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Android Pay

What the heck is the difference between Samsung Pay and Android Pay?

samsung pay vs android pay

If you own a newer model Samsung Galaxy smartphone, you might see that Android Pay and Samsung Pay are both available to you and seem to serve the same purpose, so what gives?

Android Pay and Samsung Pay are quite similar in that they both handle mobile payments.  The user simply opens the payment application, takes a picture of a credit card to store its details, and uses the smartphone to pay for the transaction. However, the underlying technological differences between the two wireless mobile payment platforms could help one of them claim the leading position and make the other fall into obscurity.

Some Background on Mobile Payments

android pay

The recent boom in mobile payment options means that we could very soon leave our wallets at home and pay for everything with our smartphones. Gartner, an American research and advisory firm providing information technology-related insight, predicts that the global market for mobile payments will grow from about $235 billion in 2014 to $720 billion in transactions by 2017.

On Android, this amazing growth is entirely driven by two mobile payment options: Android Pay and Samsung Pay. Both arrived in September 2015 and have since established their firm place on the market with partnerships with countless financial institutions and retailers.

Android Pay

android pay
Right from the start, Google’s own mobile payment option, Android Pay, has one very important trick up its sleeve: It works on all smartphones with NFC and HCE (Host Card Emulation) support that are running Android 4.4 KitKat and later. Chances are that if you’ve recently bought an Android device from a leading smartphone manufacturer, you won’t have any problems getting Android Pay to work.

The number of supported devices will only grow in the future, as Google makes the requirements for Android Pay the new standard for all devices.

The biggest downside is it currently doesn’t support too many banks. You can find the official list of supported cards and banks on Android’s official website. At the time of writing this article, Android Pay should work with almost 700,000 store locations and 1,000 Android apps.

Samsung Pay

samsung pay

Samsung’s mobile payment platform is built upon a technology from a company called LoopPay, which was acquired by Samsung in 2015. According to their website, “LoopPay was born with the invention of Magnetic Secure Transmission (MST). This patented technology, along with the LoopPay app, became the most accepted mobile payment solution worldwide.”

MST emits a magnetic signal that mimics the magnetic strip on a traditional payment card, thus allowing for mobile payments at almost any point-of-sale system. Samsung claims that the technology is more secure than using a traditional payment card and is as secure as paying with Near Field Communication (NFC), which is what Google uses for their Android Pay system. Paying with MST through Samsung Pay is simple and intuitive: all users have to do is place their smartphone close to the terminal and wait for the system to confirm the payment.

Because magnetic card terminals are much more widespread than those that accept NFC payments, it’s possible to use Samsung Pay in more than 90% of the stores in the United States and more than 30 million retail locations worldwide. Furthermore, with partnerships with over 100 financial institutions, you have much better chance of getting your card to work with the system than you do with Android Pay.

The MST technology was put to work in this recent Samsung Pay commercial:

All of this would perhaps make Samsung Pay the mobile payment system of choice for most customers, if it wasn’t for the limited device support. Currently, you can use Samsung Pay only with the Galaxy S6, S6 Edge, S6 Edge Plus, and Galaxy Note 5 – costly devices that completely leave out the mid- and low-end market.

Conclusion

The Samsung’s mobile payment system is heavily dependent on the quality and popularity of their smartphones. While they have a huge advantage today with the support for MST, this technology is likely to lose its relevance in the future, as NFC becomes the new norm. Android Pay relies on its army of third-party smartphone manufacturers to push the technology forward and bring it to customers across the world. Still, Google needs to ensure that the system will work flawlessly on all devices, otherwise it could gain a bad reputation.

Report: LG Pay to have MST support

LG G3

LG G3

Taking a cue out of Samsung’s books, #LG has apparently decided to include MST or Magnetic Secure Transmission support with #LGPay, which will be compatible with standard payment terminals where NFC isn’t available. This is a good move by the Korean manufacturer, especially since the proposed White Card idea has hit a roadblock, which led to the delay of LG Pay’s release.

It is further being said that LG Pay could finally debut with the LG G6 next year, which is still some distance away. Traditionally, we’ve seen LG trying its hand at practically everything that its competitors have tried, so this should barely come as a surprise. However, LG Pay’s delay might hurt the company a little given the dwindling sales of its flagships and the incompatibility with older hardware.

Do you think LG Pay has what it takes to make an impact on the market, given how Apple Pay, Samsung Pay, and Android Pay are currently struggling?

