More recently, in May of this year, Russians were able to familiarize themselves with contactless technology on phones running the Android operating system. Major competitors Apple Pay. and Samsung Pay started half a year earlier, but huge coverage of devices that support Android Pay. Can play Google on the hand and will help her win a new audience. In this material, consider a new application for android smartphones. How Android Pay works, how differs from its competitors, is it safe to use it and with what difficulties I had to face users.

System requirements

To begin with, it is worth finding out what devices android pay is running on. The requirements that Google places are not too overestimated. The NFC chip must be installed on your phone (for payments) and Android version 4.4 (to install the Android Pay application). It seems that everything is simple, but in fact there are a number of restrictions that may interfere with enabling Android Pay:

First, the service only works on those gadgets that operate under the official firmware (version for developers and low-foot upgrade assemblies are not supported).
Secondly, there is a list of smartphones on which it is impossible to turn on Android Pay. This is an Elephone P9000, Samsung Light and S3.

As for the terminals, everything is quite simple. To pay any terminal supporting PayPass or PayWave technology. Such terminals are installed almost in any, not even the most prestigious store or point of sale.

What banks and cards work?

Just as in the case of other payment systems, Android Pay started only with part of banks operating in Russia. Fortunately, among them all the most popular institutions that are in great demand: "Raiffeisen Bank", "Russian Standard", "Rocketbank", "Opening", Sberbank, Tinkoff, a number of other, less well-known organizations and payment service from Yandex ". With shops, the situation is no worse. Almost all popular trading networks showed interest in new technology And they pledged to support her work. It is quite natural, since the same networks are already working with Apple and Samsung.

How to connect?

On which phones android pay is working out, now you need to connect this service. If you have already paid for some of google services and tied their own bank card To account google records, then installing android app Pay, immediately detect them in the list. If there are no tied cards, then you will have to enter all the details on their own. You can use the built-in credit card scanner, but it is often mistaken with the number (it is not clear why Google could not bring the technology to mind).

Before you add a map, do not forget to install a password to your device, otherwise Android Pay will respond with an error and forbid anything to pay. After adding a map you will need to confirm. You can confirm the card using an SMS code or by calling the Bank's technical support service and make sure that you connect your card to the mobile payment system. For confirmation with you will be taken 30 rubles, but after some time will be returned.

Safety

Your card data is stored on google servers And they are securely encrypted on them. For payment, not your real details are used, and specially formed sets of numbers are tokens. This does not mean that a permanent connection to the servers is needed. No, tokens are created on servers, but then unloaded to each individual device and stored there until any payment is made. In devices from Apple and Samsung, a separate physical space is assigned to storing tokens, which significantly increases the level of security. Plus, Android Pay, one way or another, will ask access to the Internet, when tokens will end in the device, and this is a significant disadvantage.

To make each purchase, you will have to enter a password, a key code or attach a finger to the fingerprint scanner (it all depends on which protection method is used on your phone). If any of the blocking methods are disabled, then all data relating to your bank cards will be destroyed. If the gadget was lost or stolen, then you can remotely erase information about tied cards. In general, it is not worth worrying for safety.

How does Android Pay?

When working with terminals and pay for the purchase in the amount of 1,000 rubles or less, it is enough to include the display of the gadget and attach it to the terminal. In case of more large sums It will be necessary to enter a password or attach a finger to a finger-block sensor. For payment you can use and smart clock.

Android Pay works, both in the physical outlets and online. Many do not go to the shops at all and make purchases on websites or in applications, so Google has taken away the introduction of technology and there. For android works Pay on the site requires support for technology from the owner of the resource. The buyer needs to find a button with green robot And Paim's inscription and click on it. Immediately after that, it will be redirected to the application itself, where, as in the case of payment in real life It will be necessary to remove the lock and confirm the operation. On this, everything, the site or application will instantly understand that the order is paid and issue it.

