How to pay from your mobile

I told you in the previous post on the safest method to block the mobile that this would be useful to us for the next post on the payment with mobile. It seems complicated or too modern, right? the possibility to register your credit or debit card on your mobile to make payments using the NFC directly (same chip using the contact cards that we don’t need to insert into the reader) It’s been a few years between us.

ong >, what happens is that it has taken a long time to get to Spain… fault of the banks and their committees, you know (I don’t want to mess with them much because I have several friends who read this blog and are in the financial world: D).

The thing is, just as it will happen in a few months to the taxi world (I don’t want to get too much into them either, not for lack of desire, but for not losing one of the seven readers I have (yes friends, we are growing! Woohoo!), they have finally had to go through the ring and modernize some things. At first, banks said the conditions that required some mobile payment methods such as Apple Pay were unacceptable… but look where, it seems that little by little they seem more acceptable… so the prin

the Banco Santander with an exclusivity contract of 1 year and, now that the year is close to completion, has said The Caixa that will integrate Apple Pay before the end of 2017, so Little by little we’ll see more banks get in the car, just like he did. BBVA but in this case with exclusivity on A devices

droid.

In other countries of the world we can find everything… for example, in the United States is very widespread and for many years the card payment for almost everything, which seems like an advantage… but sometimes it is possible to find very old readers who still can’t stand contact and that no one has changed because it still works great, but it is not possible to pay from the mobile. In Denmark on the contrary, everything is paid by card or with different applications that exist to store balance on the mobile and be able to make the payment without carrying cash, so it is very common to order a cerv

and bring you the beer and the phone or pay some friend and make it pay for your share, etc. Not that we can’t do that around here, but we still don’t have it very extended… time to time.

There’s a situation that particularly bothers me. No longer being able to pay by card or not (there are shops that still don’t accept it… for example in my life hairdresser… she will know what she declares to the Treasury and what she doesn’t), but what really bothers me is when they tell you ‘The minimum payment by card is 10 €‘. This practice, increasingly less and less used by fortune, is not entirely legal. If the establishment puts on the door that accept card payments, it means that they accept card payments. If there is a minimum price it must be specified at the door or otherwise it is illegal. In addition, this practice

When each transaction had an implicit cost to trade… but today almost all banks work at a flat rate for cards from a certain amount, so most shops already have this rate and there should be no minimum to accept the card.

And what about Android?

In Android for a change, It’s a little segmented.. First he arrived in Spain Samsung Pay with an agreement with La Caixa and, a few months later, he arrived Android Pay, which did not require any Samsung brand mobile, simply have NFC chip, an Android version higher than 4.4 (KitKat) and not have rooted the phone (we’ll talk about what it is another day

to ‘rootear’ or to ‘jailbreak’), although their arrival was also limited, being compatible only with BBVA… so, as you can see, today each service goes by the hand of a bank, so the choice does not depend on what application to use but on which bank you have the pasta: (

We do not know how long these services will continue to work this way, but what is clear is that each has signed a exclusivity with the bank that has most interested you and that little by little we will see how more banks are being integrated. We’ll see what happens at the end of 2017 when Santander’s exclusivity with Apple is over.

In parallel, some banks have chosen to integrate the card into their own application, for example Bankia has chosen the latter and you have to open the Bankia app in order to make the payment the same way you would with the previous ones.… what’s the problem? Because if you have several bank cards or a business card and other private ones, you’ll have to take chorrosotohundred apps installed and remember where you have each one… not very cool. The reason is related to the conditions of the various global services or

the restrictions of exclusivity agreements, the bank does not want to stay behind but cannot be integrated with any of the previous services, so it brings out this solution so that everyone is happy.

Come on, I want to do that so modern, what do I do now?

