What is your personal experience using a payment app?

Discussion in 'Android General Discussions' started by UrbanBounca, Oct 13, 2015.

  1. UrbanBounca

    UrbanBounca Rescue Squad
    Staff Member Rescue Squad Premium Member

    Joined:
    Sep 25, 2010
    Messages:
    2,741
    Likes Received:
    199
    Trophy Points:
    143
    Location:
    Virginia
    Ratings:
    +240
    Do you have experience using a payment app such as Google Pay or Samsung Pay? I've been looking into it, because it would be nice, but in reality, how often is an electronic payment taken? Is it worth using?
     
    • Disagree Disagree x 1
  2. thunderbolt_nick

    thunderbolt_nick Thunderbolt Rescue Squad
    Rescue Squad

    Joined:
    Nov 22, 2011
    Messages:
    1,194
    Likes Received:
    603
    Trophy Points:
    1,268
    Location:
    Orlando, FL
    Ratings:
    +724
    Current Phone Model:
    Nexus 6P
    Twitter:
    @nickburress2k2
    It could be worth using. I use Android pay whenever available but... Then not everyone has it. I end up taking my cards anyways which I figure ruins the point. Maybe one day...

    Sent from my Nexus 6 using Tapatalk
     
    • Like Like x 1
  3. UrbanBounca

    UrbanBounca Rescue Squad
    Staff Member Rescue Squad Premium Member

    Joined:
    Sep 25, 2010
    Messages:
    2,741
    Likes Received:
    199
    Trophy Points:
    143
    Location:
    Virginia
    Ratings:
    +240
    The problem I'm seeing is that my job is installing and repairing POS systems, and they're not being updated. If anyone, the smaller businesses are moving toward the future. Big business is at a stand-still right now.

    What big business do you know takes it?
     
  4. Ollie

    Ollie Droid Does

    Joined:
    Apr 13, 2012
    Messages:
    3,442
    Likes Received:
    2,103
    Trophy Points:
    1,468
    Location:
    South Coast
    Ratings:
    +2,483
    Current Phone Model:
    Note Edge - iPhone 6 Plus
    My grocery store takes it, the gas stations do as well. I have to keep my cards on me though when I go to Best Buy. Still have to swipe there. Pretty much all of the businesses around my house take Android Pay and Apple Pay.

    From the Edge of the Galaxy
     
  5. dezymond

    dezymond Tech Support Mod
    Staff Member Premium Member

    Joined:
    Nov 11, 2009
    Messages:
    12,080
    Likes Received:
    1,508
    Trophy Points:
    573
    Location:
    Bay Area, California
    Ratings:
    +1,672
    Current Phone Model:
    Google Pixel
    I had to use Google Wallet one time because I left my actual wallet at home one day. It worked pretty flawlessly, but I have no intention of using it again as long as I have my wallet on me.

    Now that I think about it.....does Google Wallet even exist anymore....
     
  6. jackiescivic

    jackiescivic Diamond Member

    Joined:
    Feb 10, 2011
    Messages:
    1,676
    Likes Received:
    870
    Trophy Points:
    1,328
    Location:
    Germantown, WI
    Ratings:
    +951
    Never used one and have no intention of using one. As a female, my purse and wallet are always on me.

    Sent from my SM-N910V using Tapatalk
     
  7. IIGood

    IIGood Silver Member

    Joined:
    Jul 13, 2010
    Messages:
    706
    Likes Received:
    251
    Trophy Points:
    163
    Location:
    Arnold, MD
    Ratings:
    +281
    Current Phone Model:
    Galaxy S6
    It does, but it's format is different now. The "tap to pay" function was spun off to Android Pay and Google Wallet is still around to transfer funds from one person to another (a la PayPal) and for things like paying for apps. Why they split Wallet up like that is still beyond me.

    I've used the tap-to-pay on a few occasions, mainly as a "just because" measure. Very few establishments have it...a convenience store chain here used to have the function but they no longer have that type of pay pad. I've noticed that Best Buy has the equipment but they don't have the software to back it up...kinda surprising given they're a technology store.

    I'd probably continue to use it if it were more available. America is apparently rather behind on this tech compared to Japan and other countries...
     