Possible problems

The most popular question that tweaked on the network after the start of the payment system is "why Android Pay does not work on Xiaomi". The problem really exists, and with it all the owners of Chinese gadgets faced. Yes, Android Pay does not work on Meizu. The reason is the international firmware that users put to translate the language of the interface into Russian.

Another problem with which users encounter is to return the goods. The fact is that the token hiding your details will be saved only for one terminal, and to make a refund, you will have to look for the terminal.

Shares and discounts

The launch of each payment system is accompanied by discounts and shares, which are designed to popularize services in the masses and make people try to try it at least once. From those known today, the shares are worth highlighting a 50% discount on travel to the Moscow metro. 50% discount on the payment of the ticket to Aeroexpress and the same discount on the purchase of any burger in the Burger King fast food network. It works as follows - you pay the full cost per ticket or any other product, and for some time half of the amount returns to you on the map. This means that in the absence of the required amount, it will not work out.

How to enable Android Pay on a hacked phone?

Owners of some devices on which an unstable or hacked version of the operating system are installed with a number of problems when entering bank card data. The fact is that Google (for security purposes) prohibits the use of financial applications in any Android systems other than the original. The problem can be solved by deceiving android program Pay. To do this, you need to hide from it information about the burglary of the system. So, first, you will need the Magisk Manager utility, which will allow you to install and update the Magisk program. Opening the Magisk program, find the Magisk Hide item in it and activate it. Restart the gadget and turn on Magisk Manager again. A list of programs from which you can hide the fact of hacking. We find Android Pay and turn off. As soon as you do, restart the device and try to use the payment system again. Just in case, check whether Android Pay works with your phone (maybe Magisk does not help).

Instead of imprisonment

So what do we have? Another payment system that has been launched too late or a really decent product that people like? Rather, the second, for his army of Google's fans can, without any special problems, compete on equals with Apple and Samsung (given the fact that Android Pay works both on the devices of Google itself and on devices from Samsung). Yes, and people themselves are ready for the new step in this direction. Bank cards are convenient, but the younger generation is much more likely to keep your smartphone in the hands, and therefore, it will be more willing to pay it with the help of it. The discounts also played an important role, possibly promotions will be repeated, and the interest of users will actively warm up for a long time.

Pluses of the Service:

A huge number of devices running with Android Pay.
Different options for protecting payments.
Discounts and promotions.

Cons of service:

Does not work on hacked devices.
Tokens for payment are stored only on Google servers.

What smartphones work android pay

Android Pay works even on low-cost models like Samsung Galaxy A3, LG G4S, Huawei P8 Lite, Sony Xperia. Xa.

1 of 4.

2 of 4.

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4 out of 4.

To pay from the phone, you need three conditions:

android 4.4 Kitkat operating system version or newer

nFC module for contactless payments

map Emulation (HCE)

Android Pay will even earn some of the starts of the beginning of 2013: HTC One., Sony Xperia Z1, SAMSUNG GALAXY S5, LG G3S and others. But not at all. For example, Nexus 7, Galaxy Note 3 and Galaxy S3 no HCE. NFC has most modern inexpensive phones: Samsung Galaxy A3, LG G4S, Huawei P8 Lite, Sony Xperia XA. On telephones up to 10 thousand rubles, it still do not set it. You can not pay via Samsung Galaxy J1, Acer Liquid Z520, ASUS Zenfone Go, LG K5 and other budget models. Another important condition - The phone must be without root access. On a hacked device, the application simply will not start. The craftsmen allegedly found a way to get around the restriction, but we do not advise you to do it on your device.

What cards are tied

At the time of launch, the system worked with debit and credit cards Visa and MasterCard from 14 banks: Ak Bars, Alfa-Bank, Binbank, VTB24, MTS Bank, Opening Bank, Promsvyazbank, Raiffeisenbank, Rocketbank, Russian Standard Bank ", Rosselkhozbank, Sberbank, Tinkoff, Point Bank. Also Android Pay supports the Yandex.Money system. Later with Android Pay, most likely to cooperate other banks and the Mir payment system (it to the already working Apple Pay and Samsung Pay). In the USA to the Android Pay account in PayPal with all connected cards. Perhaps over time, such a function will appear in Russia.

