Android pay

[trmiv]

That's the problem, it doesn't work anywhere I frequent. None of the local places around my work we go to for lunch support it. Only one of the grocery stores that I go to supports it. Doesn't work at Target, Best Buy, Home Depot, Lowes Home Improvement, Petsmart, etc. So although I really like it the times I can use it, it's just so limited.

 

[mnewsham]

does Samsung's MST tech work with gas pump card readers?

I don't believe so, I live right outside of washington DC and don't own a car so I haven't tested it myself. But I believe those style readers require a physical card to be inserted for the reader to attempt to read a card, if you could fool the machine into thinking you were inserting a card and then pressed your phone against it, it in theory would work. But for now I don't believe it would work unless the pump were equipped with an NFC pay reader, in which case samsung pay would switch to NFC for the transaction.

It has the same issue with ATM style readers.

 

[WelshBloke]

Don't have it here so I can't try it.

On the plus side all our cards are chip and pin and contactless payments are pretty much everywhere.

What happens if something goes wrong with a purchase? Do you have the same level of protection as using a credit card? I can easily dispute payments for any reason with a credit card, how's that work with Google pay?

 

[trmiv]

You're still using a credit card, so any dispute resolution would be the same. For a card to work in Android Pay it has to be supported by the bank or company providing it. When I put my cards into Android Pay I had to confirm it with it code via text or email. Also after it was added I immediately got emails from Citibank and Amex confirming my card was added to Android Pay. So with it fully supported by your card provider, it's the same as using your regular credit card.

 

[WelshBloke]

You're still using a credit card, so any dispute resolution would be the same. For a card to work in Android Pay it has to be supported by the bank or company providing it. When I put my cards into Android Pay I had to confirm it with it code via text or email. Also after it was added I immediately got emails from Citibank and Amex confirming my card was added to Android Pay. So with it fully supported by your card provider, it's the same as using your regular credit card.

I'm still using my credit card for PayPal payments but I can't dispute things purchased with that with my credit card company.

 

[soccerballtux]

Android Pay is Google's direct response to Apple Pay from a year ago. It almost entirely eliminates Google's middleman role (this was a major privacy/security concern with Wallet) and makes tap-to-pay easier on Android than it was before.

they're so stupid. If they had pushed it harder when NFC and Wallet came out and required all phones to have NFC, they'd have stolen the market from Apple.

 

[soccerballtux]

Yeah, same here. Cards are not such a hassle that I need to start doing payments by phone. What I'm waiting for is for digital driver's licenses to become a thing so that I don't have to carry a wallet at all. Then I would (have to) use my phone.

they will as soon as chip-and-pin hits. Chip is way too slow. Awkward 15 seconds.

 

[Raduque]

they will as soon as chip-and-pin hits. Chip is way too slow. Awkward 15 seconds.

I have chip and pin on my USAA Amex. The one and only place I tried to use it, the chip reader wasn't working. Most places have the all-in-one terminals - chip, swipe or NFC. As long as those are still in place (and most places have only put them in within the last 3-4 years) I doubt chip and pin will be as widely used, unless card issuers start giving people cards without the magstripe.

 

[Dulanic]

I have chip and pin on my USAA Amex. The one and only place I tried to use it, the chip reader wasn't working. Most places have the all-in-one terminals - chip, swipe or NFC. As long as those are still in place (and most places have only put them in within the last 3-4 years) I doubt chip and pin will be as widely used, unless card issuers start giving people cards without the magstripe.

Places will start forcing it due to the liability shift in October. My local Walmart already asks for me to put it in the slot when I swipe.

 

[trmiv]

I'm still using my credit card for PayPal payments but I can't dispute things purchased with that with my credit card company.

That isn't the case with Android Pay. Since Google has made agreements with the credit card companies, it's the same as using the card. For example here is the text of the email I just received from American Express about Android Pay

Now, you can add an eligible American Express® Card to use with Android Pay™ so you can pay on the go with your Android mobile device. With Android Pay, tap to pay when you check out at merchants that accept American Express contactless payments.

As a Card Member using Android Pay with an eligible American Express Card, you get the same safety, security and customer service you have come to expect from American Express. You also get all the benefits and rewards from your Card when you use Android Pay."

 

[gorcorps]

How the hell is this any different from the Google pay we already have?

I think they just rebranded and retooled it. I've used google wallet before and now it's Android Pay. There's still a google wallet app but it's different now (and people are bitching about the change in the reviews)

 

[soccerballtux]

I have chip and pin on my USAA Amex. The one and only place I tried to use it, the chip reader wasn't working. Most places have the all-in-one terminals - chip, swipe or NFC. As long as those are still in place (and most places have only put them in within the last 3-4 years) I doubt chip and pin will be as widely used, unless card issuers start giving people cards without the magstripe.

Swipe is going away

 

[Commodus]

they're so stupid. If they had pushed it harder when NFC and Wallet came out and required all phones to have NFC, they'd have stolen the market from Apple.

In a sense, Google's nature was what hurt Wallet's chances. Google is an internet services company, so of course its focus was on making itself an 'essential' part of the payment process. And since Wallet was conceived at the height of Andy Rubin's Android (when openness trumped everything), there was no way it was going to require NFC on many Android devices, let alone all of them.

Apple's strategy definitely has its limitations (far fewer device choices, for example), but it's well-suited to mobile payments. Focus on ease of use, not getting your cut; guarantee that every phone going forward will get to use it; reassure people that their transactions are secure. I'm curious to see how widely adopted Android Pay will be, but it does hit some of those marks.

 

[dawheat]

I don't believe so, I live right outside of washington DC and don't own a car so I haven't tested it myself. But I believe those style readers require a physical card to be inserted for the reader to attempt to read a card, if you could fool the machine into thinking you were inserting a card and then pressed your phone against it, it in theory would work. But for now I don't believe it would work unless the pump were equipped with an NFC pay reader, in which case samsung pay would switch to NFC for the transaction.

It has the same issue with ATM style readers.

Yeah I don't believe it'll work with any reader that has a physical trigger like most gas station pumps. Of course if they support NFC, that's fine but if it's only the insert magstripe reader, you'll have to pull out your card or go to the register.

But acceptance is Samsung Pay's biggest advantage right now - with it working at over 30 million merchants (compared to less than 1 million NFC enabled merchants) - basically anywhere you have access to the reader.

If they'd only get out of beta and open up to my Citi cards, I'd be able to switch to it 100% and delete Android Pay.

 

[cpacini]

I can't get it to work with my phone due to root, which pisses me off to no end since I used Google wallet all the time. Thank you Google for making my phone less functional.

 

[WelshBloke]

That isn't the case with Android Pay. Since Google has made agreements with the credit card companies, it's the same as using the card. For example here is the text of the email I just received from American Express about Android Pay

That's reassuring anyway.

I'd still like others to test it out first so I can hear about any potential problems before I use it. Which isn't really a problem as Google haven't released it here.

Personally I think that Google have fucked up by basically giving Apple the entire phone payments market in most of the world.

 

[shabby]

I can't get it to work with my phone due to root, which pisses me off to no end since I used Google wallet all the time. Thank you Google for making my phone less functional.

Which phone do you have? Try these tips http://forum.xda-developers.com/google-nexus-5/general/android-pay-custom-rom-t3199843

 

[cpacini]

Which phone do you have? Try these tips http://forum.xda-developers.com/google-nexus-5/general/android-pay-custom-rom-t3199843

Nexus 6. The root cloak xposed module didn't help, I was able to load cards by disabling root, but can't get it to actually work at a store.