Android Pay, Google’s mobile payments system that was first announced earlier this year has just recently been rolled out, it allows you to use your phone as if it were a credit card or debit card at participating retailers stores in the United States, participating stores include Staples, Best Buy, McDonald’s, Macy’s, Walgreens, Subway, Whole Foods, Toys, Walgreens, Toys R Us, Office Depot, BJ’s, GameStop, and Rite Aid, just to name a few.Samsung Pay. But Google’s solution should work with a huge number of phones, since it supports just about any smartphone running Android 4.4 or later as long as it has an NFC chip. Android handsets that come with an NFC chip will be able to use the feature when checking out at retail stores and restaurants that have an NFC-based POS system. Those who had downloaded the Google Wallet app can update it to Android Pay which is a simpler, easier and contactless payment option. New users can download and install Android Pay directly from the Google Play Store.
Google is not taking a dime with Android Pay. That's because Master Card and Visa are allowing Google free access to their standardized tokenization security features. With tokenization, credit/debit card account numbers are exchanged for a unique series of numbers that will validate a specific transaction, but keep credit/debit card account numbers secret.
Samsung Pay manufacturer's entry in the mobile payment business, will debut in the U.S. on September 28th. Unlike Apple Pay and Android Pay, Samsung Pay will work even if a retailer does not have an NFC based POS system. In that case, it uses the same magnetic based swiping technology that retailers use to ring up payment cards. Google also plans to expand Android Pay so that you can use it for store loyalty cards and special offers as well as purchases made through apps.
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