Where they pay through Android Pay

Like other systems, Android Pay works through the NFC protocol, so payments through the phone must go through where the payments on the contactless cards of Visa and MasterCard are operating. Next to the terminals are usually icons of PayPass, PayWave, Apple Pay, Android Pay or contactless payments. At the time of launching a partnership with Android Pay, Spar stores, "Azbuka taste", "Dvorville", "Carousel", "Crossroads", "Pyaterochka", "Magnit", "M.Video", "Ribbon", Metro and H & M , Burger King, KFC, McDonalds, Teremok, McDonalds, Teremok, Coffeehouse Starbucks, Double B, "Chocolate", Filling stations BP, "Bashneft" and "Rosneft". So, in these institutions there should be no problems with payment and cashiers who refuse to accept the payment from the phone. Also in the application adds discount and bonus cards of these networks.

So, for example, Moscow City Hall announced the opportunity to travel on the subway and MCC for 1 ruble when buying a ticket through Android Pay. But passengers that 40 rubles are written off from cards and no refund is made.

How to pay through Android Pay

In the application, click on the plus, take a picture of your bank card and fill empty fields.

To pay from the phone, turn on the NFC in the settings in the "Still". Together with NFC will turn on android function Beam for exchanging information with other phones. Perhaps you do not need it.

Secure the NFC icon in the notification curtain, if you do not want to keep the feature on and enter each time for it in the settings.

When paying goods in the store, unlock the phone (pin-code or fingerprint scanner) and lean it to the terminal - after a couple of seconds, the purchase is paid. If the purchase costs more than a thousand rubles, the cashier may ask to enter a pin-code of the card or sign.

Is it possible to pay from the clock

Huawei Watch. 2 Some of the few smart hours that support Android Pay

1 of 2 2 of 2

Yes, but only with the help of LG Watch Sport and Huawei Watch 2. They correspond to two conditions: have the NFC and the Android Wear 2.0 operating system. But in general, NFC is rarely installed in Android clock. The module is B. Samsung Gear. S3 and Sony SmartWatch 3, but the devices did not update the operation to version 2.0. And the models that are already working on Android Wear 2.0 do not have NFC. To pay from the clock, download the Android Pay application for them, open it and add a map. The clock will open Android Pay on the phone so that you indicate which card is going to use. To pay to run Android Pay on the clock and attach them to the terminal.

How to pay online

How android Pay differs from Apple Pay and Samsung Pay

Android Pay does not create and does not store tokens on a protected chip inside the smartphone, as Apple Pay and Samsung Pay. He gets the cloud keys. Android Pay does not know how to pay on old terminals that do not support NFC. Samsung Pay can.

Android Pay is available to many: it is supported by old smartphones and inexpensive models. The list of devices for Apple Pay and Samsung Pay is much shorter. The first works on iPhones from the sixth, iPhone SE, iPad Air 2, iPad Pr., Apple Watch. (as well as on iPhones with fifth, but through the clock). Samsung Pay supports the Galaxy line with the model S6, Galaxy Note 5, A5 and A7 2016, A3 2017, watch Gear. S2 and Gear S3.

At the start, the list of partner banks that support Apple Pay and Samsung Pay was significantly shorter. Android Pay immediately started with a large contract package. But the Android Pay geography is still relatively small. In addition to Russia, it has been launched in 10 more countries. Apple Pay and Samsung Pay also works in 5-6 other states.

What devices are suitable

How to pay

How to turn off AndroidP.aY.

And our clients will be able to try a new application for contactless payment among the first. Yandex.Money cards are ready to work with this service.

What devices are suitable

Suitable phones with NFC and version Android 4.4 and higher (that is, almost all smartphones, published after 2013) and the clock with Android Wear 2.0. You can see the version of your operating system in the settings by selecting "Device Information".

