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[Q] Mobile Payment app for the uk

I have recently got the HTC One X which has NFC, I was refusing to get a phone without NFC but I have worked out in the UK it is useless. There are many NFC enabled payment terminals all over the country, every Gregs has one also Mcdonalds and many other shops, however there are no apps to utilise this technology. In the US they have Google Wallet, in sweeden (I think) they have pay-pal but we have nothing in the UK.
Does anyone know of any NFC enabled payment apps that will work on the three network in the UK on an unrooted phone?
I am getting really annoyed with the slowness of technology in the UK, there is no 4G, the underground has not made an NFC oyster card app and banks are not incorporating NFC into their apps either unlike a lot of others around the world.
What are you thoughts on this lack of technology available to us compared to other countries?

mwarrington1992 said:
I have recently got the HTC One X which has NFC, I was refusing to get a phone without NFC but I have worked out in the UK it is useless. There are many NFC enabled payment terminals all over the country, every Gregs has one also Mcdonalds and many other shops, however there are no apps to utilise this technology. In the US they have Google Wallet, in sweeden (I think) they have pay-pal but we have nothing in the UK.
Does anyone know of any NFC enabled payment apps that will work on the three network in the UK on an unrooted phone?
I am getting really annoyed with the slowness of technology in the UK, there is no 4G, the underground has not made an NFC oyster card app and banks are not incorporating NFC into their apps either unlike a lot of others around the world.
What are you thoughts on this lack of technology available to us compared to other countries?
Click to expand...
Click to collapse
It's incredibly annoying. But I've been using Google Wallet for the past few months at McDonalds and Greggs. I used the initial $10 and then got my friend to purchase a $100 prepaid mastercard fro me in the US.
Orange say they'll be releasing their Quick Tap application to Android users with NFC phones some time soon, but I'm not sure about exactly how it will work. If it's going to use the built-in Secure Element, they'll have to get permission and secret codes from Google/HTC first. If it's going to use the SIM card as the secure element, then it will probably only work with Orange SIMs, which sucks.
Furthermore, I'm not even sure if they'll support the One X - it isn't supported with Google Wallet afterall.
I use a Galaxy Nexus and I worry that Quick Tap won't be supported, as I'm pretty sure they'll be using the SIM as the secure element, but I'm not sure if the Nexus actually has that functionality. We should know within about a month.

Evangelion01 said:
It's incredibly annoying. But I've been using Google Wallet for the past few months at McDonalds and Greggs. I used the initial $10 and then got my friend to purchase a $100 prepaid mastercard fro me in the US.
Orange say they'll be releasing their Quick Tap application to Android users with NFC phones some time soon, but I'm not sure about exactly how it will work. If it's going to use the built-in Secure Element, they'll have to get permission and secret codes from Google/HTC first. If it's going to use the SIM card as the secure element, then it will probably only work with Orange SIMs, which sucks.
Furthermore, I'm not even sure if they'll support the One X - it isn't supported with Google Wallet afterall.
I use a Galaxy Nexus and I worry that Quick Tap won't be supported, as I'm pretty sure they'll be using the SIM as the secure element, but I'm not sure if the Nexus actually has that functionality. We should know within about a month.
Click to expand...
Click to collapse
I think google have been very slack with their wallet app and will not reach the desired market by keeping it to one or two phones. There are loads of NFC enabled phones out there running on android and they need to sort them selves out.
I think the ONE X will be capable of running the google wallet if I could get it in this country without rooting.
I am hoping HTC will be able to see a market for this and create an app in the HTC hub, or it would be handy if mastercard or visa would make an app for everyone to use. I saw a visa advert the other day that was suggesting it could be used on samsung phones but I have seen no further explanations.

mwarrington1992 said:
What are you thoughts on this lack of technology available to us compared to other countries?
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Click to collapse
Don't get me started....
I'm hopeful that with the Olympics this year we will see a proper push for NFC payment to become widely available; there's the beginning of an infrastructure in place and numerous trials are underway or completing (O2, Barclaycard & Orange, etc).
Personally I'm hoping that Barclays move their Pingit app towards an NFC facility.
As far as what's available today in the UK, only the mini 'stick on' NFC credit card from Barclaycard - sucks really.

