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.
The introduction of the NFC — Near Field Communication system has led to the emergence of applications for contactless payment for purchases from mobile devices. The introduction of the technology has provoked various questions regarding its capabilities and uses.
Programs like Google Pay work solely due to the presence of an NFC chip in devices. The latter acts as an analogue of contactless modules of bank cards. Accordingly, it is used to pay for purchases from a smartphone. In the absence of a chip, payment at terminals becomes impossible. You can purchase and install the module manually, but some devices do not have a suitable slot.
At the time of launch in Russia, the payment system works with Visa and MasterCard cards of the following banks: AK BARS Bank, Alfa-bank, Binbank, VTB-24, MTS Bank, Otkritie (and its constituents Rocketbank and Tochka), Promsvyazbank , Raiffeisen Bank, Rosselkhozbank, Russian Standard, Sberbank, Tinkoff Bank, as well as with Yandex. Money. Since its launch, the vast majority of large Russian offline retailers have supported the technology.
There is reason to believe that in the near future the list will be replenished, as it happened with the services of competitors. Apple Pay in the first month in Russia cooperated with only nine banks, and at the time of publication of the material, there were already 14 banks on the list (including Sberbank), plus the Yandex. Money. At first, Samsung also had an agreement with a small number of banks, and only MasterCard could be connected. Today, the technology is supported by Visa, and a total of 15 banks operating in Russia, plus the same Yandex. Money.
Article content
What is Android Pay
Which stores can use this “chip”
How to use this feature
Errors when paying by phone
Android Pay Security
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 Android Pay Sberbank in the store?
To transact in stores or other places where you used to pay by card or cash, you need the following:
- Have an NFC-enabled Android KitKat 4.4 or higher phone with the app pre-installed.
- Add bank cards, accounts or other means of payment to the program account.
- When paying for purchases or services provided, bring the phone to the terminal and pay.
Let’s consider each of these points in more detail.
Not all stores will allow you to pay by phone. For example, in some terrible stall, which is already several decades old, where they still use scores, you are unlikely to pay by phone. After all, the terminal, like a smartphone, must also be equipped with an NFS module. Therefore, while this function with payment via phone is not very popular in the CIS countries, it is not worth leaving home to the store with only one phone, hoping to pay through it, take a card just in case.
Android Pay allows you not only to pay in modern stores, coffee shops, cafes, etc., but even in some transport this function works great.
To make a payment using this method, you first need to link the product to the Android Pay system. It will be possible to pay for services and goods in this way without any problems. The most important thing is to make sure that all settings are set as correctly as possible and the card is connected correctly.
As soon as it becomes clear that all the settings have been made as correctly as possible, you can make ordinary payment transactions from the bank’s plastic through any terminals installed in the city that support this option. To carry out the operation, you will need to perform the following simple steps:
- Turn on the smartphone and unlock the device in the usual way.
- Mobile is brought to the terminal.
If the operation was carried out correctly, the appropriate inscription Ready will appear on the screen, which will be accompanied by a special sound signal.
Before paying for purchases in the store via NFC, make sure that the technology is available and connected. To do this, inspect the phone for the presence of a stylized letter N. You can check whether the contactless payment process is enabled in the wireless settings.
To pay for purchases, you must also make sure that the phone meets the following conditions:
- version of the Android operating system must be higher than the fifth, but in some cases payment is possible from 2.3 or higher;
- the firmware installed on the device is official;
- no superuser rights;
- Device bootloader is blocked.
Most of the condition can be bypassed, with the exception of Root. Setting superuser rights negatively affects the device, as it becomes more susceptible to viruses. Also, official apps stop working on rooted phones.
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, 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.
How to start using Android Pay
First of all, you need to install the Android Pay application from the official Google store or from the apk file. The application interface is simple, intuitive and similar to other services of the company, so you won’t have to get used to anything. Of course, you can add several cards and assign the main one for payment by default.
After that, you can safely go to a store or website that supports contactless payments. To pay in a supermarket, it is enough to unlock the smartphone and bring it to the terminal without launching the application – the money will be debited from the card by default.
What are the possibilities of paying by phone without NFC
Payment for purchases via Android Pay is as follows:
- The user must unlock the smartphone. It is not necessary to open the contactless payment app.
- You need to bring the phone, bringing the back panel to the display of the terminal. The devices must be parallel to each other.
- Sometimes when using debit cards, a store employee may ask you to enter a pin code or provide an electronic signature. This is usually required for large purchases.
Accordingly, the answer to the question “Do I need to unlock the phone when paying for Android pay” is positive.
If you put your smartphone to the terminal, and payment does not occur, the following errors may have been made:
- You forgot to unlock your phone, your phone screen must be unlocked to pay via Android Pay!
- NFS module did not catch the signal. To do this, attach the phone to the terminal with the other side, in a different position.
- You took the phone away from the terminal too quickly and did not allow the payment process to complete. To do this, you need to wait a few seconds for the payment to be made successfully.
- The terminal may not support APP payment. In this case, you can pay either in cash or by card.
If the phone vibrates
- There is only one reason and it is not in your smartphone, but in the terminal. So, for some reason, the terminal did not process your request and a failure occurred.
If it says that the card is rejected, then you should contact the bank, only he will help you in this situation.
You can use Android or Google Pay without a contactless chip, but these payment methods are subject to five conditions:
- the smartphone’s processor operates at a processor frequency of more than one GHz;
- the device has at least 100 MB of free memory;
- there is free access to slots for SIM cards;
- smartphone supports mobile Internet and can connect to Wi-Fi;
- android version above 4.4.
The list of conditions varies slightly in different regions and depends on the bank and the payment system used.
Is it possible to pay from hours
Conclusion
This payment method is not yet quite popular in the CIS countries, but it is already working and you can use it. Every day, payment through a smartphone will gain momentum and everything goes to the fact that soon there will be no cards at all and all transactions will be carried out through your gadgets.
Of course, this method has its pros and cons. Not everyone will be able to use this payment method in the store. To do this, you need a smartphone in a newer way. And even if you have an NFS module, you can’t pay with it everywhere. That’s all we have. Thank you for your attention!
Android Pay Security
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 your 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 Android Pay is different 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.