Source: ET News

Via: Pocketnow

Pay for an Uber ride with Android Pay to receive a $10 discount

Uber Android Pay Promo

If you frequently take an #Uber for your commutes, you will realize that it’s not a good feeling when you keep spending money on rides all the time. So in order to ease the process a little bit for you, the folks at Google and Uber have decided to give you a smooth $10 discount when you pay for an Uber ride using Android Pay.

The discount is applicable on UberBLACK, UberX, UberSELECT or UberPOOL trips that you take (only once per user) until May 31. You will simply have to enter the promo code ANDROIDPAY in the Promotions section of Uber to avail this discount. Make sure it’s a long trip because the $10 discount is only valid on one ride.

Unfortunately, the promotion is limited to the U.S. so people in other parts of the world are missing out for now. We’ve seen Android Pay promotions running before and this one is quite similar. Not only will it give users an incentive to try out the service, but also potentially convert them into long term Android Pay users.

Source: Android Pay

Via: GSM Arena

Verizon offering 2GB of free data for using Android Pay

Android Pay

Starting today, you can simply tap your #AndroidPay compatible device at any of the supported locations around the U.S. and get a free GB of data on your account. When you make your third tap on Android Pay, you will get another GB of data, which makes it a total of 2GB of high-speed data that is valid for two billing cycles.

This is the carrier’s way to boost up market share and usage of Google’s wireless payments offering. We’re seeing Samsung offering multiple incentives to customers who activate Samsung Pay on their devices, so this is pretty similar to that. The deal offered by Verizon is pretty simple and can be used at over 1.5 million locations in the U.S. according to the carrier.

Naturally, you will have to be a Verizon Wireless customer to get the aforementioned free data.

Interested in this deal? Head over to an Android Pay supported retailer right away and make a transaction to get some free data on your Verizon account.

Source: Verizon Wireless

Nexus users can get a $20 e-gift card from Best Buy if they make a purchase using Android Pay

Android Pay

To celebrate the Holidays in grand fashion, #Google will be offering a $20 Best Buy e-gift card to users who make a purchase using #AndroidPay. The purchase can be made at any of the one million plus locations in the U.S. where Android Pay is accepted and isn’t limited to just Best Buy outlets.

So all you have to do is walk over to your nearest retail outlet where Android Pay is accepted and make a purchase. Google will then add the $20 gift card on your Android Pay account in a few days, letting you make purchases from the retailer during the Holidays.

This is only valid for one purchase during the promotion period, so don’t expect to get $20 every time you purchase an item via Android Pay. Adoption rate of Google’s wireless payments service is slowly picking up pace although it hasn’t reached the levels that Google was initially expecting. The company recently teamed up with Jamba Juice to give users an Android collectible every time they paid for their orders using Android Pay.

Make sure you purchase something via Android Pay before December 31, 2015 to be eligible for this promotion. Remember that you will have to make the purchase using a Nexus device (Nexus 5, Nexus 6, Nexus 5X, Nexus 6P, Nexus 9, Nexus 7 etc).

Source: Google

Via: Android Central

T-Mobile will donate $1 to charity with every Android Pay purchase you make

T-Mobile

T-Mobile

T-Mobile has announced a charity drive that will run through the Holidays, in partnership with Google’s #AndroidPay. As per this campaign, the company will offer $1 to charity when a customer makes a purchase using Android Pay. The proceeds go to Donors Choose which is a non-profit (US 501) that funds all schools in the U.S. by offering field trips, books and other essentials for the kids.

There’s not much the customers have to do and you can simply make a purchase using Android Pay and the carrier will do the rest. Perhaps you can use Google’s wireless payment service in lieu of a credit or debit card, just so that $1 goes towards a noble cause. T-Mobile hasn’t clarified if this only applies to payments made via the carrier’s retail outlets or every Android Pay transaction in general.

The carrier’s tweet doesn’t reveal much on this, so further clarification is awaited. Android Pay is accepted on all major retail outlets of the U.S. that have an NFC payment terminal, so you can simply walk over to your nearest store and check if you can pay for your purchase using Android Pay.

Source: @TMobile – Twitter

Via: Phandroid

Square is rolling out their new reader with support for mobile payments

New Square Reader

Square, the mobile payments startup, is finally getting onboard with mobile payments. After originally announcing their new reader back in June, they are finally starting to ship the device to retailers. The new reader not only brings support for chip-enabled cards (which have just started to become commonplace in the United States), it also brings support for Android Pay, Samsung Pay, and Apple Pay.

The reason chip cards have just started to be available for US customers is due to the liability shift that occurred on October 1st of this year. If retailers have not enabled support for chip-powered cards and are found to be at fault for a data breach that could have been prevented with chip support, the liability falls to them.

