If you have an Android phone, then I have good news, Android Pay payments have started working in Russia, you can try to pay directly from your phone without taking the card out of your wallet. In principle, it was possible before to pay for purchases using a smartphone on Android, for example, Tinkoff Bank supports such operations, but to do this you need to launch the application every time, confirm the payment, performing unnecessary actions.
Which banks support?
So far, the list of banks consists of such organizations; subsequently it will grow.
- "Alfa Bank";
- Ak Bars Bank;
- "Binbank" (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 support it?
I’ll be too tired to list all the Android smartphones 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 official firmware, no custom ones. 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’ve already dug into the phone’s internals, then don’t be surprised that there may be problems. 
NFC works in most mid-range phones, but there are problems with budget models; there are not many options with NFC. It’s clear that if you have a top-end Galaxy or Xiaomi, then this issue is not discussed; you will have NFC.
Accordingly, do not forget to enable NFC in the settings. And don’t worry, this function does not consume battery power.
Where can I get the application?
In theory, the program can be found on Google Play, but at the time of preparation of the material, the utility could not be found by search. I think that after the official launch there should be no problems. Here is the link to the Android Pay app.
How to set up your 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 your Google account if you previously added a card for purchases on Google Play. If you didn’t add it, then the process will take a little longer. Open the application, enter the card details: number, owner’s name, CVC code. Or use the camera for this, the phone will scan everything itself without unnecessary steps.
Confirmation may also require you to enter your fingerprint and PIN code for added security.
You can enter several cards, and when paying, select the one you need in the application.
Do I need to pay for anything else?
No, the service is free, no commissions or subscription fees.
Where should I shop?
Yes, in principle, anywhere, as long as the terminals support the PayPass and PayWave systems. Bring your phone to the terminal and pay; for purchases up to 1000 rubles, a PIN code is not required, but sometimes you need to indicate it or sign on a receipt. If the operation was successful, you will hear a signal confirming the payment. Then you will receive an SMS with the remaining money on your balance, if, of course, such a service is connected.
It is safe?
Yes. During payment, a one-time code is created, and the card data is not used. Even if someone intercepts this information, it will give the attacker nothing, useless data.
Opinion
I couldn’t add a Sberbank Master Card, but everything was fine with VISA Alfa Bank and Tinkoff.
I have been using Apple Pay for a long time, and from time to time I paid through the Tinkoff app on Android phones. Turning your smartphone into a payment system is a great idea, especially when used in conjunction with a watch. I applied it and moved on; for shopping in stores, I couldn’t think of a way to part with finances more easily. The main thing is that the terminals work and everything is set up, otherwise problems arise from time to time, and some establishments in Moscow still operate only in cash. It’s not possible to completely say goodbye to paper money, but life is becoming more convenient, that’s a fact.
For stores, tech-savvy people are a godsend. Shoppers are more likely to make purchases simply because they like a new way to spend their money. This time. The second point is that people go through the checkouts faster, there is less hassle, more sales. The third point is reliability, simplicity and mobility.
The moment has come when Android Pay has reached Russia. The official release date in the Russian Federation is May 23, 2017. The new payment method is of great importance because... About 80% of the population has an Android phone. Accordingly, it is necessary to sort out some aspects of the new product.
is a technology that allows you to make contactless payments using an Android phone. To use it, a special application “Android Pay” is installed on a smartphone (or on another suitable device, for example, a smart watch), in which plastic cards are “scanned”.
Which banks support this technology?
A complete list of banks and payment systems that support Android Pay. At the time of writing this article, these are 14 banks and 1 payment system.
- Sberbank
- Yandex money
- VTB 24
- Binbank
- Promsvyazbank
- Opening
- Rosselkhozbank
- Dot
- AK Bars
- Alfa Bank
- MTS Bank
- Raiffeisenbank
- Tinkoff Bank
- Rocketbank
- Russian standard
How to start using it?
Download the application from Google Play. Download exactly from there, no need to install the application from third-party resources!
Next, add a card. To do this, the application will open a camera through which you must scan the desired plastic card. Then enter the date and CVC code. Wait for an SMS message from the bank and enter the code indicated in it. A test 30 rubles will be debited from you, and after a short period of time, they will be credited back.
Is it safe?