Yeah I would happily move banks to Barclays if I could use the ping it app with NFC, there was loads of articles around Christmas time saying google wallet was coming to the UK for the Olympics but I'm not getting my hopes up.

mwarrington1992 said:
Yeah I would happily move banks to Barclays if I could use the ping it app with NFC, there was loads of articles around Christmas time saying google wallet was coming to the UK for the Olympics but I'm not getting my hopes up.
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Click to collapse
Me neither lol. Small comfort, but Pingit as is is now available to anyone with a uk bank account or building society account.

its been 12 months, is there still nothing available in the UK?

rab1es said:
its been 12 months, is there still nothing available in the UK?
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Click to collapse
Annoying no! This country really annoys me when it comes to the uptake of technology, it is nearly a year since Visa did the samsung s3 trail with the PayWave app at the Olympics and still nothing from them.

rab1es said:
its been 12 months, is there still nothing available in the UK?
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Click to collapse
Only Orange's Quick Tap which is very limited availability. I seem to see NFC capable terminals everywhere nowadays too.

NFC Payments ISIS or Google Wallet

I have Google Wallet all setup on my N5 with my American Express card. It works fine for all GW transactions except Tap and Pay (NFC). I get a message that the transaction has been declined by card issuer. When I swipe the card at the same terminal it goes through no problem.
I contacted American Express to find out why the charges are declined. Amex initially said they see no declined transactions on their end. After further investigation with Amex tech support I was told the Amex does not support GW Tap and Pay so the NFC transactions never even gets to them. He suggested I try ISIS Mobile Wallet which they fully support.
When I try to install ISIS from the Play store there are 3 options. ATT, Verizon and T-Mobile. I am on Straight Talk using an AT&T SIM so I tried that one. When try to install it's grayed out with "No eligible devices for app install". I also tried the other two options with the same result.
So I started looking for the ISIS apk to manually load the app and found post about needing a special SIM and carrier restrictions. Also saw that it does not work on rooted phones.
My questions are:
1. Has anyone been able to an Amex card to work with Google Wallet Tap and Pay (NFC)?
2. Is there any way to get ISIS loaded and working onto a stock rooted Nexus 5 using a Straight Talk plan?

Go buy urself visa gift cards with our amex card then use those gift cards on Google wallet. That's what I do...
Sent from my Nexus 5 using Tapatalk

markdapimp said:
Go buy urself visa gift cards with our amex card then use those gift cards on Google wallet. That's what I do...
Sent from my Nexus 5 using Tapatalk
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Click to collapse
But then my individual transactions do not show up on my Amex bill which I need.

pharpe said:
But then my individual transactions do not show up on my Amex bill which I need.
Click to expand...
Click to collapse
You could still match them up to your phone. Google Wallet keeps track of everything just as it'd appear on your credit card statement. Your individual transactions would just appear on your phone, and not your paper statement. I only have my visa card on google wallet since that's my main card, but when I go to costco or buy gas, I use my american express card and swipe it instead of tapping.

Rarscaryfrosty said:
You could still match them up to your phone. Google Wallet keeps track of everything just as it'd appear on your credit card statement. Your individual transactions would just appear on your phone, and not your paper statement. I only have my visa card on google wallet since that's my main card, but when I go to costco or buy gas, I use my american express card and swipe it instead of tapping.
Click to expand...
Click to collapse
I use my official Amex Corporate statement for expense reimbursement. Otherwise I need to keep individual receipts. I'd rather just swipe the card then go through all that.

Quick question, u are using Google wallet as a credit transaction right? It will not work as a debit. I did this at first till I actually read Google wallets instructions.
And can u use american express as payment through Google play store? If so then theoretically it'll work with wallet. Sorry u mentioned that u could.
On my visa card it shows Google Merchant not McDonald's. Doubt this will work in ur case for expenses reimbursement without individual receipts.
Sent from my Nexus 5 using Tapatalk
---------- Post added at 02:33 PM ---------- Previous post was at 02:28 PM ----------
Isis doesn't work with straight talk.
Sent from my Nexus 5 using Tapatalk

