What do you need to use Android Pay? How Android Pay works

Hello everyone, in this article we will talk about the Android Pay tool, which can make contactless payments. Let me remind you - work payment system began on May 23 and is supported by Sberbank. There are other services, of which there are more than ten. So, how do you use Android Pay to purchase goods?

What cards and phones does Android Pay support?

First, you need to understand which phones and services support the specified application. Because many people run to install it, but in the end nothing works.

Contactless payment is, of course, supported by Sberbank, so when you come across a payment terminal, you can almost always make a purchase from your smartphone. Of course, this type of payment is not yet very widespread, but everything is getting there. The list also includes the following banks: VTB24, Rosselkhozbank, Tinkoff Bank, Promsvyazbank, Otkritie, B&N Bank, Raiffeisenbank, Ak Bars Bank and others.

The program itself supports devices equipped with the NFC function. It won't be possible to do it without it. As for the operating system, the version must be at least 4.4. There have also been cases, including mine, where the payment system does not function on a flashed phone. You will see a message that the firmware is not the official one. Root rights must also be turned off.

How to understand that the terminal supports contactless payment

It’s very simple, there is a special icon on the reader that says PayWave, PayPass or something similar. Also, many stores already have such devices, if you are not sure, then ask the seller, he should know.

How to link a card to Android Pay

Go to the application and click on the plus sign. There will be several menu options from which you select – Add a credit or debit card. Please pay attention to other points. You can add gift cards or loyalty cards.

By selecting the first option, the next section opens. There you press " Add a map».

Using your camera, you can scan the card number (you need to bring your phone up). In this case, the card number must be convex. Or add it manually.

Unfortunately, I can’t show this with a screenshot, since the application prohibits this!

If the card type is not supported, a corresponding message will be displayed. For example, it will not be possible to add UEC cards.

There is a connection with the bank, then the card is verified and eventually a message appears about the screen being locked. That is, you are required to provide at least minimal protection, for example, a PIN code or fingerprint.

The next stage is confirmation. An SMS with a code should be sent to your phone number. Enter a six-digit number. Now you will receive a message indicating that the card has been successfully linked to the device.

Android Pay - how to use it in the store

So you linked your card, came to the store and wanted to buy something and pay using your phone. Check in advance whether it is enabled. Usually it is located in the system options in the section wireless networks, or in the notifications menu.

Next, we unlock the smartphone and, if the payment terminal has the following icons, then it is enough to bring the phone close to the device, almost close. If the payment is completed successfully, you will see a corresponding notification on the screen.

Some banks may require you to enter a PIN code into the terminal. It depends on the parameters of the terminal. Usually, if you buy for more than a thousand rubles, you will need to enter a PIN code, but this is only in Russia.

In the application, it is possible to add several cards and select one as the main one. You will make transactions with it.

How to Add Gift Cards to Android Pay

Besides credit cards You can add gift and bonus options that provide certain discounts.

For example, I have a Read-City card that gives a small discount when buying books. I add this card to Android Pay like this:

Let's now try to scan the Tutankhamun card. We do the same procedure. Enter or scan the barcode on the back of the card and press the “ Save».

Pay by the hour

If you have a watch with the Android Wear operating system version 2.0, you can pay for purchases by installing Android Pay there. Of course, this is rarely practiced in Russia. And only Huawei Watch 2 or LG Watch Sport devices are supported. You can also pay from other hours, provided that the system is updated to version 2.0.

Payment and adding a card is made using the same method as on a smartphone. To pay, just bring your watch to the terminal.

Is it possible to pay with Android Pay on the Internet?

Certainly. The only point here is the presence of a special function (button) in the online store, which allows you to pay for what you need in one click. There are still few services that implement this opportunity.

How safe is contactless payment using this method?

Regardless of what device you pay for or what device you take your phone to, your card numbers and data about you will not be transferred to anyone, since the devices receive a one-time key that is valid for one transaction. This code is unique for each purchase. To prevent data loss, you need to lock your phone with at least minimal protection - a PIN code, graphic key. It is desirable to have a fingerprint scanner.

In the end, we can only say one thing: no matter how you pay, there is always a small risk of losing some amount. Using cards is also not safe, and paying online is also not always safe. But you shouldn’t doze off when performing such operations.

What else can you use besides Android Pay?

There are many alternatives, for example, the long-known Samsung Pay For those who have Apple technology, there is an alternative - Apple Pay. The Meizu Pay payment system was recently released.

Now you know how to use Android Pay to pay for goods in stores where this is possible. Good luck everyone!

