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Phone payment services

Discussion in 'GENERAL Wireless Discussion' started by KevinJames, Oct 26, 2015.

  1. KevinJames

    KevinJames WA's 1st retired mod
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    I was reading a thread started on another site and it dawned on me, WE need to discuss it but on a broader scope:

    Apple Pay, Google Wallet (or Pay), Samsung Pay.

    Questions
    1. Have you used any of them?
    2. Which is your favorite (or do you mix/match)
    3. What issues have you noted?

    I saw a video regarding the new kid in town, Samsung pay. It worked everywhere EXCEPT the terminals at gas stations because the design requires the card to be inserted.
     
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  2. palandri

    palandri Former Palm Guy
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    I have Google Wallet with a debit card. It's linked to my bank account and when I make a purchase with the debit card it sends me a text immediately.

    If banks want to cant to cut down on fraud, sending a text immediately during a purchase would stop a lot of fraudulent purchases.
     
  3. M in LA

    M in LA Mobile 28 Years Plus
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    Just started with Google Wallet. This one is different than all the others because it offers a debit card that can be used (as palandri mentioned) that's connected to a bank account.

    I can't do Apple Pay because my credit union is not part of it at this time. I don't have regular credit cards anymore.
     
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  4. JFB

    JFB Gold Senior Member
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    I haven't tried any of them. I'm very old fashioned -- I almost always use cash and never use my ATM(debit) card for purchases. :oldman: I suppose I'll look into giving Google Wallet a try.
     
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  5. KevinJames

    KevinJames WA's 1st retired mod
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    I was blown away by the Samsung Pay real-life demo. It apparently works at payment terminals that Google Wallet and Apple Pay don't work on. It does use NFC but with another technology that allows this amazing ability. I saw another demo that tried to use it at a gas pump terminal (where you have to insert the card completely). That was the only place it didn't work. Sadly, my Note3 doesn't support any of the major 3 systems.



    Here's a 2nd video:
     
    #5 KevinJames, Oct 27, 2015
    Last edited: Oct 27, 2015
  6. viewfly

    viewfly Mobile RF Advisor
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    I've only used Apple Pay. I too am blown away how easy it is, especially with the Apple Watch. It actually seems to have less steps than Samsung pay...certainly the watch does: just double tap, point and shoot. Done. You get an instant screen message showing the amount charged, etc.

    With my iPhone for about a year, and with my Apple Watch since May. They have worked well. Sometimes it is a mystery were the sensor is in the store terminal, and some machines work more quickly than others. The Watch is great, as I discovered that I don't need even to have the iPhone with me. As long as the watch is on my wrist, it works securely. And with the watch, no fingerprint is needed, so its very fast.

    @KevinJames: Apple Pay works with all the terminals shown in the videos. It doesn't work at Walmart, because Walmart turned off the NFC hardware sensors in ALL their terminals, so that Apple Pay and Google Pay could not be used. Consumer friendly feature, huh?This is politics, since Walmart is pushing another system ( and turn NFC back on when it is ready and then they will be forced to take Apple and Google Pay)...but I think they will cave, as other retails have, like CVS. You need to read up on this a bit on this electronic payment systems.

    Samsung Pay, at Walmart, is using a back up system called LoopPay. LoopPay sends your Magnetic strip info the terminal (with BT I think). Its a debate how secure that is. I think your info is in the Cloud. And considering the CC card requirement that all terminals be chip ready THIS MONTH, nearly all terminals will also have NFC. Apple Pay works with any NFC system, no special software required.


    Here is a demo from Oct 2014:



    And more recently from England, on the subway (watch and iPhone )

     
    #6 viewfly, Oct 27, 2015
    Last edited: Oct 27, 2015
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  7. dmapr

    dmapr Silver Senior Member
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    It's interesting that I see a lot of chip-ready terminals near me. They're all in various states of disarray. Some have the chip portion disabled entirely (the message on the terminal doesn't suggest you can insert your card). Some others are suggesting you can (swipe or insert your card), but when I insert, it doesn't work :) Some others actually do work, but they work both with the magnetic strip and the chip (they should refuse the magnetic stripe of a chipped card of course). From what I've read the Wal-Mart terminals are actually configured properly, but I haven't had a chance to go there and check it out as I don't normally buy anything at Wal-Mart.