My Amex used to work with GW tap and pay, but I switched over to another primary card and it's probably been more than 6 months since I've used it. If I have the opportunity, I'll test it. Given their involvement with ISIS though, it wouldn't surprise me if GW was no longer supported.
Sent from my Nexus 5 using Tapatalk

my amex works fine on google wallet tap and pay. i used it at mcdonalds about a week ago.

ive had the same problem since the wallet 2.0 upgrade, it used to work fine with tap n pay until i upgraded to wallet 2.0....i tried upgrading OS to 4.3 still declined and then 4.4 kitkat and still declined, my visa card works fine, i can even make a play store purchase. Strange that i get declined when using tap n pay

[Q] Tap & Pay in Canada

Just wondering if this is possible to use in Canada. I know Samsung has the Beep 'n Go app that seemed to work pretty well. However google wallet is still not available in Canada to use.

Google hates Canada. Its true...and I'm not flaming, I'm in Canada too.
Can't tell Google now to play my music, cause I don't live in the states. I mean wow. Lol
Sent from my N5 cell phone telephone....
---------- Post added at 10:29 PM ---------- Previous post was at 10:28 PM ----------
Didn't even have play store cards here until very recently.
Sent from my N5 cell phone telephone....

What's with the Google hate for Canada? I also noticed we can't get the Google Play Now Unlimited or whatever

Is it more that the Banks and Credit card companies in Canada are not willing to support Google Wallet? Remember that Canadian adoption of advanced financial options like debit cards far exceeded the US for a long time. That would mean that Canadian financial institutions want you to use their already established methods such as the Interact terminals you see at a Tim Hortons. Can those devices support tap to pay from a phone? I already see people use credit card tap to pay at my local grocery store but only if you are using a specific credit card company.
Sent from my Nexus 10 using XDA Premium HD app

3DSammy said:
Is it more that the Banks and Credit card companies in Canada are not willing to support Google Wallet? Remember that Canadian adoption of advanced financial options like debit cards far exceeded the US for a long time. That would mean that Canadian financial institutions want you to use their already established methods such as the Interact terminals you see at a Tim Hortons. Can those devices support tap to pay from a phone? I already see people use credit card tap to pay at my local grocery store but only if you are using a specific credit card company.
Sent from my Nexus 10 using XDA Premium HD app
Click to expand...
Click to collapse
RBC / Bell allow the Galaxy S3 and S4 to use your phone to tap to pay, but requires a nfc sim card and doesn't actually work yet, but does promise the same support for future phones if they decide to bless them. Insert disgusted sarcastic smiley. (Sounds stupid to me, all you should need to use in that scenario is the nfc sim to tap and pay, the phone is irrelevant other than setup. How about using a NFC ring instead of a phone? Attach an NFC sticker to your finger, done, real tap and pay.)
There is no hate for Canada, Google is a US based company and caters to the US market.

Samsung Pay Stopped Working (Transaction Declined in Canada) (Gear USA Version)

Recently there was an update for Samsung Pay for the Gear.
After this time, the CC on my Gear S3 began to be routinely declined even tho the physical card continues to work.
I called the bank and they said the CC's Expiry date is being systematically incorrectly registered.
So even when entered correctly (multiple retries), the expiry date is erroneously registered.
Environment:
LG V20 stock unrooted
Samsung Pay Gear: 1.3.2103
Samsung Mobile version: 1.3.1703
Gear S3 USA
CC: CIBC

Hmm I've had mine declined at a couple places but they seem to only get declined at the same places. I've used it over the weekend and it worked at most other places.
Maybe you should remove the card and re-add it?
Environment:
S7 Edge stock unrooted
Samsung Pay Gear: 1.3.2103
Samsung Mobile version: 1.3.1703
Gear S3 USA
CC: CIBC

Yesterday, I went to Tim Hortons, Samsung pay on my phone was declined but on my watch worked... It depends on the place since they are franchised I guess.

gremlin007 said:
Yesterday, I went to Tim Hortons, Samsung pay on my phone was declined but on my watch worked... It depends on the place since they are franchised I guess.
Click to expand...
Click to collapse
Are you using cibc visa with the latest samsung pay gear s3 update?

klau1 said:
Are you using cibc visa with the latest samsung pay gear s3 update?
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Click to collapse
Yup, buy I always have the problems at the same stores. So I really think it's the specific retailers and not samsung pay

gremlin007 said:
Yup, buy I always have the problems at the same stores. So I really think it's the specific retailers and not samsung pay
Click to expand...
Click to collapse
Yeah, there is variation according to POS terminal. At some retailers the transaction has to run as a credit card, at others it has to be run as a debt card, sometimes the PIN needs to be entered, sometimes not. I haven't identified any pattern, just trial and error.

