#App of the Day: Android Pay

Android Pay has been around for a couple years. In fact, paying merchants using a mobile phone has been around in some form for at least 5 years. Android Pay is a digital wallet platform that power in-app and tap-to-pay purchases on mobile devices, enabling users to make payments with Android phones, tablets or watches. It uses near field communication (NFC) to transmit card information facilitating funds transfer to the retailer.

It replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals by allowing the user to upload these in the Android Pay wallets. It is similar to contact-less payments already used in many countries, with the addition of two-factor authentication.

I never considered using it until this summer. I was always weary of having more of my life on my mobile phone especially since I already have my bank and bill pay apps on my phone. I am old school and like to have my credit and debit cards in my wallet.

I started of with another mobile phone payment system called Walmart Pay for a couple weeks first, followed by CVS Pay. I was so paranoid about having my credit cards in the apps that I would delete them from the apps at the end of the day and re-add them to the apps any day I thought I might use them. Walmart and CVS Pay differ from Android Pay in that they do not use NFC but instead us QR codes and Bar codes that are scanned.

I soon got used to both apps and during the middle of the summer I made the move to Android Pay. I loaded the credit cards that I was using in Walmart and CVS Pay apps. It has turned out to be a godsend. It is easy and convenient to use.

I have loaded all my store rewards cards into the app as well; one of the cool features of Android pay, such as Walgreens, Office Depot, Dunkin Donuts, Autozone and many more. In fact, I have over a dozen rewards cards in the app.

You can also link other apps on your device to Android pay, to load money into those apps. For example, My Chick-Fil-A app is connected and I can load money into the app which I can use for purchases at the restaurant using their app.

I am now used to using my phone to pay for goods and services at most of the merchants I frequent. I have not given up carrying my credit cards in my wallet. I still need my old fashion credit for restaurants, mom and pop stores and Publix Supermarket. However, my regular stores: Kohl’s, Ross, Chick-Fil-A and many more use Android Pay.Every month more and more stores are moving to the new payment terminals which have integrated NFC.

One points before I go; I do not use my debit cards in Android Pay or any other payment apps, only credit cards. You ever know what may happen and it is easier to wait on the bank to clear up issues withe fraud when it come to their money (credit card) as opposed to my money (debit card). Check out Android pay even for a week. You will be glad you did. 🙂

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