If you have an Android phone, then I have good news, payments have been earned in Russia Android Pay, you can try to pay directly from your phone without taking your card out of your wallet. In principle, it was possible to pay for purchases earlier using an Android smartphone, for example, Tinkoff-Bank supports such operations, but for this you need to launch the application every time, confirm the payment by performing unnecessary actions.

Which banks do they support?

So far, the list of banks consists of such organizations, and subsequently it will grow.

• "Alfa Bank";
• Ak Bars Bank;
• B&N Bank (at the time of launch only MasterCard);
• "VTB 24";
• MTS Bank;
• Otkritie (including Rocketbank and Tochka);
• Promsvyazbank;
• Raiffeisenbank;
• Rosselkhozbank;
• Russian Standard (at the time of launch, only MasterCard);
• Sberbank;
• Tinkoff Bank;
• Yandex.Money (MasterCard only).

What phones do they support?

All smartphones on Android I am tortured to list here, the main thing is that there is NFC support, and the phone has Android 4.4 and higher. In addition, the list of requirements includes the presence of an official firmware, no custom. Also, the phone must be without root and without an unlocked bootloader. If you don't know what it is, that's great, but if you have already delved into the phone's stuffing, then don't be surprised that there may be problems.

NFC works in most mid-range phones, but with budget models problems, there are not so many options with NFC. It is clear that if you have a top-end Galaxy or Xiaomi, then this issue is not discussed, you will have NFC.

Accordingly, don't forget to enable NFC in the settings. And do not worry, this function does not consume battery power.

Where can I get the application?

In theory, the program can be found in Google play, but at the time of preparation of the material, the utility could not be found by search. I think that there should be no problems after the official launch. Here is a link to the Android Pay app.

How do I set up my phone?

The process of setting up the phone is simple, just enter the CVV code and that's it - the application will take the rest of the card data from Google account if you have previously added a map for purchases on Google Play. If not added, then the process will take a little longer. Open the application, enter the card details: number, owner's name, CVC code. Or use a camera for this, the phone will scan everything itself without unnecessary actions.

You may also need to enter your fingerprint and PIN to confirm the action for added security.

You can enter several cards, and when paying, select the one you need in the application.

Do you need to pay for anything else?

No, the service is free, no commissions or subscription fees.

Where can I shop?

Yes, in principle, anywhere, as long as the terminals support PayPass and PayWave systems. Bring your phone to the terminal and pay; for purchases under 1000 rubles, a PIN code is not required, but sometimes you need to indicate it or sign the check. If the transaction was successful, you will hear a signal confirming the payment. Then an SMS with the rest of the money on the balance will come, if, of course, such a service is connected.

It is safe?

Yes. During payment, a one-time code is generated, and the data of the card itself is not used. Even if someone intercepts this information, they will not give anything to the attacker, useless data.

Opinion

I could not add the Sberbank Master Card, but with VISA Alfa-Bank and Tinkoff everything was fine.

I have been using Apple Pay for a long time, at times I also paid through the Tinkoff app on Android phones. Turn your smartphone into payment system Is a great idea, especially when used in conjunction with a watch. I put it in and went further, for shopping in stores, the means for an easier parting with finances could not be imagined. The main thing is that the terminals work and everything is set up, otherwise problems sometimes arise, and some establishments in Moscow still work only by cash. It is impossible to completely say goodbye to paper money, but life becomes more convenient, this is a fact.

For shops, tech-savvy people are a godsend. Customers are more likely to shop simply because they like new way to spend money. This time. The second point - people go through the checkout faster, less hassle, more sales. The third point is reliability, simplicity and mobility.

You've probably heard about a special service for paying for contactless payments. To actively use this useful application, it is worth dealing with the question of which terminals it supports.

Terminals for Android

Before starting to deal with specific recommendations, let's briefly define what kind of equipment it is. These devices include merchant reading machines for payment through payment systems and (other options are possible) with a contactless sensor for reading information.

The most important question that worries users - what terminals does Android pay work on? The service functions to accept payments on all trading terminals with specific graphic icons. It could be a green android with PAY written in a circle. Or the logo may look like this: a brush with a map stretches to the oval, in which curved lines are located (such an icon usually denotes a link). The image is made in black and white colors. The logos described are referred to as Pay Pass or Pay Wave.

