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... 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. It is enough just 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 mobile device anywhere where contactless payment terminals are installed. Wherein android user Pay will pay exactly what is indicated on the price tag, since Google does not charge commission for use 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 designed for wireless data transmission over a short distance and it is it 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 software devices. 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 from there Android app Pay.
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 to his personal account to Google any card, 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 with your 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 example, 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, if the operation is successful, a map image and a warning about the planned operation will appear on the smartphone screen. Most often, you will not need to enter a 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 applications... For this you need to use mobile version Google browser Chrome. Now in Russia this 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 - Delivery Club, Kinohod, Ozon, Yandex.Taxi and a number of other applications will appear.
Loyalty card bonus
The Android Pay app also allows you to deposit various gift and bonus cards. 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.
Moreover, for Android installation Pay, the user adds protection, disabling which will lead to complete removal all map data. In case of loss of a mobile device, the data from the payment service can be destroyed through a special service Android Device Manager.
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 allow you 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 technology for transferring data over short distances, while allowing you to pay securely using 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 it yourself specifications smartphone. 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 transmission data ".
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. Billing android service Pay allows you to quickly and easily make purchases in stores, online 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!
The number of electronic payments made is constantly growing. Such transactions are as safe, convenient and fast as possible. The global IT giant Google has also launched its service. It is called Android Pay or Google pay... Shall we figure it out today? how to use this payment system and, accordingly, the application from Play Store.
This service is an electronic wallet with which you can make purchases on the Internet or in simple stores using the NFC contactless payment service. The system works thanks to the application installed on your Android smartphone. Naturally, it must contain a Near Field Communication module.
All you need to do is bring your smartphone close to the payment terminal and the transaction will be carried out automatically.
Program installation
Before you start working with Google Pay, you need to install the corresponding application on your phone. Let's figure out how to do it:
- We find the Play Store on our Android (maybe in the application menu, on home screen or in one of the folders) and tap on its icon.
- In the search bar located at the top, write the name of the application and, as soon as the issue appears, click on the marked element.
- On the home page of the program, we need to press the big green button labeled "Install".
- We are waiting for the apk file to be downloaded. It weighs only 6MB, so it will take a few seconds to download.
- The program is installed and can be started. This can be done directly from the Play Store or by using the shortcut on the Android desktop.
Note: If the Android Pay shortcut does not appear on the home screen, look for it in the applications menu.
- As a result, the installation process is completed and we just have to press the button marked in the screenshot when the program is first launched.
How to link a card
Before we get down to business, you should know that not all banks or cards can be used in this payment service. For example, in our case, it was possible to bind a card of the "Universal" type, but "For payments" was rejected. Sberbank of Russia may work differently.
You can find out if your card is supported in Android Pay by calling the bank or contacting its online consultant. We go directly to the map binding:
- Open the program and click on the "Maps" icon (marked in the screenshot below).
- Next, select "Add card".
- If you see a map already present, skip it. Our task is to add a new one, so click on the button labeled "Continue".
- Further more interesting: a special scanner will open that reads data from our card. It is important to place it clearly within the borders of the frame, only then the reading will take place.
Attention: more or less good lighting is necessary for the scanner to work properly.
- When the data is read, we need to enter the expiration date and CVC code. When this is done, click "More".
- We indicate the address of our residence and tap on the marked button.
- As a result, again scroll the contents of the window to the very bottom and click "Save".
- Next, we will be shown the working conditions, or rather, a link to them, and offered to accept the license. We do this by tapping on the button marked below.
- We need to wait for the completion of the verification process of our card.
- We will be notified that in some cases, you will need to unlock the feature to use payments.
- Once the card is successfully authenticated, it will need to be confirmed via SMS as well. Select the phone you are using and click "Continue".
- We are told that the code that will be received in the message can be substituted into the required field automatically. If you agree with this, click the "YES" button.
- The password was received, it was automatically registered in the field provided for this, and the system is waiting for us to press the marked button.
As a result, we see the map added to Android Pei. The goal has been achieved.
Sometimes you may need to remove a card from this service. Below we will explain how this is done.
How to remove a card
So, to detach your payment card from Google Pay, do the following:
- Open the program, switch to the "Maps" tab (located in the lower right part of the window) and tap on the desired map.
- From the menu that is on this screen, select the "Delete" item.
- The system will once again ask you to confirm our intention. If you agree, then click "Delete".
Voila! The map disappeared as if by a wave magic wand... She is no longer on the list.
So, we figured out the maps. Now you can move on to the rest of the points related to Android Pei.
How to use
Before proceeding to the instructions for working with Google Pay, here are a number of characteristics that a smartphone should have:
- module availability wireless communication NFC. You can find out about the presence of the function on the network by finding the characteristics of your gadget. Also, this is often written about on the back cover of the device;
- the operating system of the phone must be Android 4 or higher;
- for complete safety, your phone should not be, and its bootloader should remain locked.