First you have to add the card in the corresponding app, for this you have to follow the instructions (very simple and for all the public) of each of the applications:

– https: / / www.bancosantander.es / en / particulares / banca-online / apple-pay– https: / / www.bbva.es / general / banca-online / android-pay / index.jsp– https: / / www.bankia.es / en / private / services / pago-por-mobile– https: / / www.caixabank.es / particular / cards / samsungpay _ en.html–

«target =» _ blank «> https: / / www.carrefour.es / pass / applepay /

It depends on each application, but basically you have to open the app where you have the card and approach it to the card reader as you would with your usual contact card… and that’s it, you will be asked for the PIN or the print if your mobile supports biometrics (We’ve already talked about this around here.)… and nothing else! The app will issue a beep and in the card reader we will see that the operation is being processed.

Another advantage of this system is that We can forget about the role. No of the purchase ticket which will be necessary for changes or returns, but yes of the payment voucher they gave us on that paper chucurrio that it tended to enroll and that within a few days it began to be erased as if it were from an ultra-secret message. To access all the latest purchases and payments we will simply have to open the application and we will see them, without having to enter the bank app or the bank’s website.

I have credit cards and debit cards.

No problem, all mentioned systems support both debit cards and credit cards. In addition, some of them support more cards such as the card of The English Court (supported by Samsung Pay), the Pass card of Carrefour (supported by Apple Pay) or the Ticketing Restaurant card (also supported by Apple Pay).

Does it also serve to store my loyalty cards?

I recognize… I have a problem with the loyalty cards.. I make them all. I have a loyalty card in really unsuspected places, so when they ask me if I have it, I tell them I don’t remember it and they look at it in the database. In fact, they don’t really serve much… by taking away the points at the gas stations (my car consumes MUCH SinPlomo98, so I accumulate more than I would like), the Decathlon and some power stores like Carrefour or Consul, the rest of them don’t bring me any benefit… but there are just in case: D

And that said, in some of the above-mentioned apps you can store the loyalty cards. In addition, there are specialized apps in this as in the case of Stocard (https: / / itunes.apple.com / en / app / stocard-card-fidelizaci% C3% B3n / id444578884? mt = 8 and https: / / play.google.com / store / apps / details? id = de.stocard.stocard & hl = esBut I’m one of the ones who’d rather take everything in the same application, I don’t like to have apps installed.

they do similar things.

And more… AVE tickets, boarding cards, hotel reservations…

My brother travels almost as much as I do, especially to Uk… because the guy keeps printing the paper bills because he’s afraid the phone won’t work or they won’t let him on the plane with the digital boarding pass! I die and I don’t educate him. I’m just the opposite, everything I can carry on the mobile goes to the mobile, and when I have to print something it really hassles me, I see it archaic and against the environment, as well as I think it’s easier to lose the maple with my hotel reservation number than to carry the Booking card on the mobile:

As you can see, I have a few days for next week.

What about security?

By default all these cards are stored locally on your device, by which recalls how important it is to set up a safe locking and unlocking system. Of course all this information is stored safely and encrypted, it is not possible for someone to take away your storage card while you are disconnected and have access to your card data, and this is so in all three solutions. Note that the Spanish banks have insurance for fraudulent transactions and they return the money, for the

or that they have to be very sure of the security so that no one will say later that they have stolen his phone and someone has bought that 90 «TV he has received at home. In addition, You can back up the cloud. If you prefer, so if you buy a new mobile, you won’t have to re-register your physical cards and add one to one all of the loyalty.

In the hypothetical case you lose your cell phone, you don’t need to cancel your cards immediately as you would if you lost your wallet. You’ll just have to get into the web and put your device on Lost Mode to Make Apple Pay Disable and blocked until you disable the Lost Mode and log back in on iCloud. Evidently with Android Pay is exactly the same, if you lose your device you can block it from the web so it is not possible to unlock the terminal

and access to this information not even knowing the unlocking pattern or the locking code.

Well, how do you see it? It seems complicated but you’ll see how it’s not really that much. All these systems take into account that they want to reach the largest number of users, so the way to add the card should not be too complicated or they will only get it frikis like me… so if your bank is supported, don’t hesitate to add your card and start paying! Although you can always do like me and change the bank for this only (in the end I will be real friki: ()