Slideshow 6 Things to Expect from Android Pay

  • September 04 2015, 11:24am EDT
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Android Pay is Google's third attempt at a digital wallet, following Google Wallet and Google Checkout. How much has the technology giant learned from its past experiences?

Build a Conduit

Android Pay is designed as a conduit for in-app payments and loyalty, rather than Google Wallet's design of being an app that stores payment cards, according to Jack Connors, who leads Google's merchant partnerships for Android Pay.

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A Tool for Merchants

Android Pay aims to facilitate the merchant experience, not usurp it. "Mobile wallets have to offer what the merchant would and play nicely with merchant apps," Connors said at the 2015 Mobile Payments Conference.

Consumer Control

The Android Pay experience is also designed around putting the consumer in control of what the app sees. "We don't get any user data," Connors said. Users must proactively add gift cards and offers through a "Save to Android Pay" button.

Plentiful Partners

Google Wallet launched with just one carrier partner and one bank partner. Android Pay will have wider support, and it will even work on handsets made by Samsung, which is building its own Samsung Pay wallet.

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Shedding Old Baggage

Google Wallet tried to be everything — it was a mobile wallet, an e-commerce checkout system and a person-to-person payment tool. Android Pay is shedding much of this to simplify its message.

Added Authentication

Much like Apple Pay, Android Pay will enable fingerprint authentication if it is used with a phone that has a built-in fingerprint reader.