How do I know which terminals accept Android pay? To facilitate the search for available payment points, the application provides a function to search for valid reading devices and determine their location. To do this, go to the Android pay service and click on the corresponding icon (a gray circle with an inverted drop, in the center of which is a dot).

Conditions for possible compatibility of a smartphone or tablet with contactless payment equipment:

• Device OS version KitKat 4.4 and higher;
• the presence of an NFS sensor;
• inactive status of the Knox service on Samsung models;
• official firmware, activated bootloader lock, disabled root-rights.

The sequence of actions when buying through the terminal:

How do I bring my phone to the terminal?

When performing the action, hold the phone as follows:

What if the payment terminal does not see Android pay?

1. We take the phone out of sleep mode and unlock it to start the active mode of operation. You don't need to open a contactless payment service.
2. The short-range radio chip is located at the bottom or top of the smartphone body. It is possible that the terminal does not read data due to the wrong location of the chip. Changing the position of the device, by smooth movement, will allow you to place the NFC antenna in the desired position.
3. Hold the device for a longer time.
4. Check the settings for which Android app pay must have a default payment status. To do this, go to "Settings", "NFC", "Contactless payment".
5. Check the information on accepting payments in the store through the service.

The date of the official launch in Russia of the payment service from Google - Android Pay happened on May 23, 2017! The owners of smartphones running the operating system of the same name are happy and, of course, wonder what devices this service works on.
The list of devices that support Android Pay is quite extensive, and this is its advantage over counterparts focused on only one brand.

Android Pay compatibility with your gadget

Your gadget will be fully compatible with only two components. It:

1. Operating system Android version KitKat4 and higher. This version works successfully on models of almost any brand that came out after 2013. View version of your operating system you can in the "Settings" by selecting the sub-item "Device Information". For more details, read with us.
2. The developer version of Android will not work either.
3. The next item will be the presence on your or another Android gadget of a module that is responsible for contactless data transmission (NFC module). If you do not know for sure whether there is such a function on, say, a phone, you can clarify the information in its technical characteristics... In addition, on some smartphones and tablets, the contactless data transfer function must be enabled additionally in the settings. Read about that in our article.
4. You don't have to own a rooted smartphone. Also, Android Pay cannot be installed on a smartphone with an unlocked bootloader. Thus, Google strives to protect customers from fraudsters: devices with an unlocked bootloader are less secure. About that, see the information with us. Anything is possible 😉
5. The phone should not have Samsung app MyKnox.
6. The device must be certified by Google.

And there are still some phones that seem to fit, but still use on them payment service will not work:

• Samsung Galaxy: Note III, Light, S3
• Elephone P9000
• Evo 4G LTE
• Nexus 7 (2012)

Well, that's all, you must agree - a little. Today, there are about 40% of Android gadgets with corresponding characteristics. That is, apart from almost any smartphone or tablet last generation, the service can be downloaded, for example, on a phone that was released in 2014. And to them in any point of sale, where contactless payments are accepted, and there are a great many of them today. If you want to know, go to the corresponding article.

Bank cards have imperceptibly entered our life, have become a part of everyday life. Until a few years ago, payments without the use of cash seemed unusual. And today at least 2-3 cards are in use by everyone.

At the same time, progress does not stand still. Contactless payment services are becoming more widespread every day. With their help, you can aggregate all the necessary cards in your smartphone, which is always with you. In the meantime, the original plastic can be stored in a safe place to avoid damage or loss.

On May 23, 2017, Android Pay, a contactless payment service from Google, launched in Russia. Unlike competitors, the new application supports all smartphones and tablets with OS version from Android 4.4 KitKat, as well as watches on Android Wear 2.0! To make payments, the device must be equipped with NFC.

How to install Android Pay

Installation and Android customization Pay is a simple procedure that even a novice user can handle.

1. First, make sure your smartphone is equipped with NFC using a dedicated app.

Read carefully the terms and conditions of the issuing bank.

To use the service, you need to activate a secure screen lock.

The last stage is to confirm the card using SMS or a call to the call center.

Attention! After adding a new card, a test payment of 30 rubles will be debited from it. After a while, the money will be returned to the account.

