The payment service from Google operates over the NFC protocol. Payment using the application is possible wherever contactless bank cards MasterCard, Visa, Mir are accepted. You can determine whether Android Pay is accepted for payment in the store by using the special icons of contactless payment systems: Android Pay, Apple Pay, PayPass, PayWave.

Payment security

Payment service Android Pay works on the principle of tokenization. Tokens are a special set of unique symbols that are used to secure each transaction. It is tokens that make it possible to protect the data of bank card holders.

Requirements for phones

So that your smartphone worked with Android Pay, it must also match certain service requirements contactless payments.

NFC module

One of the requirements is the presence of the module NFC in the smartphone and, accordingly, a special module in the payment terminal, where the payment is made. Android Pay is a contactless, close-range data transfer technology that allows you to pay securely with your mobile phone.

It is the presence of the NFC module in the phone that allows Android Pay to work. Therefore, before buying a new gadget, you need to check with the seller if there is an NFC module or view the technical characteristics of the smartphone yourself. There are situations when the NFC module is present in the device, but the contactless payment service Android Pay not working... Most often, this problem is solved simply - by activating the option "Wireless data transfer" in the phone settings menu.

Android operating system

The second important point is the presence updated version of the operating system. The phone must have the Android operating system version 4.4 or higher. You can find out such information about the version of the operating system in the smartphone settings menu, in the "About phone" section. Where you need to pay attention to the subsection "Version information" and "Android version".

Bank card

The last condition for the service to work is a corresponding bank card from a credit institution. The bank that provides the plastic card must work with Google payment services. If everything is in order and you have the appropriate bank card, then you can.

After adding a bank card, you can pay for purchases with one touch of your finger. The Android Pay payment service allows you to quickly and easily make purchases in stores, in Internet applications and other online services.

How to pay

Payment in mobile applications

It is even easier to pay online in mobile applications using Android Pay (including online payment is also possible from phones without an NFC module). After the desired product or service is selected, proceed to payment. With a light touch, select the function “ Pay with Android Pay"Or the logo" Android».

Cashless payments from the phone

The easy way cashless payments from a phone or smartphone is winning the hearts of smartphone owners more and more. Together with the simplicity and convenience of a service that works great, you get and has an increased level of privacy. The information about the cardholder is no longer sent to the merchant, he only receives a special code.

Now you know how the payment service works. If you still have questions, ask them in the comments, we will be happy to answer them!

In Russia, on May 23, 2017, the start of a new payment system from Android - Android Pay, took place, and the time has come to find out which phones support it.

A lot is bought all over Russia every day, which can be recognized by the logo with a green robot. However, this operating system does not need any special introduction, it is perhaps the most widespread in the world and even works.

The list of Android Pay compatible phones would be too long to be detailed in a short article. Judge for yourself, devices of many brands work on this operating system, such as:

• Alcatel
• Lenovo
• Huawei

And this is not a complete list.

To know exactly which phones Android Pay works on, you need to know what characteristics a compatible gadget should have.

Specifications

+ There are some smartphones that, even with all the above features, do not support Android Pay:

• Elephone P9000
• Evo 4G LTE
• Nexus 7 (2012)
• Samsung Galaxy Light, S3, Note III

Thus, the answer to the question, "What smartphones support Android Pei?" there will be "Almost any smartphones of recent years equipped with an NFC module", and there are incredibly many of them. Unlike analogs presented by Apple and Samsung, this payment platform will function not only on flagship gadgets, but also on devices that can be considered a little outdated. Therefore, if you are convinced that your phone supports the service, then all you need to do is

What smartphones does Android Pay work with?