In my case, it's not the fault of the merchant, since even places that worked previously stopped working.
Strangely, I tried another cibc cc and it worked. It looks like there's a problem with my existing cc and the bank.
Will need to get another cc.

Samsung Pay UK works with US Credit Cards & MST

Update: There was some debate about MST being disabled since it wasn't implemented in the UK. I just used it at a Circle K with an ancient swipe terminal and it worked fine.
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So as we know Samsung Pay finally launched in the UK. Today I got my new BTU (UK) phone to replace the one with a pink screen. On the pink screen phone I had previously installed the U.S. Samsung Pay and Samsung Pay Framework apps I backed-up from my AT&T S8+. I never got past the start screen because I'm assuming S Pay detected I was using a UK phone with a U.S. account. When the UK version of S Pay was released Samsung Apps offered me an update but the install failed because the UK Pay app was incompatible with the U.S. Pay framework. The framework app gives itself administrator privileges that aren't user accessible so it can never be uninstalled so I couldn't get the UK framework which the UK S Pay app requires. So no love.
On the new non-pink phone I installed the UK S Pay and framework apps. When initializing the phone I intentionally didn't login to my Samsung Account figuring it would bias my phone to the U.S. At the S Pay welcome screen I entered my U.S. Samsung Account credentials. It initialized fine albeit with the S Pay interface tailored to the UK. In the "add card" section it asks what country the card being added is from and I obviously entered the United States. The rest of the add card process was normal and I validated the addition of the cards with my bank. Here's the result.
For whatever reason Samsung didn't implement MST in the UK, only NFC. I'm betting that carries over no matter wherever a UK phone is used. I'll try it tomorrow on a MST terminal to see if that's true. I'll also try it on a NFC terminal to make sure it works but I can't see why it wouldn't. The UK S Pay app has UK membership cards (EG: Tesco) pre-loaded but you can add your own cards manually. It has "deals" but that's obviously useless in the U.S. There are no "rewards."
I have a Gear S3 which works with MST and gives me access to rewards so I'm OK with my phone being NFC only if that turns out to be the case. Someone less lazy then me can try and use the U.S. S Pay app with the UK S Pay framework to see if they're compatible. I'm guessing they aren't. Someone with a UK phone may want to try the U.S. app and framework apps on a virgin (never tried to use S Pay of any origin) now that S Pay's been released to see if anything's changed. I'm guessing not.
Oh well, some Samsung Pay is better than none and I can use my phone for the tube the next time I'm in the UK. Only S Pay supported MST anyway so it's not like a NFC-only version isn't competitive with everything else out there.

So I have the same BTU model here in the USA you. When they released Samsung pay I just went ahead and installed it from the Galaxy apps store. It installed find and I could add my Chase card to it.
When I tried to use it in a place that does not accept NFC payments, it failed. The register gave an error "error reading card number". The owner of the place said it never worked for anyone else either so I'm not sure if it's the missing MST component or the card reader at the store. I have not tried to use S Pay anywhere else but i'll probably give it another try in another place and report back.

clubtech said:
So I have the same BTU model here in the USA you. When they released Samsung pay I just went ahead and installed it from the Galaxy apps store. It installed find and I could add my Chase card to it.
When I tried to use it in a place that does not accept NFC payments, it failed. The register gave an error "error reading card number". The owner of the place said it never worked for anyone else either so I'm not sure if it's the missing MST component or the card reader at the store. I have not tried to use S Pay anywhere else but i'll probably give it another try in another place and report back.
Click to expand...
Click to collapse
MST was deliberately disabled in Samsung Pay for the UK only.

