App for android pay. Android Pay: how does it work and how to use it? How to remove a card from Android Pay

And how to understand if the phone supports Android Pay, we will tell you in this article.

Android operating system

In the modern world, there is a constant growth in the sale of mobile devices from different manufacturers. In Russia, devices running on the Android operating system are especially popular. The official logo of the Android OS and its trademark is a bright green robot, easily recognizable on many devices and even smartwatches. Today, devices under control Android are the most popular in the world.

Which manufacturers are launching their Android smartphones? The list of companies is very large. This includes manufacturers such as:

  • Samsung;
  • Xiaomi;
  • Acer;
  • Sony;
  • Lenovo;
  • Alcatel;

and many other well-known brands. When choosing a mobile device so that Android Pay is guaranteed to work, you need to pay attention to its technical characteristics.

Features to support Android Pay

For you to be able to use the contactless application using your phone, your smartphone must meet the following conditions:

1. Android operating system version. OS must be at least Android 4.4. Android Pay will also not work on devices with the developer version of Android installed.

2.The presence of the NFC module in the phone. The NFC module is designed to transfer data from a smartphone to a payment terminal. If you are just going to buy a smartphone, then it is advisable to check its availability with the seller or look it up yourself in the phone settings menu, in the "Wireless networks" section. For further work with Android Pay, the NFC module must be activated; you can also do this in the "Settings" - "Wireless networks" - "NFC" menu.

3. The official version of Android. Phones and other Android gadgets that have a third-party operating system installed or have superuser (root) privileges will not work with Android Pay. This is a prerequisite by which Google tries to protect its customers from potential fraudulent schemes. If you are not worried about it, then on our website you can find information on installing Android Pay on a rooted phone.

Android Pay doesn't work

If Android Pay does not work then check the list of other possible problems why the Android Pay payment service does not work on the phone:

  • Android bootloader must be unlocked;
  • Android Pay does not work if the Samsung My Knox app is installed;
  • A smartphone to work with Android Pay must be certified by Google. Android Pay is not supported on non-Google certified phones.

What devices does Android Pay not work on?

Despite the suitable specifications, some phones will still not support the Android Pei contactless payment system. Android Pay not supported on the:

  • Samsung galaxy light
  • Samsung Galaxy S3
  • Samsung Galaxy Note III
  • Nexus 7
  • P9000 Elephone.

Phones supporting Android Pay

Almost any modern phone with an installed NFC module and a modern version of Android OS (above 4.4) will work with Android Pay. Apple and Samsung also released analogs of contactless payment service Apple Pay and Samsung Pay, which have their own advantages and disadvantages.

Check the specifications of your mobile device. If everything is in order, you can, and then you can start making convenient contactless purchases!

If you have any problems with Android Pay, leave comments!

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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4 out of 4

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.

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According to the basic principles of work, Android Pei practically does not differ from competitors. This contactless service also requires the phone to run Android 4.4 or higher, and also support the NFC near-field communication function.

Of the devices available on the market today, the list of supported devices is small. These are mainly the latest models of phones in the top and middle price range. Among them are Samsung Galaxy (A3, A5, A7, J5, J7, S7, S8), Xiaomi Mi5, LG (K6, G3s, G4s), Huawei Honor and Sony Xperia in the price range over 12 thousand rubles. Unfortunately, on popular low-cost phones like Samsung Galaxy J1, Asus ZenFone Go, Meizu, HighScreen, Dexp, Phillips. Over time, support will appear on cheaper devices, but the older models, of course, will not work.

The main difference between Android Pay and competing payment systems Apple Pay and Sansung Pay is that for the service to work, a smartphone does not need to have a fingerprint scanner, and you can go through authorization through a good old PIN code or a graphic password.

In addition, it works on all contactless payment terminals. No additional protocol support is required.
Well, one more significant plus - with the help of Android Pai, you can pay for purchases of applications and content on Google Play.

