Is Android Pay Better Than Your Contactless Credit Card?

Matthew Hughes 17-06-2016

Technology has had an incredible impact on how we buy things. In 1958, the Bank of America created the first modern credit card. In 1994, launched, which in turn popularized the concept of online shopping. Now, contactless technologies are making it quicker and more convenient to make small purchases.


The contactless payments market is incredibly fragmented. On one hand, you have the contactless chips that are increasingly being built into bank-issued cards – Visa PayWave, American Express ExpressPay, and MasterCard PayPass are the three biggest examples. On the other, there are solutions built into mobile devices – Samsung Pay, Apple Pay, and Android Pay.

I’m most excited about Android Pay. In the eight months it’s been around, it has penetrated the US mobile payments market and is now making a splash in the UK. But how does it compare? Should you ditch your contactless card for it? Read on for our verdict.

The Security Showdown

Contactless cards and Android Pay are both incredibly new. Perhaps rightly, many people are afraid of them Are Contactless Payment Systems A Threat To Your Finances? Contactless payments have become more popular, but are they secure? What threats surround this new financial fad? More importantly, should you sign up? Read More . They’re concerned about how easy it is for people to access their banking details and make unauthorized transactions.

On paper, Android Pay comes out on top, as it comes with built-in protections against skimming attacks. For each payment, it generates a unique one-time code, ensuring that bank and card details are not handed over to the vendor. Apple Pay does something very similar.



For large transactions (which by-and-large aren’t supported by bank-issued contactless cards), Android Pay also requires that the user verify the transaction by inserting their security code, security pattern, or fingerprint.

For the most part though, contactless cards are pretty secure. This is partially down to the banks themselves limiting the value of the transactions that can be made. Banks regularly perform random checks to ensure the card is being used by the authorized user, where they ask the user to input their PIN to process the payment.

While Android Pay offers greater protections against skimming attacks, users of contactless cards can protect themselves by purchasing an RFID-blocking wallet or card holder Why You Should Protect Your Waveable Visa Card From Mobile Fraudsters Read More . These can be bought cheaply on Amazon for as little as $20.

Availability and Access

Let’s be honest. There’s no contest here. Contactless cards – like Visa PayWave and Mastercard PayPass – are everywhere.


Banks around the world – from Malaysia and Thailand, to Slovakia and the United States of America – are issuing contactless debit cards, and they’re doing it in even greater numbers. Contactless technologies have even found their way into the world of prepaid debit cards.


Acceptance of the technology has similarly soared, especially in Europe and Australia. What was once just limited to a handful of coffee shops and fast food outlets has become commonplace. Retailers that do not welcome it are the exception now, and not the rule.

It’d be unfair to judge Android Pay – which has only been around since September of last year – with something much older. However, it’s worth noting that regional and bank availability for Android Pay is nothing compared to traditional contactless cards.


Firstly, it’s only available in the UK and the US. Those living elsewhere are out of luck. That said, Google’s a very ambitious creature, and it’s fair to say its aspirations aren’t limited to just those two countries.

Bank availability is similarly limited. In the United States, Chase is yet to embrace the technology, although according to Digital Trends, they will soon do so.

In the UK, the list of banks that are yet to support Android Pay include the Royal Bank of Scotland, Santander, TSB, the Co-operative Bank, American Express, and Tesco Bank. Also absent is Barclays, which is working on its own contactless payments solution, called bPay.

While bank support is sluggish, vendors are more enthusiastic. You can even use Android Pay to pay for your fare when you ride the Tube.


Finally, it’s worth noting that contactless cards don’t run out of battery, while phones do. If you’re worried about your phone dying on you, this may be something to take into consideration.

Value Added Services

What makes Android Pay so compelling is the value added services it offers.

Because it’s app-based, it gives users easy access to their transaction history. Users can scroll through and work out what they’ve been spending, making it easier to budget. They can identify fraudulent transactions. Moreover, Android Pay brings in the possibility of integrated loyalty programs.


When it comes to traditional contactless cards, these value added services are at the discretion of the bank. Mine credits a percentage of my purchases to my account when I shop at certain retailers. Other banks are less generous and offer nothing.

Device Availability

To use Android Pay, you’re going to need an NFC-compatible smart phone What Is NFC & Should You Buy a Phone That Has It? [MakeUseOf Explains] If you’re in the market for a new phone in 2013, you’re probably going to hear about something called NFC, and how it’s apparently changing the world. Don’t be fooled by the sales talk though.... Read More . Even in 2016, these are few and far between.

Most of the recent Nexus devices will be compatible. They’re the flagship Android-phones – it’d be weird if they weren’t. Similarly, the more recent high-end devices from LG, Motorola, Sony, and Samsung all support it.

