Is Android pay secure?

[Andreas Lilja]

Like if I get scammed am I covered by my credit card issuer's protection? Is it even more secure than a credit card?

 

Just got scammed for roughly $100, probably because of a card swapping (no PIN) vending machine at work. I'm getting the money back but inserting my new number everywhere is going to be a pain in the arse.

[Kawaii Koneko]

Well, your card issuer should protect you although some do not allow their cards to be used with Android Pay. My PayPal card works, my Capital One card works, my Amex BlueBird does not, and my debit card from my local bank does not, despite the fact that my bank told me their debit card was compatible with AP. Android Pay informs me that my card issuer has not authorized the card for use with AP. My Capital One card required me to actually call customer service to manually authorize it to be used with AP. 

 

I would assume that if your card issuer allows you to use it with AP, then they will protect you. But you will want to check with each bank to verify.

[Donut417]

9 minutes ago, Raskolnikov said:

Like if I get scammed am I covered by my credit card issuer's protection? Is it even more secure than a credit card?

 

Just got scammed for roughly $100, probably because of a card swapping (no PIN) vending machine at work. I'm getting the money back but inserting my new number everywhere is going to be a pain in the arse.

To my understanding Google Pay does not allow the retailer to have access to your card data. Basically the bank issues a token that represents the card. The token is given to the retailer at time of payment, then some type of cryptogram thingy is used for security. The cryptogram is one time use, meaning it will never be used in another transaction, your bank will know how to decrypt it. By because your card number is not actually given, if some one gets the token, they cant use it, because they would need a valid cryptogram and I think that is only generated when you make a purchase, Im not 100% sure how its generated, but I think it has something to do with the transaction. Personally I use Google Pay, I see it as an extra layer of security. 

 

Now as far as your card issuers policy is, Id contact your card issuer. Im sure you still protected, even some card issuers have their own payment app. I know Chase bank does. 

[Razor Blade]

If you have an unauthorized charge with Google pay you need to contact Google...not your credit card company.

 

https://support.google.com/pay/?p=contact-us_mktg

 

If you use Google Pay, the app doesn't share your credit card with the merchant.

[Andreas Lilja]

5 minutes ago, Razor Blade said:

If you have an unauthorized charge with Google pay you need to contact Google...not your credit card company.

 

https://support.google.com/pay/?p=contact-us_mktg

 

If you use Google Pay, the app doesn't share your credit card with the merchant.

Google and Android Pay the same? 

[Razor Blade]

3 minutes ago, Raskolnikov said:

Google and Android Pay the same? 

I believe Android pay is the old app...way back when those features split from the Google Wallet app. It is now Google Pay.

 

EDIT:

 

Here is an article about it.

https://www.androidpolice.com/2018/02/20/google-pay-branding-starting-replace-android-pay-app-web/

Edited March 23, 2019 by Razor Blade

[Kawaii Koneko]

10 minutes ago, Razor Blade said:

I believe Android pay is the old app...way back when those features split from the Google Wallet app. It is now Google Pay.

 

EDIT:

 

Here is an article about it.

https://www.androidpolice.com/2018/02/20/google-pay-branding-starting-replace-android-pay-app-web/

And I still mix the names up to this day. 

 

20 minutes ago, Razor Blade said:

If you have an unauthorized charge with Google pay you need to contact Google...not your credit card company.

 

https://support.google.com/pay/?p=contact-us_mktg

 

If you use Google Pay, the app doesn't share your credit card with the merchant.

I totally forgot about that. Very useful security feature.

 

[ARikozuM]

Google Pay and Apple Pay are both secure. They send your data as a one-use token that can only be used between the merchant and bank to finalize the transaction. As long as you wipe off your fingerprint scanner, you should be okay. 

 

Edit: When you have a fraudulent item like this, you must contact your payment provider (Google for Android and Apple for iOS) or the card company for carded transactions. 

[IAnthonyFX]

1 hour ago, Raskolnikov said:

Like if I get scammed am I covered by my credit card issuer's protection? Is it even more secure than a credit card?

 

Just got scammed for roughly $100, probably because of a card swapping (no PIN) vending machine at work. I'm getting the money back but inserting my new number everywhere is going to be a pain in the arse.

I was 'scammed' with my andriod pay, someone got access to my google account and made lots of purchases in the google store (~4000 usd). But your bank does protect you anyways if there is any fraudulent transactions.
It is relatively safe, but make sure first you google account is very well protected. And if you can avoid it, do not allow for NFC payment. 

[wasab]

Google pay is bitching to me that its not going to allow me to use Android pay because my phone is rooted. Argh. Damn you google.

[Commodus]

13 hours ago, wasab said:

Google pay is bitching to me that its not going to allow me to use Android pay because my phone is rooted. Argh. Damn you google.

That's to be expected, really -- Google and card vendors can't trust the software once it's been rooted, since they can't know what you've done behind the scenes.  It's a similar situation with enterprise software, they need to know certain safeguards are in place.