    • Like Like x 1
  8. pc747

    pc747 Administrator
    Staff Member Rescue Squad

    Joined:
    Dec 23, 2009
    Messages:
    24,303
    Likes Received:
    5,331
    Trophy Points:
    1,123
    Ratings:
    +5,919
    Went from wallet to pay (Google) and love them both. Pay is a little more snappy. I mainly used it at subway.

    Sent from my Nexus 6 using Tapatalk
     
  9. Jonny Kansas

    Jonny Kansas Administrator
    Staff Member Rescue Squad

    Joined:
    Jan 21, 2010
    Messages:
    16,481
    Likes Received:
    7,059
    Trophy Points:
    1,278
    Location:
    Michigan's Upper Peninsula
    Ratings:
    +8,401
    Current Phone Model:
    Pixel XL
    Twitter:
    jonny_ks
    I've used Wallet and/or Android Pay at Walgreens and McDonalds. Pretty much the only couple of places in my area that I've seen that have the hardware for it. There's a Subway across from my house, but the last time I ate there, they still weren't taking them.

    Wal-Mart in my town has all of the new readers for the Chip & PIN cards, but I haven't seen anyone with one of those cards. Don't get me started on how we're going to an intermediate step of Chip & Signature that's less secure than the PIN method.

    The times that I did use Tap & Pay, I found it very convenient. Pull phone out and unlock instead of pull wallet out, slide right card from wallet, swipe card, etc.

    I'd use it more often if more locations near me accepted it.

    What I like about Android Pay is that it actually issues a "fake" card number, instead of your actual card number. Seems to me that's a bit more secure than transmitting your card's info.

    One drawback I found with Wallet and haven't tried yet now that I've got pay is that Wallet didn't allow me to get cash back and actually resulted in a failed transaction. Before I realized what the issue was, I had my card out and carried on. If Pay still doesn't allow cash back, that might limit how often I use it, because I don't often carry cash and would much rather get cash back during a transaction than pay a bank's ATM fee. My bank doesn't charge me anything, but there aren't many ATMs in my network up here.

    EDIT: I just remembered that Staples takes it as well, but I haven't bought anything there in quite a long time that wasn't on the company's Staples card.
     
    #9 Jonny Kansas, Oct 14, 2015
    Last edited: Oct 14, 2015
  10. pc747

    pc747 Administrator
    Staff Member Rescue Squad

    Joined:
    Dec 23, 2009
    Messages:
    24,303
    Likes Received:
    5,331
    Trophy Points:
    1,123
    Ratings:
    +5,919
    Many subway locations don't know they have pay but they do. It will say softcard still. Tell them to tap credit card then you will see the NFC, use your phone and you good.

    I was using wallet/pay before most locations out the pay signs out.

    Sent from my Nexus 6 using Tapatalk
     
  11. Jonny Kansas

    Jonny Kansas Administrator
    Staff Member Rescue Squad

    Joined:
    Jan 21, 2010
    Messages:
    16,481
    Likes Received:
    7,059
    Trophy Points:
    1,278
    Location:
    Michigan's Upper Peninsula
    Ratings:
    +8,401
    Current Phone Model:
    Pixel XL
    Twitter:
    jonny_ks
    This particular Subway still has the standalone card scanner unit thing that you used to see back in the day. There's nowhere on that relic to tap your phone to. Trust me. This location doesn't have it.

    Now, we've got 2 more Subways in this little town and I can't be sure if they've got more updated technology, since the one by my house is so convenient. I'm also not sure if the same people own all 3, or if there's a division of power here. As well, I have no idea why this tiny town needs 3 Subways along with some (way better) local sub shops and a recently opened Jimmy John's...
     
    • Like Like x 1
  12. pc747

    pc747 Administrator
    Staff Member Rescue Squad

    Joined:
    Dec 23, 2009
    Messages:
    24,303
    Likes Received:
    5,331
    Trophy Points:
    1,123
    Ratings:
    +5,919
    Because everybody wants to open their business and subway and to be one of the easiest franchise to start.

    Sent from my Nexus 6 using Tapatalk