Fri . 19 Feb 2019

Android Pay

android pay, android pay app
Android Pay is a digital wallet platform developed by Google to power in-app and tap-to-pay purchases on mobile devices, enabling users to make payments with Android phones, tablets or watches Android Pay uses near field communication NFC to transmit card information facilitating funds transfer to the retailer It replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals by allowing the user to upload these in the Android Pay wallet It is similar to contactless payments already used in many countries, with the addition of two-factor authentication The service lets Android devices wirelessly communicate with point of sale systems using a near field communication NFC antenna, Host-based card emulation HCE, and Android's security

Android Pay takes advantage of physical security such as fingerprint ID where available On devices without fingerprint ID, Android Pay is activated with a passcode When the user makes a payment to a merchant, Android Pay does not send the credit or debit card number with the payment Instead it generates a virtual account number representing the user's account information This service keeps customer payment information private, sending a one-time security code instead of the card or user details

Users can add payment cards to the service by taking a photo of the card, or by entering the card information manually To pay at points of sale, users hold their authenticated device to the point of sale system The service has smart-authentication, allowing the system to detect when the device is considered secure for instance if unlocked in the last 5-minutes and challenge if necessary for unlock information Spring CEO Alan Tisch said Android Pay improves Mobile shopping business by supporting a "buy button" powered by Android Pay integrated within vendor's creative design


Android Pay was released at Google I/O 2015 Android Pay is a successor to and builds on the base established by Google Wallet which was released in 2011 It also uses technology from the carrier-backed Softcard—Google had acquired its intellectual property in February 2015 At launch, the service was compatible with 70% of Android devices, and was accepted at over 700,000 merchants Google Wallet still powers web-based Play Store purchases and some app-based peer-to-peer payments, for instance in Gmail

As of 2016, it is currently available in the United States, UK, Ireland, Poland, Singapore, Australia, Hong Kong, Japan and New Zealand Upon its UK launch Android Pay supported MasterCard and Visa credit and debit cards from many of the UK’s major financial institutions — including Bank of Scotland, First Direct, Halifax, HSBC, Lloyds Bank, M&S Bank, MBNA and Nationwide Building Society — "with new banks being added all the time" according to Google Natwest, RBS and Ulster Bank will launch on September 14 On September 8, 2016 it was reported that UK banks TSB and Santander will participate "over the coming weeks" Android Pay was launched in Singapore on 28 June 2016, and in Australia on 14 July 2016 Android Pay launched in the Republic of Ireland on December 7, 2016 and is initially available to customers of AIB and KBC The service works with both credit and debit cards

In 2016, Google began a public trial in Silicon Valley of a related mobile app called Hands Free In this system, the customer does not need to present a phone or card Instead, a customer announces they wish to "pay with Google" and give their initials to the cashier, who verifies their identity with a photo previously uploaded to the system The customer's phone will only authorize payment if its geographic location system indicates it is near a participating store

Support for payment cards issued in
September 11, 2015 United States
May 18, 2016 United Kingdom
June 27, 2016 Singapore
July 13, 2016 Australia
October 20, 2016 Hong Kong
November 17, 2016 Poland
December 1, 2016 New Zealand
December 7, 2016 Ireland
December 7, 2016 Japan

See also

  • Apple Pay
  • Samsung Pay
  • Microsoft Wallet


  1. ^ a b c d "Google introduces Android Pay, a replacement for its wallet app on mobile" The Verge Vox Media Retrieved 28 May 2015 
  2. ^ Google Developers 2015 "Fingerprint and payments APIs 100 Days of Google Dev" YouTubecom Google Retrieved December 2, 2016 
  3. ^ "Google introduces Android Pay, a replacement for its wallet app on mobile" The Verge Vox Media Retrieved 28 May 2015 
  4. ^ Tilenius, Stephanie 2011 "Google Wallet Product Launch" YouTubecom Google Retrieved December 2, 2016 
  5. ^ Welch, Chris March 5, 2015 "Softcard is shutting down on March 31st, and Google Wallet will replace it" The Verge Vox Media Retrieved 5 March 2015 
  6. ^ "Participating banks and supported cards for Android Pay" Android Pay Help Google Retrieved December 2, 2016 
  7. ^ Sebastian 8 September 2016 "Android Pay now available in Google Chrome, more Banks supported" TestImpulsecom Retrieved 2016-09-09 
  8. ^ Android June 27, 2016 "#AndroidPay is now available in Singapore Download from +Google Play, add your card and tap to pay at thousands of stores islandwide" PlusGooglecom 
  9. ^ Bhat, Pali May 18, 2016 "Android Pay now in the UK, new countries on the way" Android Official Blog UK: Google Retrieved December 2, 2016 
  10. ^ El Khoury, Rita December 16, 2015 " Android Pay Is Coming To Australia In 2016" Android Police 
  11. ^ http://wwwcheckoutie/google-launches-smartphone-payment-system-ireland/35973
  12. ^ Lynley, Matthew 2 March 2016 "Google experiments with a way to pay without taking out your phone" TechCrunchcom AOL 
  13. ^ Bhat, Pali March 2, 2016 "Testing, Testing - One, Two, Hands Free" Google Commerce official blog Google Retrieved December 2, 2016 
  14. ^ "Android Pay launches in the UK" Retrieved December 13, 2016 
  15. ^ "Tap Pay Islandwide: Android Pay arrives in Singapore"  Text "https://techcrunchcom/2016/07/13/android-pay-launches-in-australia/" ignored help; Missing or empty |url= help; |access-date= requires |url= help
  16. ^ "Android Pay launches in Australia"  Text "https://bloggoogle/products/android/tap-pay-islandwide-android-pay-arrives/" ignored help; Missing or empty |url= help; |access-date= requires |url= help
  17. ^ "Android Pay launches in Hong Kong"  Text "https://wwwnfcworldcom/2016/10/20/347897/android-pay-launches-hong-kong/" ignored help; Missing or empty |url= help; |access-date= requires |url= help
  18. ^ "Android Pay launches in Poland"  Text "https://wwwpaymentssourcecom/news/android-pay-launches-in-poland" ignored help; Missing or empty |url= help; |access-date= requires |url= help
  19. ^ "Android Pay launches in New Zealand"  Text "http://wwwscoopconz/stories/BU1612/S00019/android-pay-launches-in-new-zealandhtm" ignored help; Missing or empty |url= help; |access-date= requires |url= help
  20. ^ "Now you can use your phone to buy things in shops"  Text "http://wwwirishtimescom/business/technology/now-you-can-use-your-phone-to-buy-things-in-shops-12895555" ignored help; Missing or empty |url= help; |access-date= requires |url= help
  21. ^ "Google's Android Pay mobile wallet arrives in Japan"  Text "https://wwwcnetcom/news/googles-android-pay-mobile-wallet-arrives-in-japan-apple-pay/" ignored help; Missing or empty |url= help; |access-date= requires |url= help

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Android Pay

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