developers who want to enable payment in their apps and websites via Android Pay. In Russia, payments via Android Pay can be accepted using Yandex. Cashier”, Assist and Payture.

On May 23, when Android Pay was officially launched in Russia, some users discovered that the application was not available or did not work on their devices. The official Google support site lists smartphones that do not support Android Pay. Among them are Elephone P9000, Evo 4G LTE, Nexus 7 (2012), Samsung Galaxy Note III, Samsung Galaxy S3 and Samsung Galaxy Light.

In addition to the models announced on the Google website, users of other devices from different brands encountered a problem when installing the Android Pay application. In particular, problems are observed on smartphones Meizu, Xiaomi, OnePlus and others.

Solution: for many popular devices, w3bsit3-dns.com forum users have already compiled detailed instructions for launching Android Pay. Perhaps a solution to the problem has already been found for your smartphone. How to find out:

• go to the topic about Android Pay and find your gadget through the search;
• go to the topic thread about your device, open the topic of your device and see the latest messages, as well as the topic header (don’t forget about the search function);
• go to the topic of flashing your smartphone and see the solution on the last pages or header.

Tip: even if your smartphone is on the list of unsupported devices, it makes sense to try installing Android Pay on it. For example, we personally tested the operation of Android Pay on the Galaxy S8 with the “incompatible” MyKnox function – everything worked, but before that, you need to set Android Pay as the main payment system in the device settings. In the case of other devices, go to the profile topic – it is possible that there is already a solution there.

Is it possible to pay from hours

How safe is it

Like other payment systems, Android Pay does not transmit the card number and customer information to the terminal. Instead, a one-time 16-digit key (token) is sent to the phone, which is transferred to the terminal and used for payment. Tokens are generated in the Google cloud and sent to the phone via the Internet.

Offline, Android Pay uses one of the tokens from the phone’s memory. How exactly the system protects these tokens is still unknown. In addition to the key, Android Pay sends information about the payment network (Visa or MasterCard) and phone number to the terminal. Set a PIN or pattern password on a phone without a fingerprint scanner, otherwise anyone can unlock it and spend money. If your device is lost or stolen, block it using this link.

How are payments secured

Google guarantees that Android Pay does not use information about cards connected to the service. The system creates virtual “copies” for them, the data of which is transferred to the seller, and the data on real cards is stored on Google servers.

The first time Android Pay is launched, the user will need to set up security on the phone, such as a gesture or fingerprint lock. Turning off phone security will delete data from the Android Pay app.

If the device is lost, it can be locked or erased using Android Device Manager. Also, data from Android Pay is automatically erased if the device is inactive for 90 days or more.

#Google#Russia#banks#Android_Pay

How Android Pay differs from Apple Pay and Samsung Pay

Android Pay does not create or store tokens on a secure chip inside the smartphone, as Apple Pay and Samsung Pay do. It receives keys from the cloud. Android Pay cannot pay on older terminals that do not support NFC. Samsung Pay can.

Android Pay is available to many: old smartphones and inexpensive models support it. The list of devices for Apple Pay and Samsung Pay is much shorter. The first works on iPhones from the sixth, iPhone SE, iPad Air 2, iPad Pro, Apple Watch (as well as on iPhones from the fifth, but after hours). Samsung Pay supports the Galaxy lineup from S6, Galaxy Note 5, A5 and A7 2016, A3 2017, Gear S2 and Gear S3.

At the start, the list of partner banks supporting Apple Pay and Samsung Pay was much shorter. Android Pay immediately launched with a large package of contracts. But the geography of Android Pay is still relatively small. In addition to Russia, it has been launched in 10 more countries. Apple Pay and Samsung Pay also work in 5-6 other states.

What other alternatives are there

In addition to Android Pay, Apple Pay and Samsung Pay, there are payment apps. For holders of any Visa cards, there is the Visa QIWI Wallet application. When paying through the terminal, the application encrypts the data and requires confirmation, which is sent to the phone number.

The Wallet app is compatible with Android smartphones that have an NFC chip. The application does not link existing bank cards, so for payment you need to issue a MasterCard card from Russian Standard, Tinkoff or St. Petersburg banks (this is done in the application). If the application was pre-installed on a smartphone, then the card information is stored in a secure chip; if it is installed after purchase, then the data will be placed in the MasterCard cloud.

Alfa-Bank, MTS Bank, Moscow Industrial Bank, Ak Bars, Russian Standard, St. Petersburg, Tinkoff, Euroset and Yandex banks have contactless payment services. . Of money”. All of them work only with MasterCard and Android.