Using Android Pay is an opportunity to make purchases conveniently and in a safe way. Read on and you will learn how to pay for the things you need in stores and online applications using the Android Pay service.

How to pay using Android Pay in a store

So, you are in the store and are about to make a payment for the selected product using the Android Pay service. What you need to do for this:

Thus, the payment is made from the default card.

How to change the main card?

You can add several cards from different banks to the application, and here are your actions if you need to pay for a purchase with an additional card:

• Unlock your smartphone
• Go to the Android Pay app, select and tap the card you want to use at the moment
• Click "Set card as primary"
• Next, follow the steps described in the previous instructions.

Errors when paying with Android Pay and what to do about them

Let's look at some problems that may arise when paying in store. If you encounter them, it’s okay, everything can be fixed.

You touched the device to the terminal, but payment does not occur

• Forgot to wake up the phone from sleep mode. You don't need to open Android Pay, but your smartphone must be unlocked.
• The NFC antenna did not pick up the signal. Just try changing the position of the phone relative to the terminal.
• The smartphone was removed from the terminal too quickly. The operation is carried out within a few seconds, but still give a little time if this does not happen immediately. Wait for the green flag to appear.

You can find out about other problems and ways to solve them in our other article.

The smartphone began to vibrate and a green flag appeared on the screen

This reaction means that Android Pay sent payment information, but the terminal did not accept it for some reason. You can ask the cashier for help and try again.

You need to pay with a card with a chip, enter a PIN code

This means that the store does not accept payments through the application; you can only pay with a regular card.

Card declined

IN in this case Only the bank will help, since Google support does not have information about the reasons for the rejection of cards or any transactions on them.

How to pay via Android Pay online

To pay in apps, just one touch of your finger will confirm your payment. Look for the mark “Payment with Android Pay” or a picture of a green robot.

Security of Android Pay transactions

The basis of transactions carried out through this service is the formation of a unique digital code, which is transmitted to the seller instead of your card data. Thus, confidential information will be inaccessible to anyone except yourself.

The number of electronic payments made is constantly growing. Such transactions are as safe, convenient and fast as possible. Global IT giant Google also launched its service. It's called Android Pay or Google Pay. Will 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 ordinary stores using the NFC contactless payment service. The system works thanks to an 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.

Installing the program

Before you start working with Google Pay, you need to install the corresponding application on your phone. Let's figure out how to do this:

1. Find the Play Store on your Android (can be in the application menu, on the home screen, or in one of the folders) and tap on its icon.

1. In the search bar located at the top, write the name of the application and, as soon as the results appear, click on the marked element.

1. On the program's home page we need to click the big green button that says “Install”.

1. We are waiting for the APK file to be downloaded. It is only 6 MB, so it will take a few seconds to download.

1. The program is installed and can be launched. You can do this directly from the Play Store or using a shortcut on the Android desktop.

Note: If the Android Pay shortcut does not appear on your home screen, look for it in the application menu.

1. As a result, the installation process is completed and all we have to do is press the button marked in the screenshot when we first launch the program.

How to link a card

Before we get started, you should know that not all banks or cards can be used in this payment service. For example, in our case, we managed to link 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 by Android Pay by calling your bank or contacting their online consultant. We go directly to linking the card:

1. Open the program and click the “Maps” icon (marked in the screenshot below).

1. Next, select “Add card”.

1. If you see a card already present, skip it. Our task is to add a new one, so we click on the button labeled “Continue”.

1. Then it gets more interesting: a special scanner will open, which reads the data from our card. It is important to place it clearly within the frame, only then will reading occur.

Attention: for normal operation The scanner needs more or less good lighting.

1. Once the data is read, we need to enter the expiration date and CVC code. When this is done, click “More”.

1. We indicate the address of our residence and tap on the marked button.

1. As a result, we scroll the contents of the window to the very bottom again and click “Save”.

1. Next, we will be shown the working conditions, or rather, a link to them, and will be offered to accept the license. We do this by tapping on the button marked below.

1. We need to wait for the verification process of our card to complete.

1. We will be notified that in some cases you will need to unlock the feature to use payments.

1. Once the card is successfully authenticated, it will need to be confirmed via SMS. Select the phone you are using and click Continue.

1. We are informed that the code that will be received in the message can be inserted into the required field automatically. If you agree with this, click the “YES” button.

1. The password has been received, it is automatically written in the field provided for this, and the system waits for us to press the marked button.

As a result, we see the card added to Android Pay. The goal has been achieved.

Sometimes you may need to remove a card from of this service. Below we will tell you how this is done.