Yes, this payment method is safe to use. There will be no actual linking of real data to any transaction. When paying, new sets of symbols will be generated in the “cloud” each time, replacing real data. The real details are stored on Google servers in encrypted form.
When entering the application, you need to unlock it (standard: enter a PIN code, pattern, etc.), the screen lock is set during installation. In case you want to disable the lock, the data will be erased.
If your phone is stolen or lost, you can block or delete data remotely through the service Android Device Manager.
What is needed for the application to work?
Operating system Android, version no lower than 4.4
Availability of a working NFC chip
Attention! If your device is rooted or has unofficial firmware installed, then there is a chance that the application will not work. The same applies to Chinese phones purchased, for example, from Aliexpress.
Do you need internet when using android pay?
Another question that interests many is whether Android Pay can work without the Internet? It can, but not for long. The fact is that information about transactions is stored in the Google cloud, in encrypted form. Accordingly, without connecting to the network, Android must use tokens from the phone’s memory. And this, approximately, multiple transactions. As a result, you will be able to pay for purchases several times without connecting, but then the application will ask you to go online.
Android Pay - how to use
The process of using the application itself is very easy: you just need to bring the phone to the terminal and enter the PIN code (for purchases up to 1,000 rubles, you do not need to enter the code, the code will not be requested).
If a payment is made in an online store, you need to click on the appropriate icon (it will be highlighted there), and you will be taken to the application to make the payment.
If there are several cards, then before paying you need to select the appropriate one. Otherwise, the funds will be debited from the default card.
How do you know that payment this way is possible?
Regardless of where you want to make a payment using this method (in a hypermarket or in an online store), you can find out whether this can be done or not by the image of the following button:
Those. if there is such an icon on the terminal or in the online store, then payment is possible.
Advantages and disadvantages
pros
Convenience. Plastic cards can now be left at home; they will not take up space in your wallet. And most people have devices running on the Android system. In addition, you can “hold” several cards in your phone at the same time.
Speed. Slightly, but using the phone, payment will be made somewhat faster than using a plastic card. No need to waste time inserting the card and entering the code. It is enough to bring the phone to the payment terminal (up to 1,000 rubles - without entering a PIN code).
Safety. As stated earlier, Google guarantees that your data will be protected. And the payment scheme itself is implemented reliably.
Telephone. If you lose your device, you need to spend time using the application (for this, it is now better to set a password on your phone). If these were plastic cards, the theft of funds would have occurred faster.
Minuses
Charger. If you don’t calculate correctly and the battery runs out before you pay, the only alternative will be cards. And if they don’t exist, then you won’t be able to pay for your purchases. In other words, you are addicted to your phone as a device.
Prevalence. Because The technology is new for Russia, and it has not been implemented everywhere. Some stores will not be able to accept payments from Android Pay. But nevertheless, this problem is gradually being eliminated, and the number of points that support the new type of payment is steadily growing.
Cash. In order to withdraw funds, you need to carry the card with you. Not all ATMs are equipped to accept payments from Android Pay. The problem is temporary. I think that this feature will soon be available at all ATMs.
When paying up to 1,000 rubles, a PIN code is not required. Whether this is a plus or a minus is up to you to decide.
The volume of mobile payments in Russia is growing rapidly. Smartphone payment technology simplifies and speeds up financial transactions. Google did not stand aside either, launching its payment service – Android Pay – on May 23, 2017. Let's figure out what Android Pay is and how to use it
What is Android Pay
Android Pay is a kind of virtual wallet that allows you to make cashless payments for goods and services using a smartphone running the Android operating system. The means of payment is a bank card of one of the system’s partner banks, registered with the payment service and linked to an application on a smartphone or other mobile device that supports .
To make a payment, just bring your smartphone to the POS terminal, which also supports NFC. If there are no NFC terminals, payment will have to be made by card.
How to use Android Pay to pay
To use the payment service, the following conditions are required:
- A device that supports NFC contactless data transfer technology. The presence of NFC is indicated by the corresponding abbreviation on the back cover of the device or can be viewed in the Android settings " Settings > Wireless & networks >NFC»
- The device must be running Android 4.4 or higher.
- For security reasons, the device should only have official firmware and should not have an unlocked bootloader.
- Availability of a partner bank card. It will not be possible to register a card from another bank.