Android Pay works even on low-cost models like Samsung Galaxy A3, LG G4s, Huawei P8 Lite, Sony Xperia XA

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To pay by phone, you need three conditions:

operating system version Android 4.4 KitKat or newer

NFC module for contactless payments

card emulation (HCE)

Android Pay will work even on some devices from early 2013: HTC One, Sony Xperia Z1, Samsung Galaxy S5, LG G3s and others. But not at all. For example, the Nexus 7, Galaxy Note 3 and Galaxy S3 do not have HCE. Most modern low-cost phones have NFC: Samsung Galaxy A3, LG G4s, Huawei P8 Lite, Sony Xperia XA. Still, they often do not put it on phones up to 10 thousand rubles. You cannot pay through 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 jailbroken machine, the application simply won't start. Craftsmen supposedly found a way to get around the limitation, but we do not recommend doing this on your device.

What cards are tied

At the time of launch, the system worked with debit and credit cards Visa and MasterCard from 14 banks: AK Barsa, Alfa-Bank, B&N Bank, VTB24, MTS Bank, Otkrytie Bank, Promsvyazbank, Raiffeisenbank ", Rocketbank, Russian Standard Bank, Rosselkhozbank, Sberbank, Tinkoff, Tochka Bank. Android Pay also supports the Yandex.Money system. Later, other banks and the Mir payment system (its to the already operating Apple Pay and Samsung Pay) will most likely begin to cooperate with Android Pay. In the US, an Android Pay account with PayPal with all cards connected. Perhaps, over time, such a function will appear in Russia.

Where do they pay with Android Pay

Like other systems, Android Pay works over the NFC protocol, so phone payments must go wherever contactless Visa and MasterCard payments work. There are usually PayPass, PayWave, Apple Pay, Android Pay, or contactless payment icons next to terminals. At the time of launch, Spar, Azbuka Vkusa, VkusVill, Karusel, Perekrestok, Pyaterochka, Magnit, M.video, Lenta, Metro and H&M stores announced their partnership with Android Pay , Burger King, KFC, McDonald's, Teremok, Starbucks, Double B, Shokoladnitsa coffee shops, BP filling stations, Bashneft and Rosneft. This means that in these establishments there should be no problems with payment and cashiers who refuse to accept payments from the phone. It also adds discount and bonus cards of these networks to the application.

For example, the Moscow mayor's office announced the possibility of travel by metro and the MCC for 1 ruble when buying a ticket through Android Pay. But passengers that 40 rubles are debited from the cards and no refunds are made.

How to pay with Android Pay

In the app, click on the plus, take a photo of your bank card and fill in the blank fields.

To pay with your phone, turn on NFC in the settings in the "More" section. Along with NFC, the Android Beam function will be activated to exchange information with other phones. You may not need it.

Pin the NFC icon in the notification curtain if you do not want to keep the function on and go into the settings for it every time.

When paying for goods in a store, unlock your phone (with a PIN code or a fingerprint scanner) and lean it against the terminal - after a couple of seconds, the purchase is paid. If the purchase costs more than a thousand rubles, the cashier may ask you to enter the card's PIN-code or sign.

Is it possible to pay from the watch

Huawei Watch 2 is one of the few smartwatches that support Android Pay

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Yes, but only with the LG Watch Sport and Huawei Watch 2. They meet two conditions: they have NFC and the Android Wear 2.0 operating system. But in general, NFC is rarely installed in Android watches. The module is present in Samsung Gear S3 and Sony SmartWatch 3, but the operating system has not been updated to version 2.0 on the devices. And the models that already run Android Wear 2.0 don't have NFC. To pay with your watch, download the Android Pay app for it, open it and add a card. The watch will open Android Pay on your phone to tell you which card you're going to use. To pay, launch Android Pay on the watch and attach it to the terminal.

How to pay online

How Android Pay differs from Apple Pay and Samsung Pay

Android Pay does not create or store tokens on a secure chip inside a smartphone, as Apple Pay and Samsung Pay do. He gets the 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: older smartphones and low-cost 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 through a watch). Samsung Pay supports Galaxy S6, Galaxy Note 5, 2016 A5 and A7, 2017 A3, Gear S2 and Gear S3 watches.

