Tested Android Pay – The Banker

today, the Polish users of Android phones can to use a mobile wallet, powered by Google. We practice it looks like the process “insert” credit card on the phone, and the transaction in store terminal.

More than 80 percent. terminals, cards in Polish outlets supports contactless operations, and the most popular OS of mobile devices in our country is Android. Circumstances seem to contribute to Google – our market is in many ways more ready mobile payments than other European countries.

How to use Android Pay

today, with Android Pay, a mobile wallet allowing contactless pay phone, I can use it for clients that have maps:

• ABB (including Item A.)

• T-Mobile Banking Services

• Bank Zachodni WBK.

the First step install the app store Android Pay Google. Choose her the option to add maps card, debit card or card. If we added previously a Bank card to your account Google to buy a paid app, it will appear in the list. Then you only need to complete information about CVV2/CVC2 code, which we find on the reverse side plastic.

add the new maps can take place in two ways – using to take a photo of the front side plastic or manually. In the first if the app detects the appropriate fields (number, expiration date) and I ask only to Supplement the data that resides on the back of the card.

In the next step the screen will display the terms the provision of services by the Bank. Its content depends on the Bank, which is a map “put on” mobile wallet. In our test Alior Bank was much more creative in words than BZ WBK, which document took 5 screens. After confirmation of acceptance of, go to checking maps added. Banks, who first joined the Android Pay by using mechanism well-known to anyone who has used Internet banking on the phone transmitted SMS with one time password.

the Password you entered in the form is verified by the Bank. the next step, the application reminds us to run lock . Unprotected phone allows any rogue on clearance payments, so enabling this option is required.

How to shop in Android Pay

After taking just a few minutes to prepare you can go shopping. If you’re using multiple apps, allowing you to pay a contactless phone, we should check the settings in your phone, part called “tap and pay” Android Pay is set by default, the application that support NFC transactions.

Payment in the online store is no different from card payment proximity. Phone approach to the terminal, making sure that it it’s unlocked. The application confirms the transaction by running the vibration, playing a short beep and displays the screen image maps. in this respect, Android Pay is much less discreet than some applications HCE Polish banks, e.g., Bank Zachodni WBK. Payment, if you to achieve this the terminal will confirm the PIN original with the help of a plastic card.

After the payment we get our phone notification visible in the upper part of the screen Android. It contains information about the amount of purchase, store name and the payment card. Clicking on the notification move on to the details of the operation, where we find, in particular, the indication of the place to make payment on the basis of data the geolocation of our phone. In the history of operations you can also return later in the application by clicking on the map image.

First impressions of using the Android app Pay of course, positive, and especially interesting, by the way, “awareness”, i.e., the rich history of operations. With her check out, however, the account balance and we do not make any transactions on the account – this is still needed mobile banking. Google fully only part of the wallet to store cards, allows you to select default, and view past transactions. Praise is the process of adding cards to the wallet – not this is a complex and cope with it any user who has at minimum experience in handling electronic banking.

Michael Kissel