If all conditions are met, you can link the card in the payment service. If at least one of the requirements is not met, it will be impossible to work with the payment service.
How to link a card to Android Pay
At the time of publication of this article, the following banks work with Android Pay:
- Sberbank;
- Yandex money;
- VTB 24;
- Binbank;
- Tinkoff;
- Alfa Bank;
- AK Bars;
- Opening;
- Rosselkhozbank;
- Raiffeisen;
- Dot;
- Russian standard;
- Rocketbank;
- MTS Bank;
- Promsvyazbank.
To link a card from one of these banks, follow the instructions:
- Find and install the Android Pay app on Google Play.
- Open the application. If you already have a card linked to your Google Paly account, you can select it. If there is no link or you want to register another card in the service, then manually enter the requested data.
- Accept the terms and conditions of the payment service and the bank that issued the card.
- Wait until your card is verified.
- For security purposes, the app will ask you to set a screen lock if you don't have one. This is a reasonable requirement: if someone gains access to your phone if it is stolen or lost, they will not be able to use your money. Although the blocking can be removed using some methods, at this time you will already disconnect the card from Android Pay.
- During the process of registering a card in the service, you will receive a verification SMS with a code that must be entered in the appropriate field of the application.
In the process of linking the card to the service, a verification debit of 30 rubles will occur from it, which after some time will be returned back to the card. Don't be alarmed.
After completing all the steps, you will be able to fully use Android Pay services.
How to remove a card from the Android Pay service
If you want to remove a linked card from the payment service, you can do this in two ways:
How to pay using Android Pay
Paying using Android Pay is as convenient and simple as possible. Before paying, unlock the screen and make sure NFC is enabled. Then simply bring your smartphone to the terminal (no need to launch the application) and follow the instructions on the terminal. When paying up to 1000 rubles. There is no need to confirm the purchase with a PIN code. Wait for confirmation of successful payment and take away the phone. If your mobile bank is connected, you will receive an SMS message about the balance on the card. The payment service does not charge any commission or subscription fee.
Safety
When paying with Android Pay, card data is not transmitted; a one-time code is transmitted, which, even if intercepted, does not represent any value to the attacker.
The Android Pay mobile payment service has finally appeared in Russia. It should be noted that it came to our country almost six months late compared to the rapidly growing “Apple” service and its Korean counterpart.
According to the basic principles of operation, Android Pay is practically no different from its competitors. This contactless service also requires that the phone runs on Android OS 4.4 or higher, and also supports the NFC function.
Of the devices available on the market today, the list of supported devices is small. These are mainly the latest models of phones in the top and mid-range price range. Among them are Samsung Galaxy (A3,A5,A7,J5,J7,S7,S8), Xiaomi Mi5, LG(K6,G3s,G4s), Huawei Honor and Sony Xperia in the price category of over 12 thousand rubles. Unfortunately, on popular inexpensive phones like Samsung Galaxy J1, Asus ZenFone Go, Meizu, HighScreen, Dexp, Phillips. Over time, support will appear on cheaper devices, but older models, of course, will not work.
The main difference between Android Pay and competing payment systems Apple Pay and Sansung Pay is that for the service to work, the smartphone does not need to have a fingerprint scanner and you can authorize using the good old PIN code or graphic password.
In addition, it works on all terminals with contactless payment. No additional protocol support is required.
Well, another significant plus is that you can use Android Pay to pay for purchases of applications and content on Google Play.
Which banks does Android Pay support?
The Android Pay payment system went live in Russia on May 23, 2017, and at the time of launch it works perfectly with both MasterCard cards and Visa, which is more familiar to Russia. The Yandex.Money electronic payment system is supported, and new cards of the Mir system should also be operational in the near future.
Currently 14 banks are supported:
— Sberbank
- Alfa Bank
— BinBank
- VTB 24
- Opening
— MTS-Bank
— Promsvyazbank
— Raiffeisenbank
— Rocketbank
— Rosselkhozbank
— Tinkoff
- Russian standard
- AK Bars
- Dot
In the near future, the list of counterparties will expand significantly.
How to install Android Pay on your phone
The application installation procedure is simple and no different from other applications. Go to Google Play and 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 networks” section select “More”.