The other day in the Russian Federation Google finally launched its new payment system Android Pay - payment by phone instead of a card. She came to our country with a certain delay, since it was announced on May 16, and much later than in a number of other countries. In general, Android Pay has been on the market for almost two years, and Russia has become only the 11th country where this payment system has become available. By the way, competitors from Apple outstripped Google having launched its similar service Apple Pay in Russia last fall. At the same time, the Russians were able to use Samsung Pay, a payment service developed exclusively for the equipment of this Korean company.

What is Android Pay and what is it for

Android Pay is a very convenient and practical thing. Thanks to the application, you no longer need to carry all available bank cards in your wallet. You just need to bind them to Android Pay installed on a smartphone or other gadget with an operating system from Google... In the future, you can pay for goods and services using a mobile device anywhere where contactless payment terminals are installed. In this case, the Android Pay user will pay exactly as much as indicated on the price tag, since Google does not take a commission for using this service.

Which banks' clients can already use Android Pay

Now you can connect Visa and MasterCard to the Android Pay payment service Raiffeisenbank, Bars Bank, MTS–Jar, VTB 24, Sberbank, Alfa-Bank, Rosselkhozbank, jar Tinkoff as well as the bank Discoveries along with its satellites Rocketbank and Dot... Also service partners are B&N Bank, Promsvyazbank, bank Russian standard and Yandex money... However, in this case, only MasterCard cards can be connected to Android Pay. In the future, Google promises to expand the list of banks whose cards can be connected to Android Pay.

Which mobile devices can I install Android Pay applications on?

The Android Pay payment system can be used on all mobile devices equipped with operating systems Google starting from Android KitKat (4.4) and newer. However, it is worth remembering that the smartphone must be equipped with an NFC chip. This technology is intended for wireless data transmission over a short distance and it is this technology that allows a mobile device to interact with a payment terminal.

In addition, Android Pay will not work if the smartphone does not have an official firmware of the operating system, and root access is also installed. The latter allows the user to dig deeper into the device's software. Not to like Android Pay, and the unlocked bootloader is the bootloader. All these restrictions are necessary for the security of payments and to prevent fraudulent activities with the user's bank cards.

How can I connect a bank card to Android Pay

First, you need to go to the Google Play Store and download the Android Pay application from there.

After the application is installed and launched, it itself will offer to add a bank card. At the same time, if the user has previously connected any card to his personal account in Google, then it will be enough just to enter the CVV code into Android Pay.

If the card is added for the first time, then it will be necessary to enter the card number, its expiration date, CVV-code and the owner's address into the payment service using a smartphone camera or manually. After that, the bank will send the user a verification code, the introduction of which will complete the operation of connecting the card.

Paying by phone is a very simple procedure, just bring your smartphone to the terminal.

Where can I pay with Android Pay and what is needed for this?

In Russia, you can pay using Android Pay in all major retail chains, chain establishments, as well as in many other places where there are payment terminals. For instance, Sberbank plans to equip more than 1 million such devices with contactless payment system by the end of this year. It is easy to understand whether or not to make a payment using a smartphone - you just need to pay attention to the presence of such symbols:

In order to make a payment, you just need to bring the switched on mobile device to the terminal for a moment. After that, in case of a successful operation, a map image and a warning about the planned operation will appear on the smartphone screen. Most often, you will not need to enter your PIN. This operation will need to be performed only in the case of the settings of the bank itself or the payment amount over one thousand rubles.

In case more than one card is added to Android Pay, then you will need to select the base one, which will be used by default. To select another bank card, before using it, you will have to go to the application and inform the device about it.

Android Pay for payments in online stores and applications

Android Pay allows you to shop online and pay for services in some mobile apps. To do this, you need to use the mobile version of the Google Chrome browser. Now in Russia a similar option is available in Lamoda, OneTwoTrip, Rambler / Kassa, Afisha. When you try to make a payment, a special button will appear on the screen that says "Pay via Android Pay". A little later, the number of available services will expand - there will be Delivery Club, Kinohod, Ozon, Yandex.Taxi and a number of other applications.

