Since it’s launch several weeks ago I have successfully used Android Pay for transactions at two different merchants. The user experience changes depending on which merchant you use Android Pay at. Hopefully consistency will come to Android Pay as it matures.
My first successful transaction at Office Depot went without a hitch. I held my phone to the payment terminal close to the tap and pay icon, it beeped within a second and I saw a green check mark indicating success. I was prompted to enter a PIN on the payment terminal, (similar to the process for a Debit Card). I entered my old Google Wallet PIN and the transaction completed quickly.
That was Easy.
The second transaction at Staples took a little longer. I saw Apple Pay and Tap and Pay advertising taped onto the payment terminal but it wasn’t obvious where to hold the phone. Maybe the tap and pay icon was obscured by the advertising. I held the phone above the advertising and it beeped and I got a green check instantly.
Then the clerk informed me of the total price charged and I paused. The amount she quoted was three times the price of the item, I questioned the amount. Unlike a Credit Card swipe the payment terminal didn’t ask me if the total amount was OK. I asked the clerk how to cancel the transaction. “You can’t” was the response, “go ahead and sign and I’ll process a partial return”. There’s a difference, I was not asked for a PIN, but asked to sign instead. This seems much less secure.
After the transaction completed the clerk took 2-3 minutes of several tries to process the partial return, eventually she asked to see my credit card again. I asked do I scan my phone again, I don’t have that credit card on me!?! “No” she said and pressed a button to complete the return. The clerk handed me both the original receipt with the overcharge and a separate receipt showing the credit amount.
That wasn’t so easy.
The charge shows up on my Chase credit card as a pending transaction, but the credit has yet to show. This is fairly typical, credits take longer. I’ll add an update to this post once enough time has gone by for the credit to appear.
To be fair the transaction at Staples took much longer because of the item ringing up at the wrong price. However the difference in the process is both odd and concerning. At Office Depot I entered a PIN to complete the transaction, at Staples I signed, just like a traditional card swipe. How does the check out clerk verify the signature is good if there is no physical card present? Seems very odd and less secure than a traditional credit card.
The lack of confirmation regarding the amount charged is also a concern. It seems to charge without confirming the price charged thereby requiring a credit to correct any errors at the checkout. Not having the physical card also caused extra delay for the clerk to process the credit.
I preferred the process at Office Depot, the requesting of a PIN adds an extra layer of security which is superior to traditional credit cards that use a swipe. This new process is also more secure than Chip and Sign cards being introduced. I hope when all the glitches are worked out of Android Pay we end up with a PIN requirement. Tap and PIN is much more secure than Chip and Sign or Tap and Sign.
Credit Update October 6th 2015.
The Credit from Staples did get posted 24 hrs later through Android pay. It looks like Credits work just fine. I’ll keep my eye on my Chase account to see when the credit transaction shows up there. The original charge of $24.02 is still showing as a pending transaction.