17728 Android Pay three months later: are Google to "cache-Apocalypse"?

Android Pay three months later: are Google to “cache-Apocalypse”?



To predict the future a modern smartphone can not yet, but it certainly can change it. Imagine: 2018, humanity EN masse refuses cash, each opens a Bank account, touches the card to the contactless payment application and sends a “cache” to the dustbin of history. Governments in a panic, blow away the dust from the gold reserves outside of cities is unfolding witch hunt with smartphones… Know how far (or close?) this scenario is from reality. What happened to Android Pay after three months from the moment of occurrence in Russia?

No, on direct competitors of the service payments from Google we have not forgotten. Apple and Samsung will also participate in a hypothetical financial revolution, if you will make their services more accessible to people.

Android Pay спустя три месяца

Meanwhile, Apple Pay and Samsung Pay supports only a small number of devices. Android Pay is going to work on all devices with Android 4.4 and above and with a special NFC chip. The world service has been operating for more than a year (two years), and in Russia more than three months, from 23 may 2017. It’s time to see how well Google worked on the bugs, and banks and retail outlets — implemented the service in its ecosystem. We collected information on the forums, analyzed the insides of the banks took into account personal experience and, armed with a cheap smartphone with NFC Motorola Moto G5S, went to check to see how Android Pay has taken root and resolve at the start of the problem.

The technical aspect and security: new challenges not found

When the service starts it was about the fact that contactless payment Android Pay will be supported by only terminals marked with these icons:

Android Pay спустя три месяца Android Pay спустя три месяца

But it is theoretically supported by any Android Pay terminal contactless payment. The point is simple: Moto G5S, like most Android smartphones does not have a separate crypto processor (like Apple), and vendors do not develop special software for protection of contactless payment (like My Knox for Samsung). Instead Google starting with Android 4.4 OS level embeds the emulator Bank (and not only) cards HCE meeting all safety requirements. When paying for terminal sees the smartphone that pretends to be a Bank card, namely the card — a virtual, disposable with an automatically generated key that is passed to the Bank to identify the payer. Read more about the technology read here. Presumably, is the security technology of the NSE have delayed the launch of Android Pay, compared with less fragmented competitors.

Our investigation three months later the Moto G5S showed no problems with the support of the payment system. All tested terminals (four different models in over a dozen different shops and cafes) working successfully with Android Pay. But users on the forum 4PDA continue to face challenges: the “map” is not defined (this “plastic” when it is read without problems), on the contrary, is determined, but it is not payment.

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The reasons may be different:

  • the device options (popular problem owners Xiaomi);
  • specific settings of the terminal.
  • the policy of your Bank regarding contactless payment methods.

Each case must be dealt with separately and to start is to eliminate snags with your smartphone using the free tool, SafetyNet. She checks the phone on a NFC availability, no root-rights and the status of the loader lock.

Android Pay спустя три месяца

According to the results of the check, with Moto G5S difficulties have arisen: is attached to the card were being read by any terminal and without dances with a tambourine.

During the summer, Google has updated the Android Pay also substantially modified. Unlocked bootloader and the availability of third-party firmware, in some cases, ceased to be a problem — get the application installed and working. Root is still prohibited, and it is certainly not going to change. On Samsung devices the service worked even though My Knox, despite claims to the contrary, Google is also fixed (not all Google said thanks). Some bugs have been fixed and continue to improve with the developers of third-party firmware, in particular, the same MIUI. The solution to some difficulties with Android Pay can be found in the corresponding forum thread.

Android Pay спустя три месяца Android Pay спустя три месяца

From the point of view of security Android Pay did not disappoint: not one case of theft of money or data attached to the map service is not fixed since the start in Russia. The fraud of the XXI century, contrary to some fears, not run around the streets with a mobile terminal, removing the money from the onlookers with smartphones in hand. Even if the thief manages to get the terminal to transfer without additional confirmation of more than 1000 roubles it will not work, as well as to then remove the money from the account. In other words, not worth powder and shot — such theoretically valid, but practically impossible.

The introduction of Android Pay: Bank and commercial ecosystem developing

At the start in Russia, the service supported a few banks, but the largest are: “Sberbank”, “Alfa-Bank”, “Raiffeisenbank”, “Tinkoff Bank”, “Opening”, and about a dozen. However, while the US packs connect new banks and other financial organizations in Russia, the list remains remarkably unchanged: only the end of the summer he was joined by the Bank “Saint-Petersburg”. However, on the official website of the service are not yet added.