Here you need to check the NFC box. At the same time, the Android Beam function, which is responsible for data transfer, is also activated.
That's it, now you can use the application.
Attention! You won’t be able to use the Android Pay program if your phone’s bootloader is unlocked and rooted. The error “Android Pay is not supported on this device” will appear. She looks like this:
True, I came across information on forums that the restriction was circumvented, but I was unable to come across any real examples.
Is it safe?
In fact, using Android Pay on your phone is much safer than its counterparts from Apple and Samung, although their security is at the highest level. When you bring your smartphone to the terminal, a special one-time key 16 characters long is transmitted via a wireless radio channel. This is a so-called token that is generated in the Google cloud and comes over the Internet connection. That is, they are not generated on the device itself.
You can, of course, use the service without an active connection to the World Wide Web, but then the phone will use the keys stored in its memory. Also, a telephone number and information about which payment network is used - MasterCard, Visa or World - are transmitted to the terminal. No data about the card itself is sent.
How to add a card
Launch the program and click on the “Add credit or debit card” button. Then you need to point the camera at your card and take a photo of it for the application to read the data. Next, you will need to manually enter the CVC code (on the back of the card) and the owner’s address. Next, you will need to go through verification at the bank and enter the code received via SMS.
You can add a card to Google Android Pay several times. In this case, you will need to specify the one that will be used by default.
How to use Android Pay to pay
In order to pay for purchases using a phone connected to the Android Pay service, you just need to unlock the phone and bring it to a terminal that supports contactless payment. They are usually indicated by the following stickers:
Note: In modern supermarkets, large retail chains such as Magnit, Auchan, Perekrestok, Karusel and other chain companies, most of the old terminals have already been replaced with modern ones that can make contactless payments. Including PayPass.
The Google payment system has another convenient function - online payment for purchases on the Internet through a web browser. That is, if you need to buy something, you press a button and voila - payment has been made! In the future, a similar button will be integrated into other applications. For example, now it is already available in Yandex.Taxi, Uber, Wildberries.
It is possible to use Android Pie using a smart watch. But again, they must support NFC technology. For example, Samsung Gear S3, Huawei Watch 2, LG Wath Sport. The second requirement is that the operating system must be updated to Android Wear 2.0.
More recently, in May of this year, Russians were able to familiarize themselves with the technology of contactless payments on phones running the Android operating system. The main competitors Apple Pay and Samsung Pay launched six months earlier, but the huge reach of devices that Android Pay supports can play into Google's hands and help it win a new audience. In this material we will look at a new application for Android smartphones. How Android Pay works, how it differs from its competitors, is it safe to use, and what difficulties did users of the service encounter?
System requirements
First, you should find out which devices Android Pay works on. Google's requirements are not too high. Your phone must have an NFC chip installed (to make payments) and Android version 4.4 (to install the Android Pay application). Everything seems simple, but in fact there are a number of restrictions that may interfere with enabling Android Pay:
- Firstly, the service only works on those gadgets that run official firmware (versions for developers and less popular builds are not supported).
- Secondly, there is a list of smartphones on which it is impossible to enable Android Pay. These are Elephone P9000, Samsung Light and S3.
As for terminals, everything is quite simple. Any terminal that supports PayPass or PayWave technology is suitable for payment. Such terminals are installed in almost any, even not the most prestigious, store or point of sale.
What banks and cards does it work with?
Just as in the case of other payment systems, Android Pay started only with a part of the banks operating in Russia. Fortunately, among them are all the most popular institutions that are in great demand: Raiffeisen Bank, Russian Standard, Rocketbank, Otkritie, Sberbank, Tinkoff, a number of other lesser-known organizations and the payment service from Yandex ". The situation with shops is no worse. Almost all popular retail chains showed interest in the new technology and pledged to support its operation. This is quite natural, since these same networks already work with Apple and Samsung.
How to connect?
We figured out which phones Android Pay works on, now you need to connect this service. If you have already paid for any of Google's services and linked your bank card to your Google account, then by installing the Android Pay application, you will immediately find them in the list. If there are no linked cards, you will have to enter all the details yourself. You can use the built-in credit card scanner, but it often gets the number wrong (it’s unclear why Google couldn’t bring the technology to fruition).
