How to use pay.  Android Pay: how it works and how to use it?  How to pay with Android Pay

How to use pay. Android Pay: how it works and how to use it? How to pay with Android Pay

Free download Android Pay available in the Google App Store on Play Market. Immediately after the launch in Russia payment system Android Pay, software appeared in the app store, which is installed on all Russian smartphones with the corresponding Android operating system version 4.4 and higher.

App support

On new devices android pay app installed initially. But if you already own an Android smartphone and are not going to change your phone in the near future, then the payment application can be easily found and free of charge. download android pay.

Problems

However, not always after downloading the installation file (Apk) of the contactless service to the smartphone, the application will install and work correctly. For contactless payment from the phone on the device, you must have an installed OS version of at least Android 4.4 and a special NFC module. This module is available on almost all modern mobile devices. But when buying a new phone, it does not hurt to check with the seller for support for applications for contactless payment from the phone.

How to find and download Android Pay

Android Pay- this is a regular application that is downloaded from the PlayMarket store, like any other application on your smartphone. There shouldn't be any problems with it. The installation procedure is standard and does not require specific actions with a smartphone.

How to install

Installing Android Pay on your phone is as follows:

  • Open the PlayMarket app store or follow the link Play.Google.com;
  • Through the search in PlayMarket, find the Android Pay application;
  • Click on the "Install" button;

During the installation of the application on your device, there will be additional requests to grant access to the payment application to smartphone data: contacts, current location, camera and other identification information. This information is used for the correct operation of the Android Pay contactless payment system. Android Pay may work.

After pressing the download button, the program is installed on the mobile device, and the corresponding shortcut will appear on the main page of the phone - Android Pay.

Possible mistakes

Among possible problems with the installation of Android Pay, you can highlight the error that appears when downloading from PlayMarket. It means that the program is not compatible with the smartphone and the application cannot be installed.

If the Android Pay application is installed, then you need it and then you can make purchases in stores by paying with your smartphone.

If for some reason you need to remove or disable Android Pay, read the instructions in which we told.

Bank cards quietly entered our lives, became part of Everyday life. A few years ago, payments without the use of cash seemed to be something unusual. And today everyone has at least 2-3 cards in use.

At the same time, progress does not stand still. Contactless payment services are becoming more and more popular every day. They can be used to aggregate required cards in a smartphone that is always with you. In the meantime, the original plastic can be put away in a safe place to avoid damage or loss.

On May 23, 2017, Android Pay, a contactless payment service from Google, began working 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.

How to install Android Pay

Installing and configuring Android Pay is a simple procedure that even a novice user can handle.
  1. First, make sure that your smartphone is equipped with NFC using a special application.




  • Read the terms and conditions of the issuing bank carefully.

  • To use the service, you need to activate a secure screen lock.


  • The last step is card confirmation via 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 new card. This will require all the details: card number, expiration date, security code and payment address of the holder. The number can be taken automatically using a photo, but the quality of recognition leaves much to be desired.

    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 Pay

    Paying with Android Pay is really convenient! The only requirement for the terminal is support contactless cards PayPass/PayWave. Already today, old-style terminals are the exception rather than the rule, and every day there are fewer of them.

    Required for payment bring a smartphone with an activated display to the POST terminal. The 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, information about the location of the terminal is also attached.


    The practical application 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 easier to pay for services online, the need to enter card data manually every time will disappear by itself.

    Residents and guests of the capital have the opportunity to pay for the metro and MCC using a smartphone. Despite the fact that initially there was talk of fares at the level of 35 rubles per trip, the fare is 40 rubles, as in the case Apple use pay. The Moscow City Hall also "Travel by metro or MCC for 1 ruble in the first month", however, at the last moment, the conditions changed, the actual discount is 50% of 40 rubles. In practice, the new feature is unstable, presumably due to incompatible validators. And the lucky ones who paid for the subway through a smartphone report the invalidity of the proposed action.







    An extremely useful feature is the aggregation of discount and gift cards. The list of partners includes not only large networks, 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 cursory acquaintance with the capabilities of the service, a logical question arises about its security. After all, payment is made literally with one touch, it seems that illegal access can be obtained just as easily. But this is far from true! Android Pay has been running for over two years in the US, UK, Australia and some other countries. When launching the service in our country, all the accumulated experience is used, which allows us to avoid unforeseen situations.



