If you accept customer payments through tap and pay on your retail terminal, you are now automatically able to accept payments through Android Pay. 

This means your customers can make purchases by tapping a phone instead of a plastic card. If you have a NFC (near field communication) capable terminal, you don't need to do anything to get started – just tell your customers to tap away!

The app makes it more convenient for your customers to pay, speeds up check-out time – and moves your lines along.

What is Android Pay?

Android Pay is a wallet-less digital payment platform designed by Google. It allows customers to download the app to an Android phone, add credit, debit, gift and loyalty card information, and use an Android phone, instead of a card, to tap and pay. Wallets and cards can be left at home.

The app also keeps your customers' information secure as card information is not sent with payment.

Is Android Pay new?

Android Pay is relatively new to Canada, having been officially released at the end of May, 2017. Android Pay first appeared in the US in 2015 and is available in many countries including the UK, Australia and Hong Kong.

How does a customer use Android Pay at checkout?

Customers tap your card reader using a phone instead of a card. Both devices and cards have an embedded chip that speaks to your terminal using a radio technology called near field communications (commonly known as NFC). Secure payment information is transmitted during the purchase. 

What does a customer have to do to use Android Pay?

To pay, customers awaken the Android device, but don't need to open the app. (Sometimes, for larger purchases, the customer may need to unlock the phone.) The customer then taps the phone against your card reader. 

Can all of my customers use Android Pay?

Using Android Pay requires your customers to have an Android device that is enabled for tap and pay (near field communication or NFC enabled), which is the case for most Android devices.

Customers also need to belong to a bank that supports Android Pay, such as the Bank of Montreal, Scotiabank, etc. Since Android Pay is relatively new to Canada, the list of banks that support Android Pay grows regularly. 

Alternative Payments Going Mainstream

While wallet-less platforms have been viewed as 'alternative' payments, these kinds of payments are becoming more mainstream, and are even predicted to replace more traditional card payments over the next few years.

If your current terminal does not support NFC, contact us to learn more about the technology, and to figure out if upgrading is right for you.