Install the Android Pay application and add the Yandex.Money card to pay: plastic, and virtual. At the time of binding from the account, scrolls 30 rubles, during a couple of minutes the amount will be back.

How to pay

To pay purchases from Android Pay on the smartphone, NFC must be turned on. At the checkout, unlock the smartphone and bring it to the contactless terminal. The phone will call the Android Pay application (if you have chosen it for NFC payments) and will suggest confirming the payment by the print or your password to enter the phone. For purchases more expensive than 1000 rubles, the cashier will ask to sign on the check or enter a PIN from the card, if required by the payment terminal.

How to turn off AndroidP.aY.

To do this, disconnect the contactless payment in the Android Pay or NFC settings in the settings of your smartphone. Return to contactless payment using the Yandex.Money application can be in the contactless payment settings on the device.

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What devices are suitable

Phones are suitable with NFC and the version of Android 4.4 and higher (that is, almost all smartphones released after 2013) and the watch with Android Wear 2.0. You can see the version of your operating system in the settings by selecting "Device Information".

If you are already using the Yandex.Money application for Android with NFC and want to try Android Pay - you will need to change in the phone settings application used to pay default. When you touch the terminal of payment by a smartphone, the last selected application will be launched.

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How to pay Yandex.Money with Android Pay

Android Pay comes to Russia, and our clients will be able to try a new application for contactless payment among the first. Yandex.Money cards are ready to work with this service.

What devices are suitable

How to pay

How to turn off AndroidP.aY.

You will like it - if you can take advantage.

Google finally launched its payment system similar to our Apple Pay readers. Both payment methods are used to work as a smartphone with a bank terminal NFC technology and should facilitate our lives.

Is it so?

Installation: Someone is easy, someone never

The first thing I was made in the morning of May 23 - installed Android Pay. Since in my ZTE Axon 7 there is NFC and installed official firmware (Despite the purchase of a smartphone in China), there were no problems when installing and the first launch.

Unlike many of my acquaintances using "gray" devices - especially often in Xiaomi span. A detailed experiment showed that the Android Pay application may not work in cases:

use informal firmware (including CyanogenMod);
use of system modifications affecting the loader (patches);
using a modified loader (TWPR or similar);

unlocking the bootloader in the system settings (menu "for developers") or otherwise (including the official Unlock Xiaomi);

installation of the informal version of the operating system (modified "firmware from the seller");
the impossibility of determining the location in Russia (in MIUI and some other systems).

Android Pay safety on your fingers

The application checked whether the screen lock is enabled. The information is picked up from the settings of the smartphone, there are no two-factor authorization at this moment. Therefore, if the payment once was made from Google account, it will not be necessary to enter anything - and the common problem with the address will go by itself (I did not come across, honestly).

Unlock the screen when paying for accounts up to 1000 rubles It is not required, it is enough to turn on the backlight. Amount over 1000 rubles will require authentication with a password, graphic key or fingerprint.

To write off means you need the Internet - the key for the operation is created in cloud storage Google. Notifications in the presence of communication is instant - and the card can be blocked, cancel the operation or at least contact technical support.

UPD: The Internet is required not at the time of the operation - the keys are stored up to 1 hour.

Maps and accounts: you can all

The next step towards the conquest of contactless payments android-smartphone was the addition of a card. A list of banks running from Google in this direction is small, although sufficient for most users. The World Maps are not yet supported, the application allows you to add only Visa or MasterCard with CVV / CVC code.

Without problems, Alpha Bank, Sberbank, Rocket and Tinkoff (last - with zero balance) were attached. Visa "Binbank" was not attached.

UPD: According to the official representatives of Binbank, on this moment The application employs their MasterCard.

3 ways are available for adding:

from the Google account, if the corresponding data has been saved - additional confirmation of the Card code will be required;
with the help of the scanner - it must be brought to the card number, then the application will do everything alone;
manually entering the card number and indicating the issuer bank.

