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What is Google's version of Apple Pay?

oldsmoboat said:
Any places take it? Never seen a sign.
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Anywhere that Apple Pay works, Google Wallet (tap & pay) also works. They use the same technology.

Before Apple Pay, I would use Google Wallet at random stores (fast food places, some department stores, etc.), but it wasn't everywhere.
 
oldsmoboat said:
Huh?
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300,000 retailers accept Google Wallet. It has been out for 3 years. Just look for this MasterCard PayPass symbol: http://en.wikipedia.org/wiki/MasterCard#mediaviewer/File:ExpressPay-PayPass-PayWave.svg

I think my phone has it (Galaxy Nexus) but there was a dispute with Verizon when it came out in 2011 because Verizon wanted a cut of the proceeds. So maybe Verizon disabled it for my phone, I forget. I just was never interested in even trying. Ohh, I get to carry a large clunky device instead of a tiny card that fits in my wallet anyways.
 
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dullard said:
300,000 retailers accept Google Wallet. It has been out for 3 years. Just look for this MasterCard PayPass symbol: http://en.wikipedia.org/wiki/MasterCard#mediaviewer/File:ExpressPay-PayPass-PayWave.svg

I think my phone has it (Galaxy Nexus) but there was a dispute with Verizon when it came out in 2011 because Verizon wanted a cut of the proceeds. So maybe Verizon disabled it for my phone, I forget. I just was never interested in even trying. Ohh, I get to carry a large clunky device instead of a tiny card that fits in my wallet anyways.
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I've seen that symbol. But had no idea it was tied to Google.
 
WelshBloke said:
That seems like a bad idea.
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No. The generated number is only authorized for the amount of the transaction. Doing things the normal way, your actual CC number could be stolen by hacked retailer systems or even gas ("petrol") pumps.
 
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The good news is that with Chip based CC's coming in the US by fall 2015, you'll see the older CC readers disappear and the new models will probably have tap to pay. It'l become a lot more viable.
 
Midwayman said:
The good news is that with Chip based CC's coming in the US by fall 2015, you'll see the older CC readers disappear and the new models will probably have tap to pay. It'l become a lot more viable.
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Some retailers have supported RF cards for a long time and specifically disabled the readers when Apple Pay came out.

They are working on a competing standard that doesn't use RF at all, but looks at something like a QR code on your phone screen. Their system should bypass transaction fees from CC companies, but it's definitely more frustrating for the customer.
 
Ichinisan said:
No. The generated number is only authorized for the amount of the transaction. Doing things the normal way, your actual CC number could be stolen by hacked retailer systems or even gas ("petrol") pumps.
Click to expand...

Well a credit card number on its own shouldn't let a payment go through in a modern payment system so thats a non issue.

So what happens when I go back to a store to return something?

At the moment they can link the purchase to my card and that works well as a proof of purchase and a place to send the returned funds to. You're not suggesting a return to the dark days of having to keep little bits of paper for all my purchases are you?
 
WelshBloke said:
Well a credit card number on its own shouldn't let a payment go through in a modern payment system so thats a non issue.

So what happens when I go back to a store to return something?

At the moment they can link the purchase to my card and that works well as a proof of purchase and a place to send the returned funds to. You're not suggesting a return to the dark days of having to keep little bits of paper for all my purchases are you?
Click to expand...

Some retailers here let you look up a purchase by the card. Not all of them. I believe even the ones that do look it up will only be able to do it for a short while after the transaction. That means they have to keep your CC number in a system that can be compromised.

Why do you think scammers are always trying to get credit card numbers? The cards we use here can be charged by knowing only the CC number. I believe most retailers' systems require more information sometimes (like the expiration date, which is also encoded on the magnetic strip). That's because they pay higher per-transaction fees when you don't actually use the physical card.

A long time ago, most online retailers would only ask for the CC number. Then they started asking for the expiration date. Then they started asking for the CVV code. You have to trust that every single site you submit that information to doesn't store it somewhere...and hope they aren't compromised.

[edit]
Even before the mag stripe, early credit cards had to be put into a mechanical device with a thing that slides back-and-forth over a paper sheet that your card is underneath. The rubbing creates an impression of the card number a paper. There are multiple layers carbon-copied for records. The numbers on most cards are still raised so they'll be compatible with this type of system. I saw one several years ago when a pizza delivery driver had to take a credit card.
 
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Ichinisan said:
Why do you think scammers are always trying to get credit card numbers? The cards we use here can be charged by knowing only the CC number. I believe most retailers' systems require more information sometimes (like the expiration date, which is also encoded on the magnetic strip). That's because they pay higher per-transaction fees when you don't actually use the physical card.
Click to expand...

So move to the more secure standards that are common in the rest of the world.
Involving a phone manufacturer in your credit card transactions is not the answer.

Ichinisan said:
A long time ago, most online retailers would only ask for the CC number. Then they started asking for the expiration date. Then they started asking for the CVV code. You have to trust that every single site you submit that information to doesn't store it somewhere...and hope they aren't compromised.
Click to expand...

This isn't about online payments.

Ichinisan said:
[edit]
Early credit cards had to be put into a mechanical device with a thing that slides back-and-forth over a paper sheet that your card is underneath. The rubbing creates an impression of the card number a paper. There are multiple layers carbon-copied for records. I saw one several years ago when a pizza delivery driver had to take a credit card.
Click to expand...

I know, I used to use them.

Thing to learn is to move the technology on, not to start involving extra, unnecessary organisations in the transaction.
 
WelshBloke said:
This isn't about online payments.
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You're saying credit cards didn't enable online merchants?

Well, anyway, Apple Pay isn't just RFID payments, you know? It's also an API for payments through mobile apps.

WelshBloke said:
I know, I used to use them.

Thing to learn is to move the technology on, not to start involving extra, unnecessary organisations in the transaction.
Click to expand...
Your current cards don't have raised numbers?
 
Midwayman said:
The good news is that with Chip based CC's coming in the US by fall 2015, you'll see the older CC readers disappear and the new models will probably have tap to pay. It'l become a lot more viable.
Click to expand...
My new Amex has what could be a chip on the front of it.
 
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