If at least one of the requirements is not met, you will not be able to use the service.
We turn to the instructions for using Android Pei:
- Make sure the store you want to purchase from supports contactless technology. This is evidenced by a special badge on the sign, doors, etc.
- It is unnecessary to open the application when paying - just unlock the smartphone screen and bring it to the terminal. Keep holding the gadget until a corresponding notification appears on its screen.
After that, the purchase will be completed and the funds will be withdrawn from the account.
In some cases, you will also need to enter a PIN code on the terminal.
A few words about safety
The data of cards used in Android Pay is stored exclusively on Google servers and their safety is guaranteed by the reputation of the IT giant. In this case, payment is made without using personal data. A special temporary cipher is generated, which is communicated to the seller of the product or service.
This does not mean the need for a constant connection to Google servers. The code is formed in advance and is stored in the phone's memory. Some phones, such as Apple or Samsung, have a special memory area that is used to store such data. No one other than Android Pay can access such memory.
If we talk about the shortcomings, more precisely, the inconveniences of the technology, we can only note the following: the number of security keys (tokens) is limited and when they run out and there is no connection to the network, the process may stop. In addition, in any case, you will also have to enter a password, PIN-code or put your finger on the scanner with every purchase.
If security is violated and protection from the phone is removed, all codes in the gadget's memory will be instantly deleted. If your phone is lost, you can use a special WEB service that will allow you to delete all data about cards and transactions from your phone.
How to enable Android Pay on a jailbroken phone
As we said before, Google Pay does not work on phones with Root or unlocked bootloader. Such devices are called jailbroken. But what about users who want to have custom firmware or Root and still enjoy the contactless payment function? It's simple - you need to trick the application and make it think that the OS is not jailbroken.
This is done using the Magisk application. The program consists of two parts. This is a firmware patch and a mode manager. The essence of working with the utility is to flash the patch via Recovery and install the appropriate APK. As a result, the program starts, and you specify applications in the menu that should "think" that there is no root.
Errors that may occur
The most important issue that worries users when working with Android Pei is instability on Xiaomi phones. This problem exists not only on Xiaomi - it was also noticed on Meizu. The reason lies in the installation of custom firmware, which users use to Russify Chinese versions of the OS. You can solve the issue by installing the official ROM.
The second problem or, most likely, inconvenience is the return of the purchased item. The fact is that your personal data is hidden, but if you want to return the product, you will have to find the terminal from which the purchase was made.
Conclusion
Now you know how to use the Android Pay (Google Pay) service. We talked in detail about linking a payment card, about deleting it and about working with the function itself. If after reading the material you still have questions, ask them in the comments - as far as possible, we will try to help everyone.
Video instruction
And how to understand if it supports Android phone We will tell you about Pay in this article.
Android operating system
V modern world there is a constant increase 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 others famous brands... When choosing a mobile device to guarantee Android Pay, 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 installed version Android for developers.
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 section " Wireless networks". 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. Official version 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 possible fraudulent schemes. If you are not worried about this, 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 see the list of others possible problems why the Android Pay payment service is not working on the phone:
- Android bootloader must be unlocked;
- Android Pay does not work if installed Samsung app My Knox;
- 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:
- Samsung Galaxy Light
- Samsung Galaxy S3
- Samsung Galaxy Note III
- Nexus 7
- P9000 Elephone.
Phones supporting Android Pay
Almost any modern telephone 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!
Most recently, in May of this year, Russians were able to familiarize themselves with the technology of contactless payments on phones running the Android operating system. The main competitors Apple Pay and Samsung Pay started six months earlier, but the huge coverage of devices that support Android Pay can play into the hands of Google and help it win a new audience. In this article, we will consider a new application for Android smartphones... How does Android Pay work, how it differs from its competitors, is it safe to use it, and what difficulties users of the service have to face.
System requirements
First, you need to find out which devices Android Pay works on. Google's requirements are not too high. An NFC chip must be installed on your phone (for making payments) and Android version 4.4 (to install the Android Pay application). It seems that everything is simple, but in fact there are a number of restrictions that can interfere with turning on android Pay:
- Firstly, the service works only on those gadgets that are operated by official firmware(developer versions and less popular builds are not supported).
- Secondly, there is a list of smartphones on which Android Pay cannot be enabled. These are Elephone P9000, Samsung Light and S3.
As for the terminals, everything is pretty simple. Any terminal that supports PayPass or PayWave technology is suitable for payment. Such terminals are installed in almost any, even not the most prestigious store or point of sale.
What banks and cards does it work with?
Just like with other payment systems, Android Pay was launched with only a part of banks operating in Russia. Fortunately, among them are all the most popular institutions that are in great demand: Raiffeisen Bank, Russian Standard, Rocketbank, Otkritie, Sberbank, Tinkoff, a number of other lesser-known organizations and a payment service from Yandex ". The situation with stores is no worse. Almost all popular retail chains have shown interest in new technology and pledged to support her work. This is quite natural, since these same networks are already working with Apple and Samsung.