When adding, you will need to confirm the operation by entering the verification code from SMS (do not forget about the appropriate service). After that, the Issuer will make it read the conditions of the card issue.

Yes, you did not hear - tie a map to Android Pay, we actually release an additional virtual card with the relevant legal conditions!

If you dig in the document, it turns out that similar method Payment is not protected by no worse than plastic payment facilities - and taking into account the Google security system, probably even better.

Bonuses and partners: how the application will replace the wallet

The application contains a wide list of Google partner stores. But now for all stores from the list, you can add loyalty programs that will be used directly at the checkout. With reservation:

Bonus I. gift cards You can add only if there are barcode on them.

Therefore, my old map "Killfish" remained offline, but "Gulliver", "Vita" and "KB" now only in the smartphone.

Later Android Pay. can be Use for purchases in applications - After the developers of these applications will implement a button for payment. But for now, none of the stated Russian stores while this service does not offer.

Smartphone instead of a card in a small town

The first of the stores in the performance test was "tape". Surprisingly, the seller at the checkout tried to help with payment. The queue stops waiting.

The experiment failed: neither the launch of the application, nor the direct contact of the smartphone with the terminal, nor an attempt to move the "axon" was not crowned over him. Also failed a few more attempts in partner stores.

And then I turned off the unlocked bootloader in the settings. And rushed.

Further walk through Native Ulyanovsk showed that society was already accustomed to pay using a smartphone. No one bothers, with problems or non-development - try to help.

Fortunately, the latter practically does not happen due to the fault of the buying. The algorithm "turned on NFC, put a smartphone to the terminal for a few seconds, waited for the payment of payment" It is impossible to make a mistake.
In the presence of an SMS service of the Issuer, the standard will come text message - Moreover, without commenting on the use of the card through Android Pay.

Problems can only be in the absence of communication - and such cases in their fault is still avoided. Google warns that the payment can go through a few minutes. How to be in practice in the event that I had to pay in cash, and the money from the card was debited - until it is not very clear (unlike cards).

Pay for the purchase of S. using Android Pay really can be in any payment terminal With NFC support (supporting wireless payment) and appropriate marking on the case or screen:

And it does not depend on the store, seller, goods or check amounts. Whether it is a major supermarket or a tiny farm store: I was able to pay a smartphone in all terminals with support for wireless cards coming in 3 days.

Tip: For the first time experimenting better in large partner stores to avoid confusion with the application setting.

Automatic use of loyalty cards when paying does not occur. First you need to scan the map image on the smartphone screen or touch the appropriate terminal - and only then pay, already with the help of the banking device.

Some technical moments

Do not forget that Android Pay is not a built-in system function like Samsung Pay or Apple Pay. This is a separate application you want to download and install from Play Market.

After installation it is constantly hanging in the background as system process. True, occupying an insignificant amount random access memory. Yes, and the total power consumption with NFC is completely unnoticed.

It is worth remembering that not every smartphone is suitable. Need:

operational android system 4.4 and older;
nFC module for contactless communication;
support technology emulation cards (HCE).

Otherwise, the installation will not take place. And if the presence of the root or modified system for Android Pay can be hidden, the absence of one of the above requirements will invariably lead to failure. Despite the fact that these conditions are indicated on each fence, many complaints about the service are related to these violations.

Android Pay can be used on smart clock. At least officially. But for this you will need LG Watch Sport and Huawei Watch 2.because the application is installed only on Android Wear 2.0 and requires module NFC.. These conditions correspond only to these specified models.

In Russia, finally a mobile payment service Android Pay. It should be noted that he came to our country late for almost six months compared to the rapidly gaining momentum with the "apple" service and its Korean analogue.
According to the basic principles of work, Android Peies is practically no different from competitors. This contactless service in the same way requires the phone to work on Android 4.4 and higher, as well as supported the function of the near contactless communication NFC.

