NFC Expert 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 set up Android Pay: on phones
When setting up the application, the phone model does not matter. For the program to work, it is enough that the device meets the system requirements, and the security of personal data is also ensured.
Android Pay allows you to pay for online purchases, visits to cafes and cinemas, taxi rides. The main thing is that the user has the program configured, and the seller has NFC built-in in the terminal. The technology of contactless transfer is becoming more popular as it allows you not to carry bank cards with you. Near Field Communication is a secure technology. The risk of losing personal data is low thanks to the security system built into Android Pay.
Data transmission is carried out over an encrypted channel, and only temporal information is stored on the signal source and receiver. Despite the benefits of Android Pay, not everyone knows how to set it up on certain phones.
To set up Android Pay, you need to install the application of the same name and run it. First, go to the security settings and set the method for locking the smartphone. Add a new card by clicking on the corresponding icon. Follow the instructions on the screen.
On Xiaomi phones
Launch Android Pay and choose which account to link to the app. Add a card by clicking on the plus in the lower right corner. Follow the instructions.
On Huawei
Honor is a subsidiary of Huawei. Despite the difference in devices, setting up Android Pay is the same.
Asus smartphones differ slightly from devices from other manufacturers. To set up Android Pay, you need to enable NFC. You can do this in the wireless settings.
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 use the Google Pay payment system
Paying with Android Pay is really convenient! The only requirement for the terminal is to support contactless cards
. Already today, old-style terminals are the exception rather than the rule, and every day there are fewer of them.
To set up Google Pay, just follow the instructions built into the app. Enter the program and click on the plus to add a new card:
- If the device is not set to block, the app will ask the user to set it manually. To do this, you need to choose a graphic or digital password, make a fingerprint, or let the face recognition system remember the owner.
- Then you will need to enter information from the card: number, validity period, last name and first name in Latin, security code indicated on the back.
- If a mobile bank is attached to the card, you need to wait for an SMS with a confirmation code. Otherwise, you will have to enter a phone number first.
- By entering the code, the user will receive a notification that the card has been successfully linked to the Google Pay account.
- The application will ask the user to grant him access to some information, and then offer to make an electronic signature.
You can link up to 10 credit or debit cards to Google Pay. In some countries there is a limit on the number of cards. In addition, the system does not cooperate with all banks. If the user has linked several cards, he must select the main one, from which the funds will be debited in the first place. Otherwise, the first attached card will become the main one.
The application allows you to link not only bank, but also discount coupons, bonus and club cards. To add them, you will have to scan a barcode or QR code using your smartphone’s camera. Sometimes it is enough to enter the number and indicate the company in which the card was received.
After finishing setting up the program, users often wonder how to make purchases. To make money transactions, it is enough to unlock the smartphone and bring it to the terminal. Hold the device next to the last one until you hear a beep. Sometimes a message appears on the screen instead of a sound.
Remember that making payments using contactless payment technology is available only if the terminal is equipped with this function. Otherwise, payment is not possible.
Conditions
Paying with Google Pay is only possible if security conditions are met. The smartphone must have a lock screen enabled, while the device is protected by a digital or graphic password, face recognition system, fingerprint. Otherwise, Google Pay will not work because the security of sensitive information is at risk.
If a contactless payment user removes the screen lock, the app will automatically clear the card information. This provides security in case the phone is stolen or lost. Google highly values the personal data of users and protects them from intruders. If the owner of the device has not used contactless payment for a long time, the application will also delete all data. 90 days must have elapsed since the last payment.
Having lost the phone, the owner can remotely erase information about bank cards. To do this, you need to go to the Android Device Manager installed on your computer.
Where they 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, Shokoladnitsa, 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.
Application
Google Pay is used to pay for purchases in stores, taxi rides, purchase applications in the Play Market. To do this, just select the appropriate payment method. For money transfers made via NFC, the bank does not charge a fee.
Application developers ensure the security of confidential information by all means. N FC transmits encoded information, and the seller sees the user’s pseudonym during payment. In this case, payment is carried out without the participation of third parties.
Is it possible to pay from hours
How secure is Android Pay?
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.
After a cursory acquaintance with the capabilities of the service, a natural question arises about its security. After all, payment is made literally with one touch, it seems that illegal access can be obtained just as easily. But this is far from true!
in the USA, Great Britain, Australia and some other countries. When launching the service in our country, all the accumulated experience is used, which allows us to avoid unforeseen situations.
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.