Geeks2U Promise
We guarantee you'll love our fast, friendly service - or we'll refund your money.  
133,572 Happy Customers & Counting
Need tech support?
1300 769 448
Extended hours, 7 days a week
Home  /  geekspeak  /  Android Pay: More banks, but more useful than vital

Android Pay: More banks, but more useful than vital

As this year has progressed, we’ve slowly seen the rollout of more and more contactless smartphone based payment systems. Apple Pay was first to market with a launch that was actually last year, but only for American Express customers, and even then only if you were a customer of American Express itself; Amex cards from the major banks didn’t count.

The first, and so far only bank to offer Apple Pay in Australia is ANZ, although there’s little doubt that Apple is negotiating hard with the other banks to bring more of them into the fold. Samsung Pay was the next phone-based NFC payment system to launch, this time with American Express (again) and Citibank. Again Samsung has said that it is negotiating with other financial institutions. As you might expect, Samsung Pay works with Samsung’s phones only, while Apple Pay is an iPhone only affair.

Just recently, Google launched Android Pay with a wider variety of banks than its competitors; while ANZ and Amex are launch partners, they’ve also got Macquarie, MyState, Teachers Mutual Bank and a wide range of credit unions on board. Android Pay also has the advantage of working across any NFC-enabled Android device running Android 4.4 (“KitKat”) or later, including Samsung’s phones, whereas Samsung Pay is a Samsung Galaxy S6 (or better) only system.

All of the smartphone payment systems do offer slightly better security than your existing contactless credit card, in that they won’t activate without unlocking your phone; if someone steals your plastic card there’s no real verification for purchases under $100, whereas with a smartphone payment there’s a verification step — usually a fingerprint or passcode that unlocks your phone — that protects your bank account. For every purchase, a virtualised token is created, which adds an additional layer of security on top.

Which is all well and good and very nice if you like flashy technology for its own sake, but there’s a strong practical aspect to it to bear in mind. The appeal of paying with your phone, which you more than likely carry with you everywhere is great, especially if you’re prone to accidentally leaving your wallet or purse at home or in the office. Although it might just stymie your plans to beg off paying for drinks/dinner/whatever “because you forgot your wallet”.

However, it has to work reliably, and at least at an anecdotal level from my own experiments with Android Pay, and the experiences of colleagues with Apple Pay, it’s not 100 percent reliable just yet. When it does work it’s no more work than a standard tap and go transaction, which is great, but when it doesn’t, you’re not often left with a good idea why. It’s true that this can happen with a regular card as well, but there you’ve usually got the secondary option of using a card swipe or chip insertion to pay that way. With only a phone, if it doesn’t work, your best payment method might only be to phone a friend.

Smartphone payment systems have made a big splash overseas where contactless payments weren’t already widespread, but here in Australia it’s now commonplace to be able to tap and pay with your card. Smartphone payments are neat, and they’re another easy way to pay, but for now, I’d suggest ensuring you’ve got both phone and physical card with you at the store to avoid payment pain points.

Share

Recent News

Generally speaking, when there’s an important update for your notebook, it’s a decent idea to install it. It may not be an update that makes an immediate obvious new feature available. Instead it may work behind the scenes to add layers of security, fix bugs or improve general performance. It’s why for the most part… More 

Samsung has long pitched its “Note” line of larger smartphones as being perfect for folks with a productivity focus for their smartphone work. A few years ago, it introduced a specific desktop dock for its Note and Galaxy S class phones, the DeX dock. Drop a qualifying Samsung phone into a DeX dock, and what… More 

For most of us, buying a new laptop is a matter of expediency, not outright tech desire. We’ll make do for as long as possible on an older system until it simply isn’t economical — or sometimes feasible — to continue working with it or repairing it. When that happens, market figures suggest that most… More 

Apple recently made some pretty large changes to its line of MacBook laptops. In recent years there’s been an array of choices, from the very small “MacBook” through the MacBook Air and MacBook Pro lines. Some of these had the newer butterfly keyboards and Apple’s own Touch Bar sensor, while others didn’t. If you didn’t… More