You can also add a new card. This will require all the details: card number, expiration date, security code and the holder's billing address. The room can be rented in automatic mode with the help of photography, however, the recognition quality is poor.

Unfortunately, performance on some smartphones is not guaranteed. In particular, the service is not available on Xiaomi devices, including those with official firmware and a locked bootloader.

How and where to use Android Pay

Pay with using Android Pay is really convenient! The only requirement for the terminal is support for contactless cards PayPass / PayWave... Already today, terminals of the old type are the exception rather than the rule, and every day there are less and less of them.

To pay you need bring the smartphone with the activated display to the POST terminal... The transaction can be performed offline, without an Internet connection. In case the payment amount exceeds the safe limit of 1000 rubles, you will have to unlock the device and enter the traditional PIN-code.

Unlike traditional maps, the service provides detailed information about each transaction, and information about the location of the terminal is also attached.

The practical application of Android Pay is not limited to non-cash payments. Application developers can use a dedicated API to integrate new method payment. That in the long term will simplify the payment for services online, the need to manually enter card details every time will disappear by itself.

Residents and guests of the capital have the opportunity to pay for metro and MCC fares using their smartphones. Despite the fact that initially it was about tariffs at the level of 35 rubles per trip, the fare is 40 rubles, as in the case using Apple Pay. The Moscow City Hall also “Travel by metro or MCC for 1 ruble in the first month”, however, at the last moment, the conditions changed, the actual discount is 50% from 40 rubles. On practice, new function works unstable, presumably due to incompatible validators. And the lucky ones who paid for the metro via a smartphone report the invalidity of the proposed action.

Extremely useful function- aggregation of discount and gift cards. The list of partners includes not only large chains, but also small regional stores. In addition to emulating contactless cards, the system is capable of simulating a barcode to be read directly from the display.

How secure is Android Pay?

After a cursory acquaintance with the capabilities of the service, a natural question arises about its safety. After all, the payment is carried out literally in one touch, it seems that illegal access can be obtained just as easily. But this is far from the case! Android Pay has been operating for over two years in the USA, UK, Australia and some other countries. When launching a service in our country, all the accumulated experience is used, which allows avoiding unforeseen situations.

Scheme Android work Pay

The mechanics of the operation of such systems deserves special attention. Payment security is the foundation modern services! The data of the entered maps is not explicitly stored directly in the device's memory; a special remote storage has been created for them. At the disposal of the smartphone is only an electronic impression, which becomes useless separately from mobile device, which eliminates the threat of data theft. Temporary tokens are used to communicate with the terminal, and any operation is confirmed by the issuing bank. Theoretically, the data intercepted during payment does not contain important information and is intended for one-time authorization.

Also, do not be afraid of unauthorized payment by touching the portable terminal on the smartphone. The switched off smartphone will detect the terminal, which will notify it by vibration, however, in order to make a payment, you will need to activate the display. Or enter a password and PIN if the payment amount is more than the secure limit of 1000 rubles.

No matter how reliable the system is, no one is immune from mistakes, including large corporations... Therefore, additional precautions do not interfere. The rule a separate card for online purchases fully applicable to contactless payment services. A special account with a small amount of pocket money is the best way out. Translate additional funds across Personal Area the bank, if necessary, is not so difficult, and the consequences of losing the main card may be irreparable!

Superuser rights in combination with Android Pay completely shifts the responsibility for the safety of data to the user. By default, the application is blocked on jailbroken smartphones; security systems are used for verification SafetyNet... Therefore, bypassing the blocking in this situation is a matter of chance, there is no unambiguous methodology. Wherein, it is highly discouraged to use the service on jailbroken devices, the consequences can be unpredictable!

Conclusion

Launching Android Pay on the territory of Russia is another confirmation of what is coming new era in the world of payments. Contactless payment is really worth trying on yourself, especially in the summer season, when you don't want to carry something extra with you, including traditional means of payment.

Android Pay looks quite attractive as a service, primarily due to the wide coverage of user devices at the start. It should be admitted that NFC is a common feature in the android world. In addition, in the near future, many promotional companies are expected to popularize, because each of us loves pleasant bonuses and discounts!