Paying with your Phone

edited 30 December 2019 at 6:34PM in Budgeting & Bank Accounts
111 replies 5K views
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  • xlnc99xlnc99 Forumite
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    afis1904 wrote: »
    You don't need to open the app, unless it's Samsung Pay. Just unlock your screen and hold the phone to the card terminal

    Really? so just unlocking your phone and even its on the home screen it will still take payment from google pay! that is nice, saves hassle and time
  • xlnc99xlnc99 Forumite
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    molerat wrote: »
    I like that function. Dates and times of where you used GPay then flick through each card to see that info for the particular card. Location also shown on a map.

    google pay also shows location of payment? that is a nice feature! how far to the receipts go for any transactions made? 1 year? 2 years?

    google pay sounds like the one for me
  • BallardBallard Forumite
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    colsten wrote: »
    Absolutely. Selecting the digital card you want to pay with takes a fraction of the time it takes to pull the right physical card out of your physical wallet. And the risk of ever losing (by accident or to thieves) any or all of your cards is next to zero. Also, the risk of forgetting one of your cards at home is minimised.

    I can’t think of any regular occurrence when I use my card and am not in a queue of some sort. Pub, supermarket, corner shop. In a restaurant I’ve generally had a significant amount of time to get my wallet out. I can therefore live with losing 0.6 seconds each time I pay.

    There may be a benefit to not carrying the physical card with regards to loss/theft but I’ve managed so far without losing one and a phone can equally be stolen and has the added risk of running out of power or failing.
    I hate verisimilitude.
  • Wheres_My_CashbackWheres_My_Cashback Forumite
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    xlnc99 wrote: »
    from the discussion on here it looks like google pay is most popular for people without iphones who use apple pay. i am leaning towards google pay

    Samsung has limited availability of financial institutions who've signed up to enable it so probably best to go with Google, try it and see how many milliseconds you can save in your day to day life. It could be life changing :D
  • xlnc99xlnc99 Forumite
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    Samsung has limited availability of financial institutions who've signed up to enable it so probably best to go with Google, try it and see how many milliseconds you can save in your day to day life. It could be life changing :D

    to be honest its not something that 'i must do' but more rather me keeping up to date with technology. It seems this is the way the future is going to be taking us and sooner rather then later it will take over. I am trying to get a head start. That said i am going to trail it but i will still probably use my card aswell. I just want to see the benefits at the moment and get used to the new tech
  • MigsterMigster Forumite
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    xlnc99 wrote: »
    google pay also shows location of payment? that is a nice feature! how far to the receipts go for any transactions made? 1 year? 2 years?

    google pay sounds like the one for me
    Looking on my phone now, G Pay transactions only go back a couple of weeks, so it doesn't keep a massive audit trail of activity. That said, the phone is only acting as a proxy for the card itself, so all transactions still hit your bank account as if you had paid with the actual card, so everything will be visible in your banking app.

    Also, just to clarify something else, with G Pay you don't need to unlock your phone to pay if the amount is below the normal £30 limit for contactless - the phone just needs to be awake. Above this amount, it needs to be unlocked, but you don't need to open the app.

    I think it was mentioned earlier, but you can also add your loyalty cards to the app (it uses the phone's camera to scan them in). For these, you will need to go into the app when you go to pay and select the loyalty card and then scan its barcode.
  • xlnc99xlnc99 Forumite
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    what about apps you have on your phone - for example i have a subway app that lets me scan for points. Can i add that to my wallet? I no it sounds daft but there are many issues with using the subway app, keeps crashing all the time. IS there a way to load this to your wallet and apps like this?
  • Mrs_RyanMrs_Ryan Forumite
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    My Apple Pay is an absolute godsend. I do carry my debit card but rarely use it- if I needed cash I can use the ‘Get Cash’ feature through the NatWest app so don’t really need to. My credit cards aren’t compatible with Apple Pay though so if I want to pay by credit card I do have to tap them.
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  • edited 1 January 2020 at 9:43AM
    BallardBallard Forumite
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    edited 1 January 2020 at 9:43AM
    Mrs_Ryan wrote: »
    My Apple Pay is an absolute godsend. I do carry my debit card but rarely use it- if I needed cash I can use the ‘Get Cash’ feature through the NatWest app so don’t really need to. My credit cards aren’t compatible with Apple Pay though so if I want to pay by credit card I do have to tap them.

    An absolute godsend is very strong. You don't seem to have the same reason to use it as Colsten so what benefits do you see (genuine question)?
    I hate verisimilitude.
  • 18cc18cc Forumite
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    If you want to add your credit cards then get a Curve card - that is the way I have added my Barclaycard (to my Samsung Pay but the principle is the same)
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