While you may have gotten a chip-powered credit card if you were going overseas, the reason it’s just now becoming available domestically is because of large-scale hacks in recent years such as Target or Home Depot. The United States is the last country to get support for chip cards, which you probably have been receiving this year from your bank or credit union.

Of course, chip cards require you to insert your chip into a slot, and the processing time is a lot slower than the previous swiping technology. Mobile payments are a lot quicker and contain many of the same security features, such as tokenization, so Square is also bundling this into their new reader, as a new security feature and convenience for retailers and customers.

Square has teamed up with 100 businesses initially, but anyone can get a new Reader from their website, if they are a Square customer. While it only says Apple Pay on their website, any NFC-powered payment system should work, such as the upcoming LG payment system. Samsung Pay is also supported, because it uses both NFC and MST, which transmits the same swiping magnetic technology that previous readers had support for. No matter what system you’re using, mobile payments should work.

Via: Droid Life

Samsung Pay could be compatible with non-Samsung devices in the future

Samsung Pay

Samsung Pay

As of now, #SamsungPay is a service made exclusively for #Samsung products. This is not exactly a surprise given what we’ve seen from the company in the past. However, the VP of the company’s mobile division, Injong Rhee has revealed that Samsung originally considered the idea of making the service compatible with non-Samsung devices as well. Luckily, he hasn’t ruled it out at this point, so the option might still be open.

He said – “From the beginning, we’ve considered providing Samsung Pay to our partners. But right now global expansion is happening so quickly for Samsung Pay that we are focusing all our energy on deployment.”

This obviously doesn’t confirm or deny that the service will be made available for non-Samsung devices anytime soon, but it gives us hope that the company might actively start pursuing the idea. Samsung Pay has an upper hand over the competition solely because of its ability to use MST to transact with legacy debit/credit card swiping machines, while the likes of Apple Pay and Android Pay require dedicated NFC payment terminals.

Source: ZDNet

Via: Android Authority

Android Pay To Soon Have Loyalty Rewards

Android Pay

Since its launch back in September, Android Pay has been getting more traction from users, merchants, and credit card companies. Currently, there is no Loyalty Rewards program, but Google is looking to change that.

At the Money 20/20 conference in Las Vegas, Sridhar Ramaswamy, Google’s SVP of ads and commerce, announced several stats for the payments platform and some new features coming soon as well. First, millions of people have signed up for Android Pay, and more than 60% of them had not been using Google Wallet.

However, coming soon is a Loyalty Reward program. Google is looking to have their first partner be Coke, as there are 20,000 NFC-enabled Coke machines in the wild. Because many of those people likely have Coke’s “Coke Rewards” program, they would presumably like to get points easier than typing in a code. And while Coke will be the first, Google is looking to expand that program with other merchants.

To speed up the adoption of Android Pay, Google will be talking to three of the big four carriers (Verizon, AT&T and T-Mobile) to help their store employees promote Android Pay. Google is also talking to their card partners, American Express, MasterCard and Visa, and various banks to promote Android Pay as well.

Since Google is looking to start a Loyalty Rewards program with merchants, no doubt other payments companies will follow. Do you use Android Pay or any other mobile payments option?

Source: Re/code

Pay with Android Pay at a Jamba Juice to get a free Android collectible

Android Pay - Jamba Juice

Android Pay - Jamba Juice

Google’s #AndroidPay is slowly picking up pace in the U.S. And in order to encourage more users to use the new wireless payments service, Google has now teamed with Jamba Juice to offer users a free Android mini figurine if they pay for their smoothies or shakes using Android Pay.

This is a very good promo from the company and something that could increase popularity and raise awareness about Android Pay, at least among customers of Jamba Juice which owns a large number of outlets across the U.S.

The only caveat here is that this promotion is only valid over the weekend, so you won’t be able to get it beyond that. So make sure you head over to a Jamba Juice near you this weekend to receive a free Android mini figure. We’re not sure if this is limited to one per customer as Google hasn’t mentioned that in its tweet.

Note that only some Jamba Juice outlets are covered under this promo, so make sure you check with the outlet beforehand.

Source: @Android – Twitter

LG looking to launch new “G Pay” wireless payments service: Report

LG Logo - Nexus

LG Logo - Nexus

A new report from a popular source talks about LG’s intentions to release a new wireless payments service called the “G Pay“. It is said that the company has already been awarded patents in the U.S., Japan and South Korea. There is not a lot of word available on this service as of yet, but as the name suggests, this could be a rival to #SamsungPay.

