Android Pay

What is Android Pay?

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Holding mobile phone over contactless card reader to pay using Android Pay

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Android Pay uses the near-field communication (NFC) chip in your Android phone to pay for goods and services via contactless payments. Android Pay can also be used for some in-app and online purchases.

What do you need to use Android Pay?

To use Android Pay you need the following:

  • Any Android device with NFC technology running Android 4.4 KitKat or above, or an Android watch with Wear 2.0 software.
  • A supported debit or credit card from a participating bank
  • The Android Pay app (available on Google’s Play Store)
  • A Google account.

How secure is Android Pay?

When you use your phone to make a payment, Android Pay doesn’t send your actual credit or debit card number with your payment. Instead it uses a virtual account number to represent your account info – so your card details stay safe and secure.

If your phone is lost or stolen, you can use Android Device Manager to instantly lock it from any location, secure it with a new password, or wipe it clean of personal data.

Participating banks

Banks and card providers that support Android Pay include:

  • Bank of Scotland
  • First Direct
  • Halifax
  • HSBC
  • Lloyds Bank
  • MBNA
  • Metro Bank
  • M&S Bank
  • Nationwide
  • NatWest
  • TSB
  • Royal Bank of Scotland
  • Santander
  • Ulster Bank

Barclays does not support Android Pay. It has launched its own payment app called Contactless Mobile.

American Express cards are not supported either, so if you have an AMEX credit card direct from American Express or via another bank, you won’t be able to use it with Android Pay.

Where can I use Android Pay?

You can use Android Pay wherever contactless payments are accepted – so, shops, restaurants, coffee shops, pubs and Transport for London.

You can also use it on apps and websites that display the Android Pay logo.

How do you set up Android Pay?

  1. Download the Android Pay app to your device.
  2. If you've already got a credit or debit card linked to your Google account, you can carry on using it with Android Pay. However, you might need to re-enter the card’s security code, and possibly complete more security steps initiated by your bank.
  3. You can add, edit, or remove cards from Android Pay on the app or using your computer.
  4. To add a card using your Android phone, open the Android Pay app and select the Google account you want to add the card to. At the bottom right, tap +, then tap “add a credit or debit card”. Use the camera to capture your card information or enter it manually. If you’re asked to verify your card, choose a verification method from the list.
  5. You can add multiple cards to Android Pay and nominate one as your default card.
  6. To set up Android Pay on your Android Watch, open Android Pay on your watch and choose the option to add a new card. It will then direct you to your phone, where you should see your saved card(s); tap on the one you want and enter the security code. The card will need to be verified by your bank.

How do you use Android Pay?

Using Android Pay for contactless payments

You can use Android Pay on contactless payment terminals in shops, restaurants and on Transport for London.

To make a payment, unlock the phone screen and hold your phone over the contactless reader.

Contactless payments have a limit of £30 in the UK but you can make unlimited contactless payments each day. Android Pay allows you to make payments up to £100, but anything above the £30 limit will require you to enter a pattern, PIN or fingerprint.

To pay with your watch you can either scroll to Android Pay using the menu or assign one of the side buttons as a shortcut (which is easier). Tap the shortcut button and hold the watch to the payment terminal to make a payment.

Using Android Pay for in-app payments

Android Pay is a payment option within apps displaying the Android Pay logo. To make a payment choose Android Pay as the payment method when checking out.

Using Android Pay for website payments

You can use Android Pay to pay on websites displaying the Android Pay logo. To make a payment choose Android Pay as the payment method when checking out.

Android Pay and Apple Pay are very similar offerings from the different companies, but there are some areas where they are different.

 

Apple Pay

Android Pay

Devices

iPhone 7 or 7 Plus; iPhone 6s, 6s Plus, 6 or 6 Plus; iPhone SE; iPad Pro (12.9 or 9.7 inch screen); iPad Air 2; iPad Mini (3 or 4); MacBook Pro with Touch ID; A Mac model introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch.

Any Android device with NFC technology running Android 4.4 KitKat or above.

Wearable devices

Apple Watch 1st Generation, Series 1 or Series 2.

Any Android watch with Wear 2.0 software.

Participating banks

All of the major banks.

Most of the major banks – not Barclays or American Express.

Fingerprint authentication

Yes

No

Contactless payments

Wherever the contactless payment logo is displayed: up to £30.

Wherever the contactless payment logo is displayed: up to £30 or up to £100 with further verification.

 

Transport for London

Yes

Yes

In-app payments

Wherever the Apple Pay logo is displayed.

Wherever the Android Pay logo is displayed.

Web payments

Wherever the Apple Pay logo is displayed.

Wherever the Android Pay logo is displayed.

App

Built-in Wallet app.

Android Pay from Google’s Play Store.

Account required

Apple

Google

Can be disabled remotely

Yes

Yes

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