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Google Android Pay – How Does it Work

Android is the biggest mobile platform in the whole world. It has the biggest share in the global mobile market and covers approximately 85% of a total number of mobile phones in the global market. So it was not surprising when Google launched the Android Pay app for its mobile users. It is the digital wallet platform for the android users to enable them to the in-app and tap-to-pay purchase directly from their smartphones and not just Android smartphones but tablets and smartwatches too.

It was launched on September 11, 2015, as a replacement of Google wallet which was a person-to-person application which you could use to transfer money to your friends and family members. Android pay also saved a person’s credit cards, debit cards, and loyalty cards etc. It comes pre-installed with different Android devices but it can also be download from Google App store too. It requires a minimum Android Kitkat 4.4 and above operating system to run and the Phone must be NFC enabled.

How to use Android Pay?
1. Currently, Android Pay is available in ten different countries like the United States, Ireland, Poland, United Kingdom, Hong Kong, Singapore, Australia, Japan and New Zealand. Most recently it was launched in Belgium on March 7, 2017.
So if want to use Android Pay in these countries then you fill find it pre-installed in your smartphone or you can easily download it from App store.

2. After Installation, you can put your debit/credit cards details within the app. If you have already inserted your card information for any other Google Facility then you can add it to the Android Pay after confirming some details.

3. As Android Pay uses the NFC (near field technology) to make a payment using your mobile phone and a contact-less card reader. It is not useful for the card swipe machines and the vendor must have a contact-less card reader in you want to make payment through Android Pay app. That is why it is advisable to carry another card in case you need to use ATM or a gas station as many facilities are not fully equipped with contact-less card readers.

Purchasing at Stores-
Initially, when Google launched the Android Pay, it was said that a person can easily pay with his android smartphone by just unlocking it and placing it near the contact-less terminal.

Google has also allowed paying under 30 GBP (Great Britain Pound) or 36 US dollars without unlocking the phone. The person just needs to keep the screen on. For payment of more than that needs authentication.

Purchasing within apps-
Google allows “Buy with Android Pay” within the apps means you don’t need to input your card information and delivery address into different apps and can swiftly checkout.
In US various apps like Domino’s, Dunkin Donuts, Lyft, Etsy, Groupon, Chipotle, and GrubHub supports Android Pay.

In UK different apps like Kickstarter, JD sports, Zara, and Fancy etc. provide such facility to pay through Android app easily.

Web browser (Chrome)-
Many apps have their website counterparts too. When the user in unable to use the mobile app then he can pay through such website easily. Google had also announced that they will provide the users the facility to pay through chrome web browser but there is not much advancement in it. But we can expect the news soon.

How much secure is Android Pay?
Just like other online payment options Android Pay also has a potential threat from hackers and forgers. To overcome such threats Google has been working with some prominent network and financial institutions to provide its transactions an industry-standard security tokenization.

In tokenization, the retailer will get a 16-digit newly generated token number instead of your account number. It protects your account information as if there will be a security breach in the retailer’s data then your account number will be safe.

The difference between Apple’s Apple Pay token and Google’s Android Pay token is that Apple Pay’s token is not generated and saved within the chip but on the cloud. So if you are at any secluded area then you will not be able to use the Apple Pay. But Android pay will still be useful as it can access the token from the chip and fulfill the payment.

Which banks supports Android Pay?
In the United States, Android Pay works with primary financial institutions like American Express, Discover, Master Card, and Visa.

These cards are issued by major American banks like capital One, Wells Fargo, Citi Bank, US Bank, USAA, Bank of America, Navy Federal Credit Union, American Express etc.

The major financial institutions which support the Android Pay in the United Kingdom are Visa and MasterCards. You can pay through using their Debit and Credit cards which are issued by various banks like HSBC, Lloyds Bank, M&S Bank, MBNA, Bank of Scotland, Santander and Ulster Bank etc.

Google is continuously working to expand the number of banks which support Android pay.

Image source : https://goo.gl/zf4nAk

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