Google’s recently announced Android Pay is set to change the way you pay your bills through your phone. Writing cheques, having cash in hand and credits cards is no longer something to worry about, made easy to use, users will only need a supported card terminal to tap their handset against. But this is very similar to the Google Wallet tap to pay app used to make money transfer especially for online payments. This may be confusing to users who were already using the Google Wallet app considering that they both handle mobile payments.
Contrary to Google’s expectations, the Google Wallet didn’t take off, so instead of having an all in one application, Google separated a mobile payments and money mobile management into two individual apps. Basically, the recent launched Android Pay has the same feature of the Google Wallet but is much easier to use. This is pretty confusing for most users but hopefully an in-depth look into the differences will clear everything up.
Android Pay is meant for in-store transactions and soon for online payment transactions whereas the digital Google Wallet will continue to be a money transfer system between individuals. The fully-featured MasterCard in form of a digitally managed Wallet Card will also remain in use.
One of the differences between the two apps is that Android Pay needs to participate with the relevant banks and card issuers to implement its operations. Adding a debit card or credit card is automatically verified by your bank, after which users can use a virtual number within their Android Pay app, which not only ensure safe and secure transactions but also ensure your data won’t be compromised.
Different from the Android Pay, the Google Wallet needs you to open an app, input a pin to unlock your credit card whereas the Android Pay is synced into your phone’s operating system. All you need is to tap your unlocked phone against a credit card terminal to get it working. For NFC- enabled devices complemented with Android 4.3 and above can also rely on the fingerprint scanner recognition featured in Android M. Also unlike Google Wallet, the Android Pay does not have any stumbling blocks when it comes to the phone carrier a person is using.
Apart from your debit and credit cards management, Android Pay also manages the loyalty and gift cards you may have and that are recognized by the App. If you have an unused card, you can have it digitally stored in your app by simply scanning the card onto the Android Pay. While making payments, Android Pay automatically prompts you to use your unused loyalty or gift card.
The introduction of Android Pay however has not made Google Wallet irrelevant, the point of it all is that the app is changing, having instead simpler features. Google Wallet app will simply focus on sending and receiving money between peers, manage transactions over the internet along with managing its physical Wallet Card. Simply the Google Wallet is a tool for managing your bank account, while the Android Pay is a safer and easier way to make mobile payment.
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