    How Android Pay works

    The mechanics of the operation of such systems deserves special attention. Payment security is the basis of modern services! The data of the entered cards is not explicitly stored 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 impression, which becomes useless apart from mobile device, which eliminates the threat of data theft. Temporary tokens are used to communicate with the terminal, and any operation is confirmed by the issuing bank. Theoretically, the data intercepted during payment does not contain important information and is intended for one-time authorization.

    Also, do not be afraid of an unauthorized payment by touching a portable terminal on a smartphone. A switched off smartphone will detect the terminal, which will notify you with 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 the safe limit of 1000 rubles.

    No matter how reliable the system is, no one is immune from errors, including large corporations. Therefore, additional precautions will not interfere. rule a separate card for online purchases fully applicable to contactless payment services. A special account with a small amount of pocket money is the best way out. Transfer additional funds through Personal Area bank, if necessary, is not so difficult, and the consequences of losing the main card can be irreparable!


    Superuser rights in combination with Android Pay completely shifts the responsibility for the safety of data to the user. By default, the application is blocked on hacked smartphones, security systems are used for verification safety net. Therefore, blocking bypass in this situation is a matter of chance, there is no unambiguous technique. Wherein, it is strongly not recommended to use the service on jailbroken devices, the consequences can be unpredictable!

    Conclusion

    The launch of Android Pay in Russia is yet another confirmation that a new era is dawning in the world of payments. Contactless payment is really worth a try, especially in summer season when you do not want to carry something extra with you, 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, many promotional campaigns are expected in the near future to popularize, because each of us loves pleasant bonuses and discounts!

    After you have downloaded, installed, tied bank card and set up Android Pay, you can proceed to pay for goods with Android Pay. To pay for a purchase using the contactless payment system Android Pay, you no longer need to take complex steps, you just need to follow the simple rules of Android Pay payment.

    How to pay Android Pay

    Need to prepare mobile phone(enable it and remove the screen lock if it is set). It is not necessary to launch the Android Pay payment app.

    • Position the phone so that the back of the mobile device is parallel to the terminal;
    • At the time of payment, on the display of the mobile device, you need to press the "Credit" button, even if a debit bank card is used;
    • You may need to enter a special code. This usually happens when paying with a debit card.

    The charge is made from the card that was initially selected for the Android Pay application.

    How to change the card

    In the Android Pay application on the phone, several credit cards can be linked, including those from different banks. To select the desired card in Android Pay, you need to unlock the phone and go to the Android Pay application. After that, the application selects desired map. In the gadget item on the screen, the menu “Make the card the main one” is pressed and all the steps indicated above are repeated to pay for the goods.

    Possible mistakes

    Wake up your phone

    contactless system Android Pay may crash. When problems arise, the main thing is to know how they are solved. One of the most popular problems can occur when the phone is positioned correctly in relation to the terminal, but payment does not occur. In such a situation, you need to bring the smartphone out of the standby state, unlock screen. The Android Pay payment app is optional.

    Change the location of your phone

    If the antenna does not work NFC module, try changing the location of your phone. Do not remove the gadget from the terminal too quickly. It is recommended to wait a few seconds, sufficient for the system to work and make the payment. After the green flag lights up on the display, you can remove the phone from the terminal.

    The appearance of a green flag does not always mean a successful Android Pay payment. If the phone starts to vibrate, it means that the payment terminal has failed to receive data. Contact the cashier for help. You may need to try making the payment again. If the phone gives information about the need to enter a PIN code, requesting a card with a chip, this means that the terminal does not support Android Pay. In this case, a regular bank card must be used for payment.

    Refusal to accept a card

    If the card is rejected, you need to contact the servicing bank, as Google does not have information on transactions and status loan products. You can learn more about possible errors when using Android Pay on our website.

    How to make online purchases

    Today it is easy and very convenient to buy through mobile applications. The payment goes through when you select the one-touch mark “ Pay with Android Pay” or a logo depicting a recognizable robot. The security of payments using Android Pay is maintained by transmitting a unique digital code. The seller does not receive personal data. At the same time, the service does not require entering the PIN code of the card. Therefore, the confidentiality of your credit card information is maintained.

    Started working in Russia on May 23, 2017. It's time to find out which cards will cooperate with the application.