Samsung and LG have closely competed in their home markets and overseas, so we can understand the reasoning behind a service such as this. It is believed that G Pay will be more versatile compared to Samsung Pay, which makes use of NFC as well as MST technologies for payments.

The report speculates that LG will be working on a USIM based payment solution, which apparently even some industry big guns are working on, so it should be interesting to see what the company has in store with the new G Pay.

Source: ET News

Via: Techno Buffalo

Top 10 Android smartphones capable of fingerprint recognition

Fingerprint scanners. Can’t have a flagship smartphone without one in this day and age, but the Android handhelds that do support the futuristic method of biometric authentication are often accused of shoddy, gimmicky execution.

Fingerprint scanner

Even when done properly, the technology continues to stir up controversies, although Apple fans were very quick (and proud) to adopt so-called Touch ID recognition on the iPhone 5s, then the 6, 6 Plus, 6s and 6s Plus models, as well as the iPad Air 2, iPad mini 4, and iPad Pro.

Many will argue Cupertino managed to deeply integrate the feature into iOS straight off the bat, letting its customers not only unlock devices via fingerprint, but also seamlessly authorize online payments, and logins in various proprietary apps.

Then again, as Samsung Pay gears up to roll out to a bunch of Galaxy stars, including some that don’t shine as bright as the S6 Edge+, and Android Pay looms large on the horizon, as part of Marshmallow’s basic set of native goodies, it’s time we took fingerprint-capable gadgets more seriously than ever.

Android Pay

To that end, we’ve gathered a handy list of ten Android smartphones available on Amazon today which support fingerprint magic. Before long, this will noticeably grow, as the Xperia Z5 trio, 2015 Nexus duo, and others join the party, but once again, let’s focus on the now:

Samsung Galaxy S6 Edge Plus – $710 factory unlocked international

First and foremost, let us stress we’ve tried to make today’s top ten as diverse as possible, so as not to be accused of Samsung fanboyism. Otherwise, we risked the Android manufacturer kings taking over nearly the entire ranks, having introduced mobile fingerprint compatibility back in early 2014, with the now ancient GS5.

Galaxy S6 Edge+

That said, the S6 Edge+ predictably headlines the roster, despite its extravagant price tag, with silky smooth touch-based fingerprint functionality, Samsung Pay around the corner stateside, and an entire slew of unrelated ultra-high-end features, like a dual-edge 5.7-inch Quad HD AMOLED screen, Exynos 7420 SoC, 4 GB RAM, and 16/5 MP cameras.

Samsung Galaxy Note 5 – $698 and up

Galaxy Note 5 fingerprint

No flashy curves, no European availability… just yet, a bundled S Pen accessory that you should be extra-careful with, and as for everything else, it’s the same as above. The fingerprint sensor is integrated into the home button, and unless a super-skilled, super-vicious hacker makes you his target, authentication and payments are nice and secure.

HTC One M9 Plus – $509

htc-one-m9-plus

Technically unreleased in the US, the MediaTek Helio X10 powerhouse is up for grabs on Amazon via import specialists sans an American-valid warranty. The home key-incorporated fingerprint scanner is actionable by touch here too, and it allows you to set up to five different profiles for sharing the device, and its state-of-the-art data protection, with family and friends.

Why haven’t you heard more chatter about the M9+? Well, the cameras aren’t great, battery life is somewhat underwhelming, and HTC’s marketing moolah was wasted on Iron Man.

Lenovo Vibe P1 – $459

Hello there, battery monster that literally just got unveiled at IFA 2015! It’s excellent to see you commercially available, even if likely in very limited, imported inventory. It’s even nicer to hear Lenovo hasn’t skimped on fingerprint recognition quality, promising half a second unlock times.

Lenovo Vibe P1

The overall quality-price ratio is what makes the Vibe P1 stand out from the crowd, with octa-core processing power in tow, 2 gigs of memory, a 13 MP dual-LED flash rear cam, 5.5-inch Full HD display, 32 GB internal storage space, microSD support and, above all, a gigantic 5,000 mAh ticker.

Huawei Ascend Mate 7 – $419 factory unlocked

Speaking of giants, the Mate 7 is no, not 7 full inches in diagonal, but pretty close, at 6. Much like the P1, its key strength is endurance, courtesy of a slightly smaller 4,100 mAh cell. The IPS LCD panel is 1,080p-capable, the 16 GB ROM microSD-expandable, and the Kirin 925 SoC octa-core-packing.

