[Closed] android pay

Battery - not really any difference.

Security - hard to tell, but it tells you when a transaction has been done, it pops up on screen. However the banks will cover your losses I think.

Ads - no ads involved that I can see.

I don't use it often - the only times I have are when I've gone running with only my phone for strava, and decied to pick up a drink on the way back to the hotel.

Molgrips seems to have covered it all. It's just like using Contactless cards but one thing less to carry/fiddle about taking out of the wallet.

okeydokes, ill give it a try. its now got my card details, so will try and pay with it later.

as it has my card details is there any way i can buy more expensive items, same as i would if using the card? maybe another level of security, or is it defo only up to £30 by phone?

thanks

It's just like Contactless so you have the same limits. It's less secure than a Chip & PIN payment as there is no PIN involved and the limits are set by what the Banks are happy to cover.

[quote=sadexpunk ]as it has my card details is there any way i can buy more expensive items, same as i would if using the card? maybe another level of security, or is it defo only up to £30 by phone?

Up to £100 I think currently. Though it depends on whether the retailer is set up to take payments over £30 which is the limit for contactless with a card. Last time I tried Morrisons isn't, but Waitrose is - if it's over £30 you have to put in the unlock code for your phone which seems to be a bit awkward (it doesn't seem to like you taking the phone off the reader, and having the phone unlocked in advance doesn't seem to work either - though I've only paid over £30 a few times, so probably just not used to it). Then of course some retailers don't even do contactless - step forwards B&Q.

I like it and use it a lot - I rarely carry a wallet any more. Struggling to see a downside apart from places which don't do contactless or have a stupid shop limit when the typical spend is higher.

Agree with aracer; most shops don't let you spend more than £30 in one transaction but others do (though I can only think of M&S off the top of my head)

It's as secure as your phone is really. The big advantage in terms of card security is that it uses a generated card number instead of your actual card number so even if someone got hold of a card receipt and tried to use it for nefarious purposes it wouldn't work. The bad news is that if you lose your phone someone could spend quite a bit of cash before you noticed - but it's no different to a regular contactless card in that respect I guess...

The bad news is that if you lose your phone someone could spend quite a bit of cash before you noticed

I haven't tried this to confirm but I don't think it will process a transaction if the phone is locked. So as long as your phone is locked* you should be good. I also use it fairly infrequently so NFC is turned off most ofthe time, more for battery concerns than security, but it gives another layer.

* On my phone if I disable the lock screen it warns that the card details will be removed from android pay unless the lock screen in reinstated. The lock screen is a requirement.

And that brings me to the only drawback I have found, being forced to use a lock screen. I didn't before. Although having to is a good thing anyway from a security perspective, irrespective of android pay.

Edit: Severn bridge tolls, BPW cafe, Ashton Court golf hut cafe have contactless so that's all good. 🙂

not true mark - You need the lock screen enabled; but it's only to authorise >£30 payments (at least ... on my phone anyway!)

Only thing that needs to be done to make a payment is to activate the screen - which can be handy when the card machine is across the other side of the bar ... 😉

[quote=stevehine ]Agree with aracer; most shops don't let you spend more than £30 in one transaction but others do (though I can only think of M&S off the top of my head)

To add to Waitrose, I'm fairly sure Sainsburys also has a higher limit (now they finally have contactless). Not having contactless at all is starting to seem rather archaic - I was somewhat surprised when I found I couldn't pay that way in B&Q last week (fortunately it was a small purchase and I carry a small amount of change in the car).

I think it will make a payment even if the phone is locked - fairly sure I've paid without unlocking (though not 100% sure - my phone is often unlocked anyway).

My Android phone just needs the screen to be on, not unlocked.

I'll try paying with the screen locked next time as I've always just unlocked the phone believing it necessary.

If that's the case then leaving NFC off is possibly a worthwhile security measure, unless frequently paying by phone. I probably average around once a week so no big issue to switch NFC on when required as it's on the quick shortcuts.

Just looked at the 'how it works' bit in the app menu and is just says wake up the phone (i.e.screen on) and hold it to the machine.

Not used mine yet but will be doing so soon.

If you have to use a screen lock then it's not really contactless is it? it's more chip and PIN, the PIN in this case being your phone lock. The whole point of contactless is taking out the need to use a PIN, shirley?

Been using my phone to pay for ages. Up to $100 here in Oz and everywhere accepts paywave multiple times so Gabi g aimit us pointless. Stolen phones or cards still get rinsed but over $100 you need to put your card PIN in.

Contact less..... Sounds a bit crap, seeing as most people touch the card on the scanner!

We can also do card less withdrawals from Atm.... Sends you a code and pin in 2 SMS messages. You can also send this to others.

We can also do card less withdrawals from Atm.... Sends you a code and pin in 2 SMS messages. You can also send this to others.

The whole point of contactless is taking out the need to use a PIN, shirley?

No, the point is to make it quicker. And a fingerprint unlock is quicker than chip and pin.

As pointed out, you don't even need to do that most of the time.

It appears you have to have screen lock enabled (I had no idea, I used that anyway), but for a <£30 transaction (which is all you can make with a card anyway) then you don't have to unlock.