How to remove a card

So, to unlink your payment card from Google Pay, do the following:

1. Open the program, switch to the “Maps” tab (located in the lower right part of the window) and tap on the desired map.

1. From the menu located on this screen, select “Delete”.

1. The system will once again ask you to confirm our intention. If you agree, then click “Delete”.

Voila! The card disappeared as if by magic. She is no longer on the list.

So, we've dealt with the cards. Now you can move on to other points related to Android Pay.

How to use

Before moving on to the instructions for working with Google Pay, here are a number of characteristics that a smartphone should have:

• availability of module wireless communication NFC. You can find out about the presence of the function online by finding the characteristics of your gadget. This is also often written about on back cover devices;
• operating system Phones must be Android 4 or higher;
• For complete security, 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.

Let's move on to the instructions for using Android Pay:

1. Make sure the store you want to purchase from supports the technology contactless payment. This is indicated by a special icon on the sign, doors, etc.

1. There is no need to open the application when paying - just unlock the smartphone screen and bring it to the terminal. Hold the gadget until a corresponding notification appears on its screen.

After this, 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

Card data used in Android Pay is stored exclusively on Google servers and their security is guaranteed by the reputation of the IT giant. In this case, payment is made without using personal data. A special temporary code is generated, which is communicated to the seller of the product or service.

This does not mean that you need to constantly connect to Google servers. The code is generated in advance and 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 else except 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 each purchase.

If security is compromised and the phone’s protection 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 card and transaction data from your phone.

How to enable Android Pay on a jailbroken phone

As we already said, Google Pay does not work on phones with Rooted or unlocked bootloader. Such devices are called jailbroken. But what should users do who want to have custom firmware or Ruth and still enjoy the contactless payment function? It's simple - you need to trick the application into thinking that the OS is not hacked.

This is done using the Magisk application. The program consists of two parts. This is a flashable patch and mode manager. The essence of working with the utility is to flash the patch via Recovery and install the corresponding APK. As a result, the program starts, and in the menu you specify applications that should “think” that there is no root.

Errors that may occur

The most important issue that worries users when working with Android Pay is instability on Xiaomi phones. This problem exists not only on Xiaomi - it has also been 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 returning 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 Android service Pay (Google Pay). We talked in detail about linking a payment card, deleting it, and working with the function itself. If after reading the material you still have questions, ask them in the comments - we will try to help everyone as much as possible.

Video instructions

Relatively recently, domestic consumers had the opportunity to familiarize themselves with contactless payment technology on a phone running under the control of Android OS. The main competitors of Apple Pay and Samsung Pay became known in the local market a little earlier, but the wide range of devices supported by Android Pay can play into the hands of Google and win a large audience. How to use AndroidPay, how it differs from analogues, is it safe to use, and what difficulties will users of the service encounter?

System Requirements

Initially, you should clarify which devices Android Pay works on. Google's requirements are not very high. The user's device must have an NFC chip (to make payments) and Android version 4.4 (to install the application in question). However, there are certain restrictions that can interfere with the application launch time:

• The service operates only on a device that operates under the control of official firmware (versions for manufacturers and little-known assemblies will not be supported).
• There is a list of products that cannot run Android Pay (Nexus 7, Elephone P9000, Samsung Galaxy Note 3, Galaxy Light and S3).

Regarding the terminals, everything is quite accessible here. For payment purposes, any terminal that supports PayPass or PayWave is suitable. Such terminals are installed in almost any, even not the most prestigious, markets or points of sale.

What banks and cards does it work with?

In addition, as in the situation with other payment systems, Android Pay started only with a part of banking institutions that operate in Russia. Among them are the most common institutions that are in high demand:

• Raiffeisen Bank.
• "Russian Standard".
• "Rocketbank".
• "Opening".
• Sberbank.
• Tinkoff.

Other, less popular organizations and payment service from Yandex.

The situation with markets is also good. Almost every widespread retail chain shows interest in new technologies and undertakes to support the operation. This is natural, since these networks already support Apple and Samsung.

How to install Google Pay

When the device meets each requirement, then you only need to install a special application called Google Pay, as well as a payment system.

Installing Google Pay:

• Go to the official software market Google Play.
• Find "G Pay".
• Install the software.

You need to focus on the name of the manufacturer to avoid buying a fake - the developer, although considered “Google Inc.”, has a small blue icon next to the name.

Download Google Pay

Installation is only half the battle. After 1 launch, you will need to configure the application and add your own maps, entering information in the special fields. Application setup:

• Information (card number, expiration date, CVV code), personal initials, address and telephone number are entered into the appropriate frames.
• A confirmation code is entered, it can be received via SMS (or in software) from a banking institution to confirm the card binding.
• Give the application access to the necessary functionality (it makes the request itself - displays the question as a banner).