From the implementing devices today, the list of supported devices is small. This is mainly the latest models of top and medium price range phones. Among them can be noted Samsung Galaxy (A3, A5, A7, J5, J7, S7, S8), Xiaomi Mi5, LG (K6, G3S, G4S), Huawei Honor and Sony Xperia in the price category over 12 thousand rubles. Unfortunately, in popular inexpensive phoneslike Samsung Galaxy J1, ASUS Zenfone Go, Meizu, Highscreen, Dexp, Phillips. Over time, support will appear on cheaper devices, but old models, of course, will not work.

The main difference between Android Pay from competing payment systems Apple Pay and Sansung Pay - this is what the smartphone service does not necessarily have a fingerprint scanner and you can pass the authorization through the old good PIN code or a graphic password.

In addition, it works on all terminals with contactless payment. Support for additional protocols is not required.
Well, another weighty plus - using Android Pai, you can pay for applications and content in Google Play..

What banks support android pei

The Android Payment payment system in Russia earned on May 23, 2017 and at the time of launch works perfectly both with MasterCard cards and more familiar to Russia - Visa. The electronic payment system "Yandex.Money" is supported, as well as in the near future they must earn new cards of the "World" system.
14 banks are supported:
- Sberbank
- Alfa Bank
- Binbank
- VTB 24
- Opening
- MTS-Bank
- Promsvyazbank
- Raiffeisenbank
- RocketBank
- Rosselkhozbank
- Tinkoff
- Russian standard
- AK Bars
- Point
The next time the list of counterparties will be significantly expanding.

How to install Android Pay on the phone

The application installation procedure is simple and no different from other applications. Go to Google Play, we find the program:

click the "Install" button and wait until the program is installed.

Then go to the phone settings and in the "WiFi and Network" section choose the item "More".

Here you need to check the NFC. At the same time, the Android Beam feature is activated that is responsible for transmitting data.
Everything, now the application can be used.

Attention! The Android Pey program will not be able to use if the bootloader is unlocked on your phone and root rights are obtained. An error "Android Pay is not supported on this device will be issued. She looks like this:

True, the forums met information that the restriction was managed, but it was not possible to come across the real examples.

Is it safe?

In fact, to use Android Pay on the phone much safer than analogues from Apple and Samung, although the protection is made on them summit. When you bring a smartphone to the terminal, a special disposable key length in 16 characters is transmitted over a wireless radio channel. This is the so-called token, which is generated in google clouds And comes on the Internet connection. That is, they are not generated on the device itself.

You can, of course, use the service and without active connection to the global web, but then the phone will use the keys stored in its memory. Also, the terminal is transmitted telephone number and information about which payment network is used - MasterCard, Visa or the world. No data about the map itself is sent.

How to add a map

Run the program and click on the "Add Credit or Debit Card" button. Then you need to put the camera on your card and take a picture of it so that the application believes the data. Next, it will be necessary to manually enter the CVC code (on back side Cards) and the address of the owner. Next, it will be necessary to check the bank and enter the code obtained via SMS.

Add map B. Google Android Pay can be several times. In this case, you will need to specify the one of them that will be used by default.

How to use Android Pay to pay

In order to pay for purchases using the phone with the connected service Android Pei, you just need to unlock the phone and bring it to the terminal that supports the contactless payment. Usually they are indicated by such stickers:

Note: In modern supermarkets, major trading networks such as Magnit, Auchan, Crossroads, Carousel and other network companies, most of the old terminals have already been replaced with modern, able to conduct contactless payments. Including paypass.

Guglovskaya payment system There is one more comfortable feature - Online payments on the Internet through a web browser. That is, if necessary, something to buy, you press the button and vua-la - payment is made! In the future, this button will integrate into other applications. For example, now she is already in Yandex.Taxi, Uber, Wildberries.

It is possible to use Android Pai with smart watches. But again, they must support NFC technology. For example, Samsung Gear S3, Huawei Watch 2, LG WATH Sport. Second demand - operating system Must be updated before Android Wear 2.0.