I think it's OK up to £30 with the screen locked. £100 if you unlock.

well i tried it for the first time today in morrisons, bout £20s worth...... and it failed! tried it a few times, firstly by just waking the screen, then when that didnt work i unlocked it and tried again. nothing.
the card linked to it then worked first time.

any ideas what might be wrong?

If it didn't do anything, then most likely you haven't got NFC turned on or you were holding the wrong part of the phone to the reader (I was told the NFC is at the top of my phone, and it does seem to work more reliably now I know that).

NFC definitely turned on and the icons at top of screen too. i was holding the screen to the reader, ill try the top next then.

thanks

When you say "it failed," what do you mean? Failed to detect the device, failed to authorise, something else?

or you were holding the wrong part of the phone to the reader

The contact area for NFC is quite small (I think it's towards the bottom on my phone, I rarely use it). On a contactless card it's around where the beam logo is (pretty much the mirror of where the chip is).

The other thing to watch for is you have to present one and only one NFC to the reader - if you've got a wallet with multiple cards or a phone case with a card in a card slot it won't read. (I quite like this, it means I have to actually open my wallet or the phone flip case to use a card so presumably will thwart drive-bys?)

I'm sure when NFC first came along the location of the chip was marked on the case of the phone (it certainly was on my Xperia and it is on my Lumix camera).
[quote=sadexpunk ]NFC definitely turned on and the icons at top of screen too. i was holding the screen to the reader, ill try the top next then.
thanks
The chip will be on the back of the phone.

[quote=sadexpunk ]i was holding the screen to the reader

There's your problem then. When I wrote "top" I meant the top of the back of the phone- NFC is always in the back case.

[quote=scotroutes ]I'm sure when NFC first came along the location of the chip was marked on the case of the phone (it certainly was on my Xperia and it is on my Lumix camera).

you had the same model Xperia I have IIRC <opens case to check> well I never knew that! Not quite as near the top as I'd thought.

Yeah - Sony stuck the NFC antenna on the battery. I think Samsung might do that too

When you say "it failed," what do you mean? Failed to detect the device, failed to authorise, something else?

looks like the positioning is the key then, i didnt know that. id always assumed when people used NFC for transferring content from phone to phone they touched the screens together, although that thought was probably based on nothing at all.

ill give it a good attempt all over the phone next time then, but concentrate on the back.

thanks a lot

yup, it worked. turned it over and placed it near top of phone, im in 🙂

thanks a lot

I have been using Andoid Pay for 4 months! I basically use it all the time, brilliant.
Mine is fingerprint locked, very fast and did you know you can stick all your loyalty cards on there too, way to go !

[quote=hornetfancier ]did you know you can stick all your loyalty cards on there too, way to go !

I've done that, but what do you actually do with them when they're on there?

It got me out of big hole this week. Arrived at Leeds station using my season ticket to only realise I had left my wallet home. It would have taken over an hour to go home and get it, which would have caused me too miss my meeting. Managed to get the guy in the ticket office to spilt the cost of the ticket I needed to my meeting into two sub £30 charges (didn't realise you can do more with some places at that point). Made it to the meeting and bought both my lunch and dinner with Android pay. Mild crisis averted.

I've done that, but what do you actually do with them when they're on there?

Been using Android Pay for a week now and it's actually great!

I've managed a payment of +£500 using android pay - much to the surprise of everyone involved!

IIRC the limit on android and Apple pay is £1000

I use it all the time!

I've managed a payment of +£500 using android pay - much to the surprise of everyone involved!

[quote=sharkbait ]I presume it's just so you have your loyalty card barcode with you without having the actual card.

So what do you do with that barcode? I've tried, but it wouldn't scan off my screen, so what use is it?

Crikey - you are right, I just checked with my bank and there is no notable upper limit (lets be honest, if the upper limit is £1000, I'm likely to use my credit card anyway), but it does depend on the retailer! In which case, I probably could have paid for my train ticket in one transaction!

so its the individual bank that sets the allowable transaction limit, not that contactless is £30 max everywhere?

So what do you do with that barcode? I've tried, but it wouldn't scan off my screen, so what use is it?

er, what? What do you do with a barcode which won't scan?

[quote=sadexpunk ]so its the individual bank that sets the allowable transaction limit, not that contactless is £30 max everywhere?

It never has been £30 with Android Pay - that's the limit for use with a card, and is also the point at which you have to put in the unlock code on the phone (it doesn't work just with the phone unlocked, so it doesn't matter if you leave the phone unlocked). As discussed above it's also a hard limit some retailers have.

I've done a quick check, and can't find mention of any upper limit beyond £30 - not in the info on my bank website, or even on any other bank website of those I've checked. No mention at all of £100 which I'm sure was originally the upper limit. The implication being that there is no upper limit!

I like it.

IKEA: I paid for a wardrobe for 200 odd quid.
Asda and coop: 30 quid limit

Watch out; one time I was asked to present the card during a purchase in coop. It seems every X amount of transactions in the store have to have a card presented when attempting contactless pay.

Aracer. It's the store that decides and to do with the store needing to upgrade their payment systems

http://www.nationwide.co.uk/support/payments-and-transfers/android-pay/android-pay-overview

http://www.halifax.co.uk/helpcentre/android-pay/