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| Barclays Android app makes £100 contactless payments | Barclays Android app makes £100 contactless payments |
| (about 20 hours later) | |
| Barclays has upgraded its Android app to allow UK customers to make contactless payments in stores via their handsets. | Barclays has upgraded its Android app to allow UK customers to make contactless payments in stores via their handsets. |
| The bank has opted to provide the facility rather than support Google's Android Pay service. | The bank has opted to provide the facility rather than support Google's Android Pay service. |
| Both allow payments of up to £100 via compatible terminals, although sums over £30 require the use of a Pin code. | Both allow payments of up to £100 via compatible terminals, although sums over £30 require the use of a Pin code. |
| Barclays says its app also allows customers to carry on spending if they lose one of their physical cards. | |
| That is because if a card is cancelled, Barclays can immediately upload the details of its replacement to the app, as soon as it is issued. | That is because if a card is cancelled, Barclays can immediately upload the details of its replacement to the app, as soon as it is issued. |
| This is also possible via Android Pay, where customers are told they need to wait up to 48 hours for a new account number to be created and the updated details sent to the app. | |
| However, one analyst said that Android Pay had another factor in its favour: a growing number of apps allow people to use the tool as a way to make payments without having to type in card details. | However, one analyst said that Android Pay had another factor in its favour: a growing number of apps allow people to use the tool as a way to make payments without having to type in card details. |
| This is also possible via Apple Pay, but not Barclays' service. | This is also possible via Apple Pay, but not Barclays' service. |
| "Swiping your phone in a store doesn't often offer that much benefit to the user compared with just using a contactless card," said Jack Kent from the IHS Technology consultancy. | "Swiping your phone in a store doesn't often offer that much benefit to the user compared with just using a contactless card," said Jack Kent from the IHS Technology consultancy. |
| "But what we think will be a big driver to adopting Android Pay or Apple Pay is the in-app purchases, in which people can have their shipping and billing information pre-loaded to help speed up transactions. | "But what we think will be a big driver to adopting Android Pay or Apple Pay is the in-app purchases, in which people can have their shipping and billing information pre-loaded to help speed up transactions. |
| "That offers a very clear benefit to users that they can't get via Barclays' tool." | "That offers a very clear benefit to users that they can't get via Barclays' tool." |
| Barclays supports Apple Pay rather than offering a similar proprietary service on iPhones because Apple does not allow third-party apps to make use of its iPhones' near-field communication (NFC) chips. | Barclays supports Apple Pay rather than offering a similar proprietary service on iPhones because Apple does not allow third-party apps to make use of its iPhones' near-field communication (NFC) chips. |
| Microsoft also launched a new version of its Wallet app this week that allows Windows 10-powered handsets to make contactless payments. However, it is currently limited to US-based phone owners. | Microsoft also launched a new version of its Wallet app this week that allows Windows 10-powered handsets to make contactless payments. However, it is currently limited to US-based phone owners. |