How to connect?
We figured out which phones Android Pay works on, now you need to connect this service. If you have already paid for any of Google services and linked your bank card to account Google, then by installing the Android Pay application, you will immediately find them in the list. If there are no linked cards, you will have to enter all the details yourself. Built-in scanner can be used credit cards, but he is often mistaken with the number (it is not clear why Google could not bring the technology to mind).
Before you add a card, do not forget to set a password on your device, otherwise Android Pay will respond with an error and prevent you from paying anything. After adding the card, you will need to confirm it. You can confirm the card using an SMS code or by calling the bank's technical support service and confirming that you are connecting your card to a mobile payment system. You will be charged 30 rubles for confirmation, but after a while they will be returned.
Security
Your card data is stored on Google servers and is securely encrypted on them. For payment, not your real details are used, but specially formed sets of numbers - tokens. This does not mean that you need a constant connection to the servers to work. No, tokens are created on servers, but then uploaded to each individual device and stored there until some payment is made. Apple and Samsung devices have a separate physical space for storing tokens, which significantly increases the level of security. Plus, Android Pay, one way or another, will ask for Internet access when the device runs out of tokens, which is a significant drawback.
To complete each purchase, you will have to enter a password, key-code or put your finger on the fingerprint scanner (it all depends on which method of protection is used on your phone). If you disable any of the blocking methods, then all data relating to your bank cards will be destroyed. If the gadget is lost or stolen, you can remotely erase the information about the linked cards. In general, you shouldn't worry about safety.
How does Android Pay work?
When working with terminals and paying for purchases in the amount of 1,000 rubles or less, it is enough to turn on the display of the gadget and attach it to the terminal. In the case of larger amounts, you will need to enter a password or put your finger on the fingerprint sensor. You can also use smartwatches to pay.
Android Pay works both in physical retail outlets and online. Many people do not go to stores at all and make purchases on websites or in apps, so Google has taken care of introducing the technology there as well. For Android Pay to work on the site, technology support from the resource owner is required. The buyer needs to find a button with green robot and the inscription Pay and click on it. Immediately after that, it will be redirected to the application itself, where, as in the case of payment in real life you will need to release the lock and confirm the operation. That's all, the site or the application will instantly understand that the order has been paid and will issue it.
Possible problems
The most popular question on the Web after the launch of the payment system is “why does Android Pay not work for Xiaomi”. The problem really exists, and all owners of Chinese gadgets faced it. Yes, Android Pay doesn't work on Meizu either. The reason lies in the international firmware that users install in order to translate the interface language into Russian.
Another problem faced by users is the return of goods. The fact is that the token hiding your details will be saved only for one terminal, and in order to make a refund, you will have to look for exactly that terminal.
Promotions and discounts
The launch of each payment system is accompanied by discounts and promotions that are designed to popularize the service among the masses and make people try it at least once. Among the promotions known today, it is worth highlighting a 50% discount on travel in the Moscow metro. 50% discount on the Aeroexpress ticket and the same discount on the purchase of any burger in the Burger King fast food chain. It all works in the following way - you pay the full cost for a ticket or any other product, and after some time, half of the amount is returned to your card. This means that in the absence of the required amount, you will not be able to use the promotion.
How do I enable Android Pay on a jailbroken phone?
The owners of some devices, on which an unstable or jailbroken version of the operating system is installed, encountered a number of problems when entering bank card details. The fact is that Google (for security reasons) prohibits the use of financial applications in any Android systems other than the original one. The problem can be solved by cheating Android program Pay. To do this, you need to hide information about the hacking of the system from her. So, first you need the Magisk Manager utility, which will allow you to install and update the Magisk program. After opening the Magisk program, find the Magisk Hide item in it and activate it. Restart the gadget and re-enable Magisk Manager. A list of programs from which you can hide the fact of hacking will appear. Find Android Pay and turn it off. Once you do this, restart your device and try using the payment system again. Just in case, check if Android Pay works with your phone (maybe Magisk won't help).
Instead of a conclusion
So what do we have? Another payment system that was launched too late or a really worthy product that people will like? Rather, the second, because with its army of fans, Google can easily compete on an equal footing with Apple and Samsung (given the fact that Android Pay works both on Google's own devices and on devices from Samsung). And people themselves are ready for a new step in this direction. Bank cards this is convenient, but the younger generation is much more likely to hold a smartphone in their hands, which means that they will be more willing to pay with it. Discounts also played an important role, it is possible that promotions will be repeated, and the interest of users will be actively heated up for a long time.
Service advantages:
- A huge number of devices working with Android Pay.
- Various payment protection options.
- Discounts and promotions.
Cons of the service:
- Doesn't work on jailbroken devices.
- Payment tokens are stored only on Google servers.