Bank cards quietly entered our lives, became part of everyday life. A few years ago, cashless payments seemed unusual. And today at least 2-3 cards are in use.
At the same time, progress does not stand still. With each passing day, contactless payment services are becoming more widespread. With their help, you can aggregate all the necessary cards in a smartphone, which is always with you. In the meantime, the original plastic can be removed to a safe place to prevent damage or loss.
On May 23, 2017, Android Pay, a contactless payment service from Google, began to work in Russia. Unlike competitors, the new application supports all smartphones and tablets with OS version from Android 4.4 KitKat, as well as watches on Android Wear 2.0! To make payments, the device must be equipped with NFC .
Already at the start of Android Pay works with Visa and MasterCard. The list of partner banks promises to expand every day, more detailed information on the official website
How to install Android Pay
Installing and configuring Android Pay is a simple procedure that even a novice user can handle.
- First, make sure that your smartphone is equipped with NFC using a special application.
Download and install the latest version of Android Pay.After launch, the application will offer a list of maps tied to your Google account.Carefully read the terms of the issuing bank.To use the service, you need to activate a secure screen lock.The last step is the confirmation of the card using SMS or a call to the call center.
Attention! After adding a new card, a test payment of 30 rubles will be debited from it. After some time, the money will be returned to the account.
You can also add a new map. This will require all the details: card number, expiration date, security code and billing address of the holder. The number can be removed automatically using a photograph, however, the quality of recognition is poor.
Unfortunately, performance on some smartphones is not guaranteed. In particular, the service is not available on Xiaomi devices, including those with official firmware and a locked bootloader.
How and where to use Android PayPaying with Android Pay is truly convenient! The only requirement is made to the terminal - support for contactless PayPass / PayWave cards . Already today the terminals of the old type are the exception rather than the rule, and every day there are less and less of them.
To pay, you need to bring a smartphone with an activated display to the POST terminal . A transaction can be performed offline, without an internet connection. If the payment amount exceeds the safe limit of 1000 rubles, you will have to unlock the device and enter the traditional PIN-code.
Unlike traditional cards, the service provides detailed information about each transaction, and terminal location information is also attached.
The practical use of Android Pay is not limited to cashless payments. Using a special API, application developers can integrate a new payment method. Which in the future will make it possible to simplify the payment for online services, the need to enter the card data manually each time will disappear by itself.
Residents and guests of the capital have the opportunity to pay for travel by metro and MCC using a smartphone. Despite the fact that initially it was a question of tariffs at the level of 35 rubles per trip, the fare is 40 rubles, as in the case of using Apple Pay. Moscow Mayor’s office also announced the campaign
“Travel by metro or MCC for 1 ruble in the first month”, but at the last moment, the conditions have changed, the actual discount is 50% of 40 rubles. In practice, the new function is unstable, presumably due to incompatible validators. And the lucky ones who paid for the metro via a smartphone report the invalidity of the proposed promotion.
An extremely useful feature is the aggregation of discount and gift cards. The list of partners includes not only large chains, but also small regional stores. In addition to emulating contactless cards, the system is able to simulate a barcode for reading directly from the display.
How secure is Android Pay?After a quick acquaintance with the capabilities of the service, a logical question arises about its safety. After all, payment is carried out literally in one touch, it seems that unauthorized access can also be obtained simply. But this is far from the case! Android Pay has been operating in the USA, Great Britain, Australia and some other countries for more than two years . When starting a service in our country, all the accumulated experience is used, which helps to avoid unforeseen situations.
Android Pay Scheme
Of particular note is the mechanics of such systems. Payment security is the basis of modern services! The data of the entered cards are not stored explicitly directly in the device’s memory; a special remote storage has been created for them. At the disposal of the smartphone is only an electronic cast, which becomes useless separately from the mobile device, which eliminates the threat of data theft. To communicate with the terminal, temporary tokens are used, and any operation is confirmed by the issuing bank. Theoretically, the data intercepted during payment does not carry important information and is intended for one-time authorization.
Also, do not be afraid of unauthorized payments by touching a portable terminal on a smartphone. A turned off smartphone will detect the terminal, which will be notified by vibration, however, to make a payment, you will need to activate the display. Or enter a password and PIN code if the payment amount is more than a safe limit of 1000 rubles.
No matter how reliable the system is, no one is immune from errors, including large corporations. Therefore, additional precautions do not interfere. The rule of a separate card for online purchases is fully applicable to contactless payment services. A special account with a small amount for pocket expenses is the best way out. Transferring additional funds through the personal account of the bank, if necessary, is not so difficult, and the consequences of losing the main card may be irreparable!
Superuser rights in conjunction with Android Pay completely shift the responsibility for data security to the user. By default, the application is blocked on hacked smartphones; SafetyNet security systems are used for verification . Therefore, bypassing the lock in this situation is a matter of chance; there is no unique technique. At the same time, it is highly recommended not to use the service on hacked devices , the consequences may turn out to be unpredictable!
ConclusionThe launch of Android Pay in Russia is another confirmation that a new era is coming in the world of payments. Contactless payment is really worth trying for yourself, especially in the summer season, when you don’t feel like carrying something extra, including traditional means of payment.
Android Pay as a service looks quite attractive, primarily due to the wide coverage of user devices at the start. It is worth recognizing that NFC is a common feature in the android world. In addition, in the near future many promotional companies are expected to be popularized, because each of us loves nice bonuses and discounts!