Which banks does Android Pay support

The Android Pay payment system in Russia was launched on May 23, 2017 and at the time of launch it works perfectly both with MasterCard cards and Visa, which is more familiar to Russia. The electronic payment system "Yandex.Money" is supported, as well as new cards of the "Mir" system should start working in the near future.
Currently 14 banks are supported:
- Sberbank
- Alfa Bank
- BinBank
- VTB 24
- Opening
- MTS-Bank
- Promsvyazbank
- Raiffeisenbank
- Rocketbank
- Rosselkhozbank
- Tinkoff
- Russian standard
- AK Bars
- Dot
In the near future, the list of counterparties will be significantly expanded.

How to install Android Pay on your phone

The application installation procedure is simple and no different from other applications. We go to Google Play, find the program:

press the "Install" button and wait until the program is installed.

Then go to the phone settings and select the "More" item in the "WiFi and networks" section.

Here you need to check the NFC box. Along with this, the Android Beam function is also activated, which is responsible for data transmission.
That's it, now the application can be used.

Attention! The Android Pei program cannot be used if the bootloader is unlocked on your phone and root rights are obtained. The error "Android Pay is not supported on this device" will be displayed. It looks like this:

True, on the forums I met information that the restriction was bypassed, but I could not come across real examples.

Is it safe?

In fact, using Android Pay on your phone is much safer than Apple and Samung counterparts, although the protection is top-notch on them. When you bring your smartphone to the terminal, a special one-time key 16 characters long is transmitted over a wireless radio channel. This is the so-called token that is generated in the Google cloud and comes over the Internet connection. That is, they are not generated on the device itself.

You can, of course, use the service without an active connection to the global web, but then the phone will use the keys stored in its memory. Also, a phone number and information about which payment network is used - MasterCard, Visa or Mir is transmitted to the terminal. No data about the card itself is sent.

How to add a card

Launch the program and click on the "Add credit or debit card" button. Then you need to point the camera at your card and take a picture of it so that the application reads the data. Next, you will need to manually enter the CVC code (on the back of the card) and the owner's address. Next, you will need to go through a check at the bank and enter the code received via SMS.

You can add a card to Google Android Pay several times. In this case, you will need to specify the one that will be used by default.

How to use Android Pay to pay

In order to pay for purchases using a phone with a connected Android Pay service, you just need to unlock the phone and bring it to a terminal that supports contactless payment. Usually they are indicated by the following stickers:

Note: In modern supermarkets, large retail chains such as Magnit, Auchan, Perekrestok, Karusel and other network companies, most of the old terminals have already been replaced with modern ones that are able to conduct contactless payments. Including PayPass.

The Google payment system has another convenient function - online payment for purchases on the Internet through a web browser. That is, if you need to buy something, you press the button and voila - the payment has been made! In the future, a similar button will be integrated into other applications. For example, now it is already in Yandex.Taxi, Uber, Wildberries.

It is possible to use Android Pai with a smart watch. But then again, they have to support NFC technology. For example, Samsung Gear S3, Huawei Watch 2, LG Wath Sport. The second requirement is that the operating system must be updated to Android Wear 2.0.

You will love it - if you can use it.

Google has finally launched its payment system, similar to the familiar Apple Pay. Both payment methods use NFC technology to operate a smartphone with a banking terminal and should make our life easier.

Is it so?

Installation: it's easy for someone, never for someone


The first thing I did useful on the morning of May 23rd was to install Android Pay. Since my ZTE Axon 7 has NFC and installed official firmware(despite the purchase of a smartphone in China), there were no problems during installation and the first launch.

Unlike many of my friends who use "gray" devices - especially often on the fly Xiaomi. A detailed experiment showed that the Android Pay application may not work in the following cases:

  • using unofficial firmware (including CyanogenMod);
  • using system modifications affecting the bootloader (patches);
  • using a modified bootloader (TWPR or similar);

    • unlocking the bootloader in the system settings (menu "For Developers") or in another way (including the official unlocking of Xiaomi);

  • installation of an unofficial version of the operating system (modified "firmware from the seller");
  • the impossibility of determining the location in Russia (in MIUI and some other systems).

Android Pay security on your fingers


The app has checked if the screen lock is on. The information is picked up from the smartphone settings, there is no two-factor authentication at this moment. Therefore, if the payment was once made from a Google account, you will not need to enter anything - and the common problem with the address will go away by itself (I haven’t come across, honestly).