After completing the settings, it is possible to add an auxiliary map when necessary. In addition, the program has a function for adding gift and discount cards, so as not to carry them around and save space in your wallet - for these purposes, you need to press the round key in the program where the plus is shown, select the required type of card, and then scan the barcode or write number yourself.

How to connect?

To connect this program, you must follow certain recommendations. When the user has already paid for something Google service and linked your own bank card to account, then, having installed the Android Pay software, they are immediately found in the list. When there are no linked cards, you will need to enter the information yourself. It is possible to use the integrated credit card scanner, but it often gets the number wrong.

If the information is read correctly, the corresponding data appears on the terminal, and then the phone can be removed. You just need to wait for connection to the bank and approval to make the payment. When several cards are added to the software, the payment occurs according to the one set as the main one. To pay for a purchase with another card, you will need to open the software and find the required one.

The key condition is the presence of a contactless payment option in the terminal. Usually, they have a mark on them as a special character. In the domestic market, such terminals are used by almost every major retail chain. Payment is also possible through the online service. For example, Uber or Yandex.Checkout. All you need to do is select G Pay as your payment method.

The payment system makes it possible to make a payment without unlocking the phone, but only in a situation where the amount is less than 1,000 rubles. and the payment does not occur 4 times in a row.

Safety

The user's card information will be stored on Google server and is properly encrypted there. For payment purposes, they do not use real data, but generated special sets of numbers - tokens. This does not mean that payment requires a permanent connection to the server. Tokens are created on the server, but then uploaded to each individual device and stored there until the payment is made. In devices from Apple and Samsung, a special physical space is allocated for storing the token, which significantly increases security. Additionally, Android Pay will request network access when the device runs out of tokens, which will be a significant disadvantage.

In order to make each purchase, you will need to enter a password, key code, or place your finger on the fingerprint scanner (much will depend on what type of protection method is used on the smartphone). When any of the blocking methods is turned off, then all information that concerns bank card user will be destroyed. When a device is lost or stolen, it is possible to remotely delete data about the linked card.

Comfort of the subject software is that the owner of the phone, which is connected to the application, will not need to carry cards. This is especially important for those who use cards from several banking institutions. Google provides guarantees that a person's card information during payments through this application will not be transmitted. It can be replaced with a virtual copy, which will be with the seller - this will make the use of the payment system more secure.

How does Android Pay work?

While working with the terminal and making purchases of 1 thousand rubles. or less, it will be sufficient to launch the device monitor and bring it to the terminal. In situations with larger amounts, you need to enter a password or place your finger on a special sensor. For payment purposes, it is possible to use a smart watch.

The application in question is capable of working in physical retail outlets and online mode. Most users do not visit markets and make purchases on a website or in an application, which is why Google has introduced technology there as well. For the application in question to function on the site, the technology must be supported by the owner of the resource. The consumer needs to find a key with a green robot and the word Pay and turn it on. He will be immediately redirected directly to the program, where it is necessary to remove the blockage and confirm the operation. After this, the site or software will immediately understand that the purchase has been paid for and the order will be placed.

Possible problems

The most common question floating around the Internet after the introduction of the payment system is “why Android Pay is not supported by Xiaomi.” The problem is actually well-known; almost every user of a Chinese device has encountered it. In addition, the application is not supported by the manufacturing company Meizu. The reason will lie in the international firmware, which is installed by consumers in order to translate the menu language into Russian.

Another difficulty that users have to face is returning a purchase. The point is that the token, which hides information about the consumer, is stored only for 1 terminal. To make a refund, you will need to find that terminal directly.

Promotions and discounts

The launch of all payment systems is accompanied by discounts and promotions designed to popularize the services among the masses and force users to use them at least once. One of the most popular promotions today is a 50% discount on metro travel. 50% discount on the purchase of an Aeroexpress ticket and a similar discount on the purchase of burgers at the Burger King chain. It works this way: the user pays the full amount of a ticket or some other product, and over a certain period of time, half of the cost will be returned to his card. This means that if the required amount is not available, you will not be able to use the promotion.

Innovative banking payment technologies are gradually spreading around the world, coming to new countries. Next up is Russia. On May 23, 2017, the long-awaited launch of Google Pay in Russia took place, which was previously called Android Pay. In this article we will talk about all the pros and cons of the payment system, we will figure out how to connect and configure Google Pay and which banks and smartphones support this technology.

Google Pay – what kind of technology is it and why is it needed?