Before you add a card, do not forget to set a password on your device, otherwise Android Pay will respond with an error and prohibit you from paying anything. After adding a card, you will need to confirm it. You can confirm the card using an SMS code or by calling the bank's technical support service and confirming the fact that you are connecting your card to the mobile payment system. They will charge you 30 rubles for confirmation, but will return it after a while.
Safety
Your card data is stored on Google servers and is securely encrypted there. For payment, not your real details are used, but specially generated sets of numbers - tokens. This does not mean that you need a constant connection to servers to work. No, tokens are created on servers but then uploaded to each individual device and stored there until any payment is made. Devices from Apple and Samsung have separate physical space for storing tokens, which significantly increases the level of security. Plus, Android Pay, one way or another, will ask for Internet access when the device runs out of tokens, and this is a significant drawback.
To make each purchase, you will have to enter a password, key code, or place your finger on the fingerprint scanner (it all depends on what security method is used on your phone). If you disable any of the blocking methods, then all data relating to your bank cards will be destroyed. If the gadget is lost or stolen, you can remotely erase information about linked cards. In general, there is no need to worry about security.
How does Android Pay work?
When working with terminals and paying for a purchase worth 1,000 rubles or less, just turn on the gadget’s display and touch it to the terminal. In the case of larger amounts, you will need to enter a password or place your finger on the fingerprint sensor. You can also use smart watches to pay.
Android Pay works both in physical retail outlets and online. Many people do not go to stores at all and make purchases on websites or applications, so Google was concerned about introducing the technology there too. For Android Pay to work on a website, technology support from the resource owner is required. The buyer needs to find a button with a green robot and the inscription Pay and click on it. Immediately after this, he will be redirected to the application itself, where, just as in the case of payment in real life, he will need to remove the lock and confirm the operation. That’s all, the site or application will instantly understand that the order has been paid and place it.
Possible problems
The most popular question floating around the Internet after the launch of the payment system was “why Android Pay doesn’t work on Xiaomi.” The problem really exists, and all owners of Chinese gadgets have encountered it. Yes, yes, Android Pay does not work on Meizu either. The reason is the international firmware that users install to translate the interface language into Russian.
Another problem that users face is returning goods. The fact is that the token that hides your details will be saved only for one terminal, and in order to make a refund, you will have to look for exactly that terminal.
Promotions and discounts
The launch of each payment system is accompanied by discounts and promotions that are designed to popularize the service among the masses and force people to try it at least once. Among the promotions known today, it is worth highlighting a 50% discount on travel on the Moscow metro. 50% discount on a ticket for Aeroexpress and the same discount on the purchase of any burger in the fast food chain Burger King. It all works as follows - you pay the full price for a ticket or any other product, and over a period of time half of the amount is returned to your card. This means that if you do not have the required amount, you will not be able to use the promotion.
How to enable Android Pay on a jailbroken phone?
Owners of some devices with an unstable or hacked version of the operating system have encountered a number of problems when entering bank card data. The fact is that Google (for security reasons) prohibits the use of financial applications on any Android systems other than the original one. The problem can be solved by tricking the Android Pay program. To do this, you need to hide from her information about the system being hacked. So, first you will need the Magisk Manager utility, which will allow you to install and update the Magisk program. After opening the Magisk program, find the Magisk Hide item in it and activate it. Reboot the gadget and turn on Magisk Manager again. A list of programs from which you can hide the fact of hacking will appear. Find Android Pay and disable it. As soon as you do this, restart your device and try using the payment system again. Just in case, check if Android Pay works with your phone (Magisk may not help).
Instead of a conclusion
So what do we have? Another payment system that was launched too late or a truly worthy product that people will like? More likely the second, because with its army of fans Google can compete on an equal footing with Apple and Samsung without any problems (considering the fact that Android Pay works both on Google devices itself and on Samsung devices). And people themselves are ready for a new step in this direction. Bank cards are convenient, but the younger generation is much more likely to hold a smartphone in their hands, which means they will be more willing to pay with it. Discounts also played an important role; perhaps promotions will be repeated, and user interest will be actively fueled for a long time.
Pros of the service:
- A huge number of devices working with Android Pay.
- Various payment protection options.
- Discounts and promotions.
Disadvantages of the service:
- Does not work on jailbroken devices.
- Payment tokens are stored only on Google servers.