Two recent high-profile devices that lack support for Android Pay include the OnePlus 2 and the Huawei Honor 5X, both of which lack the physical NFC radios necessary for it.


There are also specific software requirements to use Android Pay. It won’t work with devices that have been rooted What Is Rooting? What Are Custom ROMs? Learn Android Lingo Ever had a question about your Android device, but the answer had a bunch of words in it that you didn't understand? Let us break down the confusing Android lingo for you. Read More , or those with unlocked bootloaders. If you’re using a custom ROM How to Find and Install a Custom ROM for Your Android Device Android is super customizable, but to fully take advantage of that, you need to flash a custom ROM. Here's how to do that. Read More , chances are that it won’t work with Android Pay. Finally, you need a smartphone or tablet running Android 4.4 KitKat or above.

If you’ve bought a phone in the past two years, and you haven’t messed around with it, you should be fine.

Contactless or Android Pay: Which Is Better?

Both offerings have their own inherent advantages and disadvantages. Android Pay has better security and allows you to leave your wallet at home. On the flip side, it only works while your phone has power, and there’s a chance your bank or device won’t support it.

Contactless payments lack the allure of Android Pay, but they make up for that by offering better availability and reliability.

Do you use Android Pay? Like it? Loathe it? Let me know in the comments below.

Related topics: Credit Card, Mobile Payment.

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  1. S Hugus
    October 8, 2018 at 2:22 pm

    I find your information a little out of date. 1. I started using Google Wallet in the US in 2011 and have had no problems. 2. Apple Pay arrived in 2014. 3. Australia add Google Pay several years ago too. 4. Google Pay is accepted in many businesses in Iceland today.
    5. I do agree that I prefer using Google Pay over using the US chip credit cards since a pin number is not required.

  2. Declan Marks
    December 8, 2016 at 5:02 pm

    Both contactless and android pay has the advantages and disadvantages. One advantage of Android pay over contactless cards is that you have to unlock the device first to make a payment adding a layer of security whereas contactless cards you can just swipe. So if someone steals you card they can make purchases.

  3. Gary
    October 6, 2016 at 10:58 pm

    Coincidentally I made my first Android Pay purchase today so your article caught my eye.
    It was simple, wave my phone over the terminal and beep, purchase made.
    Much quicker than getting my wallet out and then getting my card out.
    And then putting my card back in wallet before putting the wallet away.
    Love it.

  4. Gerry
    July 20, 2016 at 12:37 am

    Got email from my bank saying Android Pay was now available. Downloaded app...went to add my card and it already had my card details (from Google purchases in the past). I selected 'use this card', went through the setup process, got the SMS from my bank telling me that everything was set up correctly. Next time I tried to use my card, I get a message telling me that it was rejected, so I tapped my phone to the EFTPOS terminal. The terminal then said 'enter your card' (yes, the same card that a second ago it told me was rejected), so I put in my card nad the transaction works. So Android Pay has taken me from the relativly simple act of tapping my card to now having to 1)Tap my card 2)Tap my phone 3) Enter my card into EFTPOS terminal. So a 1 step process is now a 3 step process........thnaks Google.

    • Matthew Hughes
      July 20, 2016 at 1:46 pm

      Whuuuut! Nightmare.

  5. Steven
    June 19, 2016 at 2:54 pm

    I use Samsung Pay. Because I don't ha e to physically go in and turn the NFC on and off with Samsung like you do with Android Pay

    • Matthew Hughes
      June 20, 2016 at 12:30 pm

      That's a really great point.

  6. Paul Williams
    June 18, 2016 at 1:21 pm

    I would use it if Capital 1 would support android pay...

    • Matthew Hughes
      June 20, 2016 at 12:30 pm

      Yeah. Bank support is pretty spotty.

  7. Tom
    June 17, 2016 at 8:11 pm

    The name of Android Pay might be new... but don't forget that it's been around since 2012 on the Nexus 4..... a good few years before Apple got on board with NFC.

    The only problem back then was finding a card terminal that supported it.

    • Matthew Hughes
      June 20, 2016 at 12:30 pm

      That's a good point.

  8. Anonymous
    June 17, 2016 at 7:36 pm

    My 2013 Nexus 7 Tablet has an NFC chip.
    I've noticed that usually only the high end Android phones have NFC. The low and middle end phones do not.

    • Matthew Hughes
      June 20, 2016 at 12:24 pm

      Yeah. That'll be a huge barrier to adoption for Google. They need to work with device manufacturers to get more phones shipping with NFC.

  9. Anonymous
    June 17, 2016 at 7:34 pm

    its really cool

    • Matthew Hughes
      June 20, 2016 at 12:23 pm

      Glad you think so!