Google Pay is a payment platform for Android smartphones from the famous American corporation Google, which was first launched in 2015. Today, this payment technology is already working in such large countries as the USA, Great Britain, Australia, Singapore, etc.

Many people ask what is the essence of this technology? Google Pay allows you to pay for your daily purchases using a smartphone or smart watch on the Android operating system in a contactless way, having previously “linked” a bank card from a bank that supports this technology.

The Google Pay payment platform is similar in principle to Apple Pay and Samsung Pay. But unlike the above systems, it has a number of advantages.

Pros and cons of a payment service

In order to understand how convenient this platform is and whether it is worth using, you need to understand what its advantages and disadvantages are for payments via the NFC module on the phone.

First, let's look at advantages of contactless paymentsGooglePay:

• No need to carry plastic bank cards with you. To make payments, you just need to use your smartphone, without which most modern people do not leave home.
• One smartphone instead of several payment cards. That is, you can “link” cards from several banks to Android Pay and, when paying, decide which card you want to make the payment from.
• The fundamental advantage of Android Pay, unlike Apple and Samsung Pay, is that this system not tied to a specific smartphone brand. The main thing is that the smartphone runs on the Android operating system. And in the world, such smartphones account for about 85% of the entire smartphone market.
• Payment speed. Paying physically with a bank card usually takes much longer than paying using a contactless method.
• Payment security. Now this is one of the main aspects of using new payment technologies. Unlike paying with a bank card, firstly, they will not be able to copy your bank card, and secondly, the payment is confirmed using a fingerprint or a special code. In addition, data transfer during payment occurs in encrypted form and is reliably protected from fraudsters.
• In addition to bank cards, you can add most loyalty cards, discount cards and other cards that you usually carry in your wallet to the GPay application.

Cons of a contactless payment platform:

• Unfortunately, so far Not all stores have a contactless payment system. But every year, the number of banks that support Google’s new product and the number of payment points that accept contactless payments, including Google Pay, is growing very quickly.
• There is no option to use technology to withdraw cash. At least most ATMs in Russia are not configured to read contactless gadgets.
• Smartphone ran out of charge - left without money. If you constantly use only your smartphone as a means of payment, and if the charge on your gadget runs out, you may be left without a means of payment.

So, in order to connect Google Pay, you must have a bank credit or debit card Visa, MasterCard, Discover, American Express from a bank that supports this technology, and also have a gadget technically suitable for contactless payment.

Banks supporting Google Pay in Russia

So which banks support GPay? As of May 23, 2018, you can connect cards from the following banks:

• Sberbank
• Opening
• Promsvyazbank
• Dot
• MTS-Bank
• Binbank
• Rosselkhozbank
• Yandex.Money
• Some regional banks...

Every month the number of banks connected to the system is certainly increasing. A more detailed and up-to-date list? and also which cards can be added to the application can be found on the official website.

Devices that support paymentGoogle Pay

As already mentioned, unlike Apple Pay and Samsung Pay, the main condition for using new technology is the operating system Android versions 4.4 and higher, as well as availability in smartphone NFC module (chip for contactless payment).

Attention! Many have encountered the problem that Google Play either does not find the corresponding application, or a message appears: “Not supported on your device.” This message, as a rule, is seen by those who bought their smartphone through Aliexpress. The fact is that such gadgets usually do not have official firmware or root access is open. Therefore, on such devices, it will not be possible to install the GPay application (This applies to such Chinese brands like MEIZU, Xiaomi, Elephone, etc. purchased not in Russia).

The most affordable smartphones with an NFC module today are produced by the company HUAWEI under the HONOR brand. I myself am the owner of a gadget of this brand and I can say that contactless payments are made without any problems. Everything is just perfect, unlike Samsung of other brands, where glitches and freezes very often occur.

How to use Google Pay

So, if you have a card from a supported bank and a smartphone on the platform of the same name with an NFC module, then to pay with your smartphone you need:

1. Download the official Google Pay app from the Google App Store.
2. In the application settings, add “link” to the bank card of the supporting bank.
3. Set the main card for payments in the application settings (For example, if you have added several cards)
4. Also, in the settings of the NFC module of your smartphone, you must select the “Default” application for contactless payment. Choose Google Pay.

Directly at the store, payment is made in the standard way. When the cashier asks you to insert your card, you must unlock your smartphone and reverse side smartphone to a bank terminal. Payment will be made from the bank card that you specified as your main one in the GPay application. If, at the time of payment, you want to make a payment from your other card, then simply open the GPay application, select one of the added cards and bring your phone to the terminal.

Below is a detailed video review about Google’s contactless payment technology on Android smartphones.