Unlock screen when paying bills up to 1000 rubles not required, just turn on the backlight. Amounts over 1000 rubles require authentication with a password, pattern, or fingerprint.


To write off funds, you will need an Internet key for the operation is created in the Google cloud storage. Notifications are instant if there is a connection - and the card can be blocked, canceled, or at least contact technical support.

UPD: The Internet is not required at the time of the operation - the keys are stored for up to 1 hour.

Cards and accounts: everything is possible


The next step towards conquering contactless payments with an Android smartphone was the addition of a card. The list of banks working with Google in this direction is still small, although sufficient for most users. Mir cards are not yet supported, the application allows you to add only Visa or Mastercard with CVV / CVC code.


The cards of Alfa Bank, Sberbank, Rocket and Tinkoff (the latter with a zero balance) were attached without any problems. B&N Bank's Visa did not get attached.

UPD: According to the official representatives of B&N Bank, at the moment their Mastercard is working with the application.

There are 3 ways to add:

  1. from your Google account, if the relevant data was saved in it - additional confirmation with the card code will be required;
  2. using a scanner - you need to point it to the card number, then the application will do everything on its own;
  3. manually by entering the card number and specifying the issuing bank.

When adding, you will need to confirm the operation by entering the verification code from SMS (do not forget about the corresponding service). After that, the issuer will force you to read the conditions for issuing the card.

Yes, you heard right - by linking the card to Android Pay, we are actually issuing an additional virtual card with the corresponding legal conditions!


If you dig into the document, it turns out that such a payment method is as secure as similar plastic means of payment - and given Google's security system, it is probably even better.

Bonuses and partners: how the app will replace the wallet


The app contains a wide list of Google partner stores. But already now, for all stores from the list, you can add loyalty program cards, which you can use right at the checkout. With a proviso:

Bonus and gift cards can only be added if they have a barcode on them.

Therefore, my old card "Killfish" remained offline, but "Gulliver", "Vita" and "KB" are now only in a smartphone.


Later Android Pay can be use for in-app purchases - after the developers of these apps implement a button to pay. In the meantime, none of the announced Russian stores so far offers such a service.

Smartphone instead of a map in a small town


Lenta was the first of the stores to test its functionality. Surprisingly, the seller at the checkout tried to help with payment. The line froze in anticipation.

The experiment failed: neither launching the application, nor direct contact of the smartphone with the terminal, nor attempts to move the Axon over it were successful. Several more attempts at partner stores also failed.

And then I turned off the unlocked bootloader in the settings. And away we go.

A further walk through his native Ulyanovsk showed that society is already accustomed to paying with a smartphone. Nobody bothers, in case of malfunctions or malfunctions - they try to help.


Fortunately, the latter practically does not happen due to the buyer's fault. In the algorithm “turned on NFC, put the smartphone to the terminal for a few seconds, waited for the payment message”, it is impossible to be mistaken.
If there is an SMS service of the issuing bank, a standard text message will come - and, moreover, without comments about using the card via Android Pay.

Problems can only be in the absence of communication - and such cases, through their own fault, should be avoided for now. Google warns that the payment can go through in a few minutes. What to do in practice in the event that you had to pay in cash and the money was debited from the card is not yet very clear (in contrast to cards).


You can actually pay for your purchase using Android Pay in any payment terminal with NFC support (supporting wireless payment) and corresponding markings on the body or screen:

And this does not depend on the store, the seller, the product or the amount of the check. Whether it's a large supermarket or a tiny farm store: I was able to pay with my smartphone at all the wireless card-enabled terminals I met in 3 days.

Tip: It's better to experiment for the first time in large partner stores in order to avoid the embarrassment of setting up the application.


There is no automatic use of loyalty cards when paying. First, you need to scan the image of the card on the smartphone screen or touch the appropriate terminal - and only then pay using a banking machine.

Some technical points


Keep in mind that Android Pay is not a built-in feature of the system, like Samsung Pay or Apple Pay. This is a separate application that you need to download and install from the Play Market.