Loyalty card bonus

The Android Pay application also allows you to deposit various gift and bonus cards. This is a very useful function, since sometimes the number of such promo cards is in the tens. In order to connect such cards, you just need to point the phone camera at its barcode. After that, in order to receive benefits on the bonus card, it will be enough to show it to the cashier on your mobile device. By the way, Android Pay will also prompt the user about nearby stores, whose cards are included in the application.

Are payments safe with Android Pay?

In company Google vouch that all Android Pay payments are completely secure. The fact is that this application does not use information about the connected cards, but only a virtual copy is transmitted to the seller when paying. Nevertheless, the real data on bank cards are stored on the servers of the Google.

In addition, when installing Android Pay, the user adds protection, disabling which will lead to the complete removal of all card data. In case of loss of a mobile device, the data from the payment service can be destroyed through the special Android Device Manager service.

The volume of mobile payments in Russia is growing rapidly. Smartphone payment technology simplifies and speeds up financial transactions. Google also did not stand aside, which launched its payment service - Android Pay on May 23, 2017. Let's see what Android Pay is and how to use it.

What is Android Pay

Android Pay is a kind of virtual wallet that allows non-cash payments for goods and services using a smartphone running the Android operating system. The bank card of one of the system partners bank, registered in the payment service and tied to the application in the smartphone or other mobile device that supports the technology, acts as a means of payment.

To make a payment, just bring your smartphone to a POS terminal that also supports NFC. In the absence of NFC terminals, payment will have to be made with a card.

How to use Android Pay to pay

To use the payment service, the following conditions are required:

1. NFC contactless device. The presence of NFC is indicated by the corresponding abbreviation on the back cover of the device, or you can see it in the Android settings " Settings> Wireless & networks>NFC»
2. The device must be running Android 4.4 or higher.
3. For security reasons, the device should only have official firmware, and there should not be an unlocked bootloader.
4. The presence of a partner bank card. You will not be able to register a card of another bank.

If all the conditions are met, then you can link the card in the payment service. If at least one of the requirements is not met, it will be impossible to work with the payment service.

How to link a card to Android Pay

At the time of publication of this article, the following banks work with Android Pay:

• Sberbank;
• Yandex money;
• VTB 24;
• B&N Bank;
• Tinkoff;
• Alfa Bank;
• AK Bars;
• Opening;
• Rosselkhozbank;
• Raiffeisen;
• Dot;
• Russian standard;
• Rocketbank;
• MTS Bank;
• Promsvyazbank.

To link a card of one of these banks, follow the instructions:

1. Find and install the Android Pay app on Google Play.
2. Open the app. If you already have a map linked to your Google Paly account, you can select it. If there is no binding or you want to register another card in the service, then manually enter the requested data.
3. Accept the terms of the payment service and the bank that issued the card.

   

   

4. Wait until your card is validated.
5. For security purposes, the application will ask you to install a screen lock if you do not have one. This is a reasonable requirement: if someone gains access to the phone in case of theft or loss, they will not be able to use your money. Although the blocking can be removed using some methods, you have already disconnected the card from Android Pay at this time.

   

   

6. In the process of registering a card in the service, a verification SMS will be sent with a code that must be entered into the appropriate field of the application.

   

   

In the process of linking the card to the service, a verification debiting of funds in the amount of 30 rubles will occur from it, which after a while will be returned back to the card. Don't be alarmed.

After completing all the steps, you will be able to fully use the Android Pay services.

How to remove a card from Android Pay

If you want to remove the linked card from the payment service, you can do this in two ways:

How to pay using Android Pay

Paying with Android Pay is as convenient and simple as possible. Before paying, unlock the screen, make sure NFC is turned on. Then just bring your smartphone to the terminal (you do not need to launch the application) and follow the instructions on the terminal. When paying up to 1000 rubles. You do not need to confirm the purchase with a pin code. Wait for confirmation of successful payment and pick up the phone. When the mobile bank is connected, an SMS message will be sent about the balance on the card. The payment service does not take any commission or subscription fee.

Safety

During payment using Android Pay, card data is not transmitted, a one-time code is transmitted, which, even if intercepted, is of no value to an attacker.