    I haven't actually used Android Pay since it was still Google Wallet because the card I want to use most often is not compatible with Android Pay yet :D
     
  8. palandri

    palandri Former Palm Guy
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    My wife works retail and people are complaining about how long the chip transaction takes. LOL! It's about 5 seconds. I've had a chip and pin card for a while to use in Europe and I can't believe people are complaining about how long it takes.
     
  9. viewfly

    viewfly Mobile RF Advisor
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    I have been in some stores, at the check out. I pull out the watch or iPhone and they say " I don't know, we don't do that" before they finish a sentence, Bing, transaction is done.

    It's a bit funny. The reaction to the watch is fun. Gone through each new person at the grocery store, and they get thrilled to see it. Less watches than phones out there


    Sent from my iPad using Tapatalk
     
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  10. rjniles

    rjniles Member

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    I was using Google Wallet, I used it, liked it, easy to use and fast. They changed it to Android Pay and I hated it and no longer use it. They force you to use a pin to unlock the phone, not just to use the Android Pay but any use of the device. The old system just required the pin to use the app.
    I sent an email to Google asking a change back to the old pin lock method (or at least an option to do so). I was told no it is a security feature.
    If you disable the screen lock pin, the app deletes you credit card data.

    I will have to look at the new Samsung app.
     
  11. dmapr

    dmapr Silver Senior Member
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    Are you sure? I have Android Pay set up and it keeps my credit card data and it didn't require me to use a PIN or password (it's fine with a pattern).
     
  12. rjniles

    rjniles Member

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    (it's fine with a pattern).

    What does this mean?
     
  13. KevinJames

    KevinJames WA's 1st retired mod
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    You guys are giving me phone pay envy. (Hey, remember when we use to have pay phones and now we phone pay.) I just can't bring myself to like any of the 2015 phones and, according to one site, Samsung Project Valley is not slated for initial release in the USA. So now I'm thinking to just wait for Note6.
     
  14. viewfly

    viewfly Mobile RF Advisor
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    Looks like Samsungs LoopPay may be short lived. I was incorrect, it's doesn't send the magnetic info via BT (assuming there is no NFC). Instead it generates a magnetic field with an AC loop, to mimic an actual swipe card.

    Problem is if the reader has a EMV chip reader you will be forced to use that instead.

    From LoopPay site:

    "Yes. You can add chip cards to your LoopPay account today and use them at mag stripe readers (MSR) just like any other payment card. However, if the merchant POS terminal is configured to accept EMV cards, you will be instructed to use the physical card to make the transaction via the chip and PIN card reader. LoopPay will soon be announcing a solution that will address this inconvenience. More information on LoopPay and EMV."

    https://www.looppay.com/faqs/


    Sent from my iPad using Tapatalk
     
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  15. M in LA

    M in LA Mobile 28 Years Plus
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    Since Google changed the way Wallet works and spun off a number of features into Android Pay. Here is a simple explanation of what the two do from the horse's mouth:
    https://support.google.com/androidpay/answer/6285565?hl=en

    More info can be found here:

    https://www.google.com/wallet/faq/
     
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  16. dmapr

    dmapr Silver Senior Member
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  17. QLR

    QLR RIP Note!
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    I used the defunct Softcard once. I have a Google Wallet account with cards on it, but I haven't used it. I can't quite figure out where to properly place the phone on the NFC enabld devices.. Or the devices don't work. My Note 4 does not support Samsung Pay. Funny I see this thread, Samsung sent me a push message pushing me to upgrade my phone so I can get Samsung Pay.
     
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