Android Pay спустя три месяца

By the way, about payment systems MasterCard and Visa, lit up in the screenshot above. MasterCard was originally supported by all banks, while the Visa — only some. But gradually corrected and this situation: “Rosselkhozbank” added support for Visa on August 8, Gazprombank — 5 September. At the time of publication of this article do not support Visa only “Russian Standard” and “Promsvyazbank”. Since mid-August, “Sberbank” allows you to connect your Visa Electron and MasterCard Maestro alas, no. Supporting detail cards of each Bank can be viewed within the app Android Pay at “Three-point → participating Banks → *your country*”.

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Android Pay спустя три месяца

Regarding offline points already mentioned: despite the whole set of brands on the official website of the service, you can come with the phone at all since store the appropriate terminal and quietly pay.

Gradually introduce support Android Pay relevant to the application: now you can pay pre-attached to the Google map, but not to enter payment details every time — convenient and secure. At the time of publication of this article Android Pay is integrated into the Russian services of Uber, “Poster”, “Rambler cash Desk”, Lamoda, OneTwoTrip and joined the list in early August, the airline UTair. Now when making the purchase is not necessary each time to enter your details, just choose the payment method — Android Pay.

Android Pay спустя три месяцаUber Android Pay спустя три месяца“Bill”

However, UTair still listed “coming Soon” on the official website along with several other popular services.

Android Pay спустя три месяца

By the way, on flights and travel to other countries to pay by card via Android Pay will work in any state of the running system. At the moment it is 14 countries, including USA, UK, Japan, Poland (full list can be viewed in “Wikipedia”). The translation of rubles in the national currency according to the exchange rate of the Bank card is charged the purchase.

Promotions and bonuses for Android users Pay: prospects for the future

Promotions and bonuses are the “killer feature” of the service, and then when you start in Russia, something went wrong: the promised trip to the metro within one month for one ruble first turned into a 50% discount tomorrow, and then cancelled. However, for the first 3,000 travel on Aeroexpress trains half the cost really return the cashback on the card — all as promised.

In addition to this summer has seen two major promotions for users of the service: refund of 50% of the cashback for burgers at Burger King (from 23 may to 23 July) and return 10% of the cost of gasoline at gas stations “LUKOIL” points to the card of the loyalty program of the company (from 26 July to 26 August). Starbucks, in turn, distribute them to the “androidpit” cookies (Oreo) — a trifle, but nice.

Android Pay спустя три месяца Android Pay спустя три месяца

With the stock summer were also technical difficulties: sometimes the money and the points are simply not returned (though the cookies were given regularly). According to reports on the forum, the reason for this failure lay on the side of the Bank or retailer.

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App Android Pay connect natively supports gift cards and loyalty programmes: they are entered into the database together with the barcode, which is read by the scanner with the screen of a smartphone. Here intervenes the human factor: many cashiers are not aware of the magical capabilities of a smartphone and therefore can either read the wrong scanner, or even to claim to provide “plastic”. Map “Crossroads” and “M-Video” featured on the website Android Pay a separate picture, but in fact the only advantage is the ability to control the bonus points program directly in Android Pay.

Android Pay спустя три месяца

Today any significant actions related to Android Pay, in Russia do not exist, but in the future will appear. In order not to miss them, it makes sense to track in social networks not only Android Pay, but also ads from interested banks, shops, cafes and so on.

Insights

Public statistics on the use of Android Pay in Russia yet. One thing is clear: if a “cache-Apocalypse” does happen, Google will be ready. The search giant has created and successfully entered the private — one of the largest in the world, for a moment, ecosystem payment service which really works. Yes, not without interruptions and difficulties. But this is not surprising, given the fragmentation of mobile devices, payment terminals and payment systems (Visa, MasterCard, “World”). By the way, about “the World”: when you start Android Pay the possibility of its connection to the system is promised before the end of the year, so the wait is long (but not exactly).

2

Meantime, it’s safe to say that Android Pay came and will not go anywhere. It will evolve — it’s all in the hands of partners that will connect to the service and promote it through bonuses to users. The process is not too fast, but Google is no hurry for users on Android and so the vast majority, many have NFC, and the existing partner banks cover a significant portion of Russia’s population.

Our weekly race with Moto G5S and Android Pay checks confirmed that the service works in Russia, correctly and stably, and even if the author has forgotten a wallet with money and cards (there were some), no lunch, he was gone. Any difficulties or problems either with your smartphone or terminals have emerged. The verdict: the search giant has done its job and can focus on other areas, and Motorola at the time supported the “payment” for and made real and available Android Pay even on a mainstream smartphone with a Snapdragon processor 430.

To know the cost of Moto G5S

The author of the text: Max Dvorak

Source: 4pda.ru

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