Huawei Ascend Mate 7

Too bad the rectangular fingerprint rig is a little harder to operate around the phablet’s back, and Android Pay capabilities baked into 6.0 Marshmallow are a sweet but unrealistic dream, as Lollipop hasn’t even replaced KitKat yet.

Meizu MX5 – $387

Stop being skittish about Chinese brands who haven’t officially penetrated the American market. Meizu’s time, for instance, will come, mark our words, either when the MX5 spreads worldwide, or when the just-announced Pro 5 takes off.

Meizu MX5

What makes the MX5 special? Take your pick – an always reliable touch-manipulated fingerprint ID apparatus, 5.5-inch FHD AMOLED display, octa-core Helio X10 CPU, 3 GB RAM, 20.7 MP photography virtuoso, 3,150 mAh battery, etc., etc.

Meizu MX4 Pro – $365

Meizu MX4 Pro

Don’t let the first part of the name fool you. The MX4 Pro is as high-end as smartphones came in late 2014, touting 2,560 x 1,536 pixels resolution on a 5.5-inch IPS LCD screen (resulting in 546 ppi), Exynos 5430 octa punch, 3,350 mAh juice, and 20.7 and 5 megapixel camera excellence.

Lenovo ZUK Z1 – $379

This brand and this device essentially came out of nowhere last month, with so-called 360 degree U-Touch tech among the primary selling points, plus Cyanogen OS support, a clean, minimalistic design, USB Type-C connectivity, and massive 4,100 mAh battery endowed with fast charging functions.

ZUK Z1

Expected out “internationally” in the near future, the Z1 should be in line for a Marshmallow update in a few months, which means Android Pay is coming to seal the already tempting deal including 3 GB RAM, 64 GB ROM, a 5.5-inch 1,080p screen, quad-core Snapdragon 801 chip, and 13/8 MP cams.

Samsung Galaxy Alpha – $284 AT&T unlocked

When’s the last time you thought of the venerable metal-framed 4.7 incher, the upper mid-ranger that started the high-end aluminum construction trend, and also registers and remembers your fingerprint… once you swipe it across the home button repeatedly.

Galaxy Alpha

Okay, so the implementation is seriously flawed here, the margin of error way too large, and the real-life utility of the biometric authentication mechanism almost nonexistent. But if you’re looking for bragging rights over owners of phones caught behind the times, and don’t want to spend a fortune in the process, this is still an option.

Besides, it’s supermodel skinny (6.7 mm), lightweight yet fairly robust, compact and Lollipop-running, thanks to a recent software makeover.

HTC One Max – $333

HTC One Max

Aged 2 going on 3, the cumbersome 5.9 incher belongs in a museum rather than a user’s (humongous) trouser pocket. But it’s affordable… at last, welcomes all your content on a 32 GB ROM and microSD card slot, Full HD-sporting, 2 GB RAM-packing, and LTE-enabled on GSM networks. The actual fingerprint scanner is pretty glitchy, we’ll be honest with you, and almost impossible to reach, as it’s situated on the rear of an 164.5 x 82.5 mm slab tipping the scales at 217 grams.

Citibank Is Working With Android Pay

Android Pay just launched a week ago on September 10th, and is already available at a variety of stores. But, in order to use Android Pay, your bank has to support the system. Some banks, such as Wells Fargo and Bank Of America, supported the service on day 1. However, it looks like Google is flipping the switch on other banks that were previously unavailable, such as Citibank.

Citibank Android Pay

I just added my card to the Android Pay app and now it works. While Google’s website still lists Citibank as “Coming Soon” it appears to be working right now. So if your bank is Citibank, go ahead and try it out. And you can download the Android Pay app right here.

Android Pay officially launching today

Android Pay

#Google has officially announced the arrival of #AndroidPay today, which will replace your Google Wallet app. In theory, this is merely a revamped version of Google Wallet and will let you make payments on NFC terminals, just like you used to.

This means that Google Wallet will now remain an online virtual wallet, with wireless payments going to Android Pay. It also brings an all new user interface and supports credit and debit cards from American Express, Discover, MasterCard, and Visa.

Retailers like American Eagle, Macy’s, Pepsi, Subway, Staples, Whole Foods, Bloomingdales, Gamestop, Sports Authority, Office Depot and many others are supporting Android Pay, so you can head over to an outlet near you to try it out. This appears to be a U.S. only affair for the time being, but that could be changing soon.

You will notice that the Play Store listing for Wallet will change to Android Pay, if it hasn’t already. If you want to get the new app manually however, make sure you hit the link below.

Source: Google Play StoreGoogle Blog