After installation, it constantly hangs in the background as a system process. True, taking up an insignificant amount of RAM. And the total power consumption with NFC is completely imperceptible.

It is worth remembering that not every smartphone will work. Looking for:

  1. operating system Android 4.4 and later;
  2. NFC module for contactless communication;
  3. support for technology card emulation (HCE).

Otherwise, the installation will fail. And if the presence of a root or a modified system for Android Pay can be hidden, the absence of one of the above requirements will invariably lead to rejection. Despite the fact that these conditions are indicated on each fence, many complaints about the operation of the service are associated with these violations.

Android Pay can be used on smartwatches. At least officially. But this will require Lg watch sport and Huawei watch 2 as the app only installs on Android Wear 2.0 and requires an NFC module. Only the two specified models meet these conditions.

This is a smartphone wallet application that can store bank card data. Thanks to the application, you can make contactless payments in stores and on the Internet without entering your bank card details. This makes payments fast. You do not have to show your bank card at the checkout. If the purchase is over 1000 rubles, you will need to enter a pin code.

How to download?

While Android Pay can be used by cardholders of these banks:

  • "AK Bars"
  • Alfa Bank
  • B&N Bank
  • VTB 24
  • MTS Bank
  • Bank opening"
  • Promsvyazbank
  • Raiffeisenbank
  • Rocketbank
  • Russian Standard Bank
  • Rosselkhozbank
  • Sberbank
  • Tinkoff Bank
  • "Dot"
  • Yandex money

The list of banks will be expanded soon. If your bank is not there, then keep an eye out.

The app can be downloaded to a smartphone that supports Android 4.4 and above, as well as a watch with Android Wear 2.0. This means that if your phone was released in 2013 or later, then it will support the program. It is important that the phone has an NFC chip - thanks to it, contactless payments are made.

According to Google representatives, if the device allows, then it can simultaneously use Android Pay, and.

Installing the app:

  1. Go to the Google Pay store and download.
  2. Open the app. Take a photo of the map and include your home address.
  3. Read and confirm the terms of use of the application, as well as confirm the bank card details with the code from the SMS message.

The installation procedure takes two minutes. Then you can hide the card between the towels in the closet and pay with your smartphone.

How to pay?

It is necessary that the NFC option be activated on the smartphone (sometimes it is disabled due to rare use). If there are several cards in the wallet, then you can choose the one with which it is more profitable to make a purchase. If there is one card by default, then you do not need to enter the program, but simply bring your smartphone to the terminal, as you do with ordinary cards that support contactless payment.

Payments with Android Pay can be made in most payment terminals, but not in all. All terminals, according to representatives of Google, will go to contactless within the next 2-3 years.

Just in case, carry one card or cash with you for places where only chip cards or cash are accepted.

Android Pay is definitely accepted on these networks:

To use Android Pay, it is important to connect the data transfer option on the smartphone. At the same time, payments are possible if the phone is not connected to the Internet for several hours. The duration of the disconnect between connections depends on the bank, explained in Google.

It's safe?

Google says yes. AndroidPay is based on tokenization technology. Its essence is in encrypting data about a bank card and its owner. Instead of all the information, one number appears. Even if a fraudster intercepts him, he will not be able to do anything.

If the smartphone is lost, then the wallet can be blocked using the option. You can also call the bank and block the card.

The loss of a bank card is more dangerous than the loss of a smartphone with Android Pay.

Livers and bonuses

Residents and guests of Moscow using Android Pay will be able to ride the metro with a 50% discount until June 23, 2017. “When paying for metro and MCC fares using Android Pay, the trip will cost passengers 50% less. First, the cost of the ticket (40 rubles) will be debited from the card, and within 10 minutes 50% of the cost of the trip will be returned to the account, "- said in a message on the website of the mayor of Moscow.

The first 3000 Aeroexpress passengers can get a 50% discount on a ticket at the Standard fare. The bonus is valid when buying a ticket at a turnstile at Moscow airports. You won't be able to save money on family travel - one device with Android Pay - one ticket.

Nothing is known about the benefits for users from other regions of Russia. Their appearance depends on banks, which will promote Android Pay in the cities of their presence.

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