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Using your smartphone as a wallet: How Apple Pay and Android Pay work

By: 14/11/2016

This article has been viewed 810 times

Apple Pay and Android Pay

The convenience of contactless card payments is very satisfying, however, now, you can leave your wallet or purse at home and use ApplePay or Android Pay to make payments.

Instead of using your credit or debit card, you can now pay with a smartphone and finger print. The iPhone 7 is equipped with Apple Pay, as are its 6, 6S and SE predecessors, rather than paying with a physical card, using Apple Pay, you simply hover your iPhone near the card reader, ensuring that your finger print is on Touch ID and you can even use your Apple Watch. It’s easy to be sceptical about such technology, as you want to ensure that your card details are secure but when using Apple Pay, your card details are never shared by Apple, thus it is a safe and private way to pay.

Many places requiring payment are now on board with Apple Pay, Transport For London (TFL) who operate the Oyster card now accepts it. Apple Pay even allows you to make payments online, with several leading online retailers now accepting it. Staples has recently announced that Apple Pay is now available on its mobile site.

Like Apple Pay, Android Pay, the all new Google Wallet is a mobile wallet that allows you to store your credit cards, debit cards and even loyalty cards. For Android Pay, your smartphone must be running with Android 4.4 or above and must have a near field communication (NFC) chip, whilst most recent devices do carry this, OnePlus2 does not, though the mightily impressive Galaxy S7 Edge certainly does. Unlike ApplePay, a fingerprint is not required in order to use Android Pay and you can do by simply unlocking your device. To start using Android Pay, you can download it from the Google Play Store and then simply insert your credit or debit card details within the app, or if you are adding a new card from any participating bank, you can take a picture of it and the phone will do the rest. And now, you’re good to go. Android Pay is accepted in many stores across the UK, pretty much anywhere contactless payments are accepted, including places you are likely to visit daily such as Boots, Costa, KFC, Starbucks, McDonalds Waitrose and many others.

And like Apple Pay, Android Pay doesn’t actually store any of your bank details on your smartphone. Instead, it creates a sort of virtual card that has access to your account, and each payment is in a single separate transaction that never shares any such information with the retailer. However, although the ability to use the service without a fingerprint may alarm you, particularly if you lose your device, there is no need to panic and you won’t need to frantically cancel your credit or debit card. If your phone does happen to be lost or stolen it shouldn’t be accessible as Android Pay requires the handset to have a password or fingerprint login to be installed. You can also use Android Device Manager to lock your device from anywhere, and either secure it with a new password or wipe it clean of any personal information. Similarly, Apple Pay will be automatically suspended once a device is placed in Lost Mode.

 


Category: Features

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