Applications for paying for purchases with an Android smartphone

How NFC works

The service is built on RFID systems and creates two-way communication between endpoints. Earlier systems, such as contactless smart cards, were unidirectional. NFC applications were first used in devices running Android 4.0 Ice Cream Sandwich , and the feature was then called " Android Beam ". First introduced on Google Nexus.

To process mobile payments, Android Beam uses NFS to enable Bluetooth on both devices, instantly pairs them, and automatically turns off Bluetooth on both devices once the desired transaction is completed. It was also used in Samsung Galaxy with S-Beam .

What is PayPal?

In its most limited version, the international wallet became available to Russians back in 2011. After 2 years, citizens of the Russian Federation received the right to open accounts in domestic currency. At the beginning of 2020, users who have registered their account in Russia can:

• shopping;
• pay for services;
• withdraw funds to your bank accounts, as well as to the accounts of other citizens.

The last option is not available in all CIS countries.

Owners of domestic online stores can now trade on the famous eBay auction, offering their goods only to compatriots for now.

Based on the above, we can conclude that PayPal is an international payment system, an electronic wallet, the functionality of which allows you to make purchases in the vast majority of stores in the world.

If we consider PayPal from the point of view of Western users, it is a system with extensive capabilities that continue to expand. At the moment, it is more convenient for Russians to use Yandex.Money, Qiwi or WebMoney, but only when it comes to shopping on the domestic market. PayPal will be much more useful abroad.

Before moving on to practice and starting to figure out how to register in the system, we list a number of its features:

• When paying for goods, no commission is charged;
• the online store receives its money only after the buyer reports receipt of the parcel with the goods;
• The buyer has 45 days to open a dispute with the seller.

Expert opinion

Alexander Ivanovich

Financial expert

Important: when paying for goods, the commission fee is paid by the recipient, that is, the seller.

If you want to send a transfer, when using a card, the service will remove a commission from the amount. The situation is different if we apply counting.

• How to create a Yandex wallet in 2020
• How to open a corporate Paypal account?
• What is better WebMoney or Paypal?

The best NFS payment apps on the market today

Currently, there are several NFC-compatible smartphones such as Google's Nexus series, Samsung's Galaxy Series, and iPhone.

Currently, the following NFC programs for Android use this technology:

• Android Pay,
• Samsung Pay,
• Visa payWave,
• MasterCard PayPass,
• PayPal
• LifeLock Wallet,
• Square Wallet.

Let's take a closer look at these working programs.

Android Pay

Android Pay is one of the most popular digital wallets. Anyone with the app on an Android smartphone can pay with a simple tap on the point-of-sale terminal, which has near-field connectivity or NFC. The list of countries that support Android Pay has grown over the past two years. There are many providers and companies like PayPal that have teamed up with Android Pay to leverage the touch and pay app functionality. In fact, many retailers now provide customized payment apps for their customers.

It is very easy to enable NFC card emulation function on Android. Just first you need to download the application from the Google store

Which phone models support contactless payment?

Shopping via smartphone is available on all devices with NFC. To check for a chip:

1. Open the top curtain, find and activate "NFC" .
2. Or go to "Settings" .
3. Select the "Networks" category, open "Sharing" or "More" .
4. Activate the module.

Another option is to check the presence of the module in the official device specifications.

Note! If the user has a modified Android smartphone for the Chinese market with “Asian” firmware, then payment via NFS will not be available through Google Pay. At the same time, it will be possible to use third-party applications for payment via NFC.

Registration with PayPal

Having decided on the features of the system, let’s figure out how to become its user. The registration process can be completed in one of 2 ways:

• by visiting the corporation's website https://www.paypal.com/md/home;
• through the seller's resource where you found the desired product.

PayPal Hotline

At the initial stage you will need to have an email address. In the future, you will need to enter and confirm personal information about yourself.