    Initially, there were only cards of American banks, because the USA is the country where the service began its work. In addition, the application will work with cards from banks in the United Kingdom, Ireland, Singapore, Japan, Poland and a number of other countries.

    In Russia, Android Pay supports payment Visa systems and MasterCard.

    As for our country, after the service was launched in Russia, and Google entered into partnership agreements with, you can add Master Card and Visa cards to the application. And in the future, it will be possible to add "World", so, at least, representatives of those organizations that have already announced future cooperation with Android Pay promise us.

    Banks cards that are supported cards that are not supported
    Sberbank
    • all debit and credit cards MasterCard and Visa, except Maestro and Visa Electron
    • Maestro
    • Visa Electron
    VTB 24
    Alfa Bank
    Russian Standard Bank
    • MasterCard debit and credit cards
    • Diners Club
    • American Express
    • MasterCard prepaid cards
    Raiffeisenbank
    • MasterCard and Visa (consumer debit and credit)
    • corporate and cards for small businesses;
    • cards issued jointly with other companies
    • Visa Electron
    • special corporate cards Visa which are intended only for use at ATMs.
    Bank opening"
    • Visa and MasterCard (debit and credit)
    • cards that are only for use at ATMs
    • gift
    • nameless prepaid cards
    • emergency savings cards
    • medical savings cards.
    Rocketbank
    Dot
    • MasterCard debit cards
    • corporate cards for entrepreneurs MasterCard and MasterCard Corporate
    Rosselkhozbank Mastercard:
    • standard
    • Instant Issue
    • Platinum
    • Premium Black Edition
    • Premium World Elite
    • MasterCard starting with 5364 09
    • corporate and virtual cards
    Yandex money
    • all MasterCards
    BINBANK
    • MasterCard - debit and credit cards issued by Binbank (including MDM Bank) and BINBANK Digital JSC.
    • corporate cards
    • Visa debit and credit cards
    Tinkoff
    • Visa and MasterCard (debit and credit cards)
    Promsvyazbank
    • MasterCard (debit and credit cards)
    • Visa (debit and credit cards)
    "AK BARS" Bank
    • Visa and MasterCard (certain types of debit, credit and prepaid cards)
    • Visa Electron
    • Cirrus/Maestro
    • nameless prepaid cards
    MTS Bank MTS:
    • smart money
    • Money Contribution
    • Money Weekend
    • standard
    • Platinum
    • Black Edition
    • classic
    • Platinum
    • Infinite
    • Visa Electron
    • Maestro
    • gift
    • corporate
    • personalized prepaid cards.

    How to add a card to the application

    The date of the official launch in Russia of the payment service from Google - Android Pay happened on May 23, 2017! Owners of smartphones on the operating system of the same name are happy and, of course, are wondering which devices this service works on.
    The list of devices that support Android Pay is quite extensive, and this is its advantage over analogues focused on only one brand.

    Android Pay compatibility with your gadget

    Your gadget will be fully compatible with if it supports only two components. It:

    1. Operating system Android version KitKat4 and higher. This version successfully functions on models of almost any brand released after 2013. You can view the version of your operating system in "Settings" by selecting the "Device Information" sub-item. For more details, read on with us.
    2. The developer version of Android won't work either.
    3. The next item will be the presence on your or another Android gadget of a module that is responsible for contactless data transfer (NFC module). If you don’t know for sure whether there is such a function on, say, a phone, you can clarify the information in its technical specifications. In addition, on some smartphones and tablets, the contactless data transfer function must be enabled additionally in the settings. Read about it in our article.
    4. You do not need to have a rooted smartphone. Also, Android Pay cannot be installed on a smartphone with an unlocked bootloader. Thus, Google strives to protect customers from fraudsters: devices with an unlocked bootloader are less secure. For information, see our information. Everything is possible 😉
    5. The phone must not have the Samsung MyKnox app installed.
    6. The device must be certified by Google.

    And then there are some phones that seem to fit, but still use on them. payment service will not work:

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

    Well, that's all, agree - a little. To date, Android gadgets with the appropriate characteristics are about 40%. That is, in addition to almost any smartphone or tablet of the latest generation, the service can also be downloaded, for example, to a phone that was released in 2014. And them in any point of sale, where contactless payments are accepted, and there are a great many of them today. If you want to know - go to the relevant article.