The algorithm is as follows:

1. Visit the website listed above.
2. Click on the “Register for free” command.
3. Select the account type. You can open a “Personal Account” or “Corporate...”. The latter is suitable if you are going to promote your business using PayPal.
4. Click on “Continue”.
5. Enter your login password and e-mail in the required fields.
6. Fill out the form, indicating personal information about yourself. This is not only your full name, but also your ID details, as well as your mobile phone number.
7. Confirm your registration via email, where you will receive a letter with the necessary link.
8. Register your card.
9. Go through the payment instrument confirmation procedure.

Entering personal data and registering the plastic card can be done later. These actions will expand the capabilities of your account.

Expert opinion

Alexander Ivanovich

Financial expert

Important: an email box with the “.com” domain is most acceptable, as it is rated higher. PayPal accepts mail from any mail servers.

How to set up Androi Pay on Xaiomi gadgets

To carry out contactless payments, wake up the smartphone, unlock it, bring it to the terminal, and, if necessary, select a source for debiting money.

Application of contactless payments via Android Pay

In Russia, payments via Android Pay are carried out everywhere using terminals and cards with the PayPass and PayWave functions. With phones with the application, you can pay with one touch in all retail chains. To make a payment using the Android Pay application, you need to hold your smartphone close to the terminal for a couple of seconds. If the transaction is successful, the message “Approved” will appear, and the terminal will notify you of the payment using a signal.

Depending on the state of your banking settings, the terminal may prompt you to enter a code or sign a check. Sberbank when making contactless payments in the amount of more than 1000 rubles. requires PIN.

Features of contactless payments implemented via Android Pay:

• The system allows you to carry out three operations in a row for an amount of up to 1000 rubles. each, on the fourth transaction you will have to unlock the smartphone using a pattern key or fingerprint
• it is possible to connect several plastic cards (in this case, the user will have to select the main plastic card as the default payment method)
• Android Pay allows you to pay in mobile applications and on websites via Google Chrome (the service is available in Uber, OneTwoTrip, Rambler cash desk, Kinokhod, Ozon, Yandex.Taxi and other applications)
• the system accepts payments through Yandex.Kassa, Assist and Payture

When making payments, Android Pay does not use data about connected cards. The system creates copies of them to transfer information to the seller. Details of real plastic are stored on Google servers. When disabled, data from the Android Pay app is deleted. Despite the good protection, the creators recommend using a gesture or fingerprint lock. If the phone is inactive for 3 months, the information is erased automatically.

Linking a card in PayPal

You can link several cards to PayPal. Without this action, the functionality of the service will be limited. The procedure for linking a payment instrument to PayPal can be carried out immediately after registration, if you have a suitable card, or after some time, when you issue the required type of plastic card.

If you link a card right away, you need to fill out information about the payment instrument during the registration process, and then go through verification at one of the stages of creating an account.

If you are linking over time, the algorithm is as follows:

1. Log in to your account.
2. Click on the “Account” tab.
3. Go to the “Link a card” section.
4. Enter all the required plastic details, including the security code.
5. Click on the “Save” command.

The card is linked to the system, but not confirmed. To confirm the pestle, PayPal withdraws a small amount from it - 1.90 USD (the money will subsequently be returned to the account). Your task is to find a bank statement in online banking and take a code from it, which you need to enter in the previously mentioned “Account” section. Once you do this, the payment instrument will be synchronized with PayPal. You can use money from your balance to make purchases where the PayPal logo appears in the payment options.

Expert opinion

Alexander Ivanovich

Financial expert

Important: if you pay directly from the card, there is a risk of running into scammers - 1.8%. If you pay with PayPal wallet, this risk is reduced to 0.17%.

Before continuing, let’s decide on the type of card that can be linked to the system being described:

• Visa;
• MasterCard;
• Maestro;
• American Express.

This can be a debit card or a credit card. A debit card has more advantages. Don’t forget to check that there are at least 150.00 rubles in her account at the time of registration.

How to issue an invoice for payment in Qiwi wallet?