Skander1998 said:
MST was deliberately disabled in Samsung Pay for the UK only.
Click to expand...
Click to collapse
Was this actually confirmed ?

clubtech said:
Was this actually confirmed ?
Click to expand...
Click to collapse
https://www.independent.co.uk/life-...explained-how-does-it-work-card-a7737321.html
“For the UK launch, we’re going to focus on NFC and then we’ll look for opportunities to bring MST later on,” Kyle Brown, Samsung’s head of technology, content and launch management for the UK and Ireland, told The Independent.
“The UK market is very much trending towards NFC, which is why we’re focusing on that for Samsung Pay. Right now, we’re looking at whether we can use MST for loyalty cards or something like that in the future.”

Skander1998 said:
https://www.independent.co.uk/life-...explained-how-does-it-work-card-a7737321.html
“For the UK launch, we’re going to focus on NFC and then we’ll look for opportunities to bring MST later on,” Kyle Brown, Samsung’s head of technology, content and launch management for the UK and Ireland, told The Independent.
“The UK market is very much trending towards NFC, which is why we’re focusing on that for Samsung Pay. Right now, we’re looking at whether we can use MST for loyalty cards or something like that in the future.”
Click to expand...
Click to collapse
Thanks for this. With MST being disabled, I don't see any advantage in using this vs. Android pay in the US.

clubtech said:
Thanks for this. With MST being disabled, I don't see any advantage in using this vs. Android pay in the US.
Click to expand...
Click to collapse
You could flash another country's firmware and hope it enables MST. Though I'm not sure if there's any country with the 950/955F models with Samsung Pay.

clubtech said:
Thanks for this. With MST being disabled, I don't see any advantage in using this vs. Android pay in the US.
Click to expand...
Click to collapse
It's disabled in the app not on the phone. I haven't rebuilt my non-pink phone yet so I tried replacing the UK framework and app with the U.S. versions to see if once S Pay was on the phone if they'd work. Same problems I had with my pink phone - Samsung Pay (U.S.) launches but hangs on the start screen. So it looks like NFC or nothing for BTU phones.

MST works in the U.S. Since you have to specify a country when initially registering cards in the S Pay app maybe MST being enabled or disabled is determined by the credit cards origin vs. what country the phone or S Pay app belongs to.

BarryH_GEG said:
MST works in the U.S. Since you have to specify a country when initially registering cards in the S Pay app maybe MST being enabled or disabled is determined by the credit cards origin vs. what country the phone or S Pay app belongs to.
Click to expand...
Click to collapse
I'm a bit confused. were you able to use MST with your BTU phones in the US with a US credit card?
Sent from my SM-G955F using Tapatalk

clubtech said:
I'm a bit confused. were you able to use MST with your BTU phones in the US with a US credit card?
Click to expand...
Click to collapse
Yep. It was an ancient pre-chip magnetic terminal. I have a Gear S3 with S Pay and the charge I made on my phone counted toward my status in Samsung Rewards. S Pay is so funky though. When I loaded the S Pay app and framework I copied from my AT&T S8 on to my BTU phone it never let me get past the splash screen. But I got an e-mail from S Pay saying I added a SM-G955 to my S Pay account even though I couldn't access the U.S. app on my UK phone.
My S Pay info on my UK phone shows my U.S. account and original registration date. There's something funky going on in the background we're not privy to in the way Samsung Pay's implemented regionally. Maybe the UK S Pay app takes in to account how many UK users travel to the U.S. or live in both places and they've made allowances for that. In all my research on using S Pay in the U.S. on a non-U.S. phone it never worked as simply as it does with UK phones. The only thing we're missing is Deals and Rewards but payment and loyalty cards work the same as on the U.S. version.

BarryH_GEG said:
Yep. It was an ancient pre-chip magnetic terminal. I have a Gear S3 with S Pay and the charge I made on my phone counted toward my status in Samsung Rewards. S Pay is so funky though. When I loaded the S Pay app and framework I copied from my AT&T S8 on to my BTU phone it never let me get past the splash screen. But I got an e-mail from S Pay saying I added a SM-G955 to my S Pay account even though I couldn't access the U.S. app on my UK phone.
My S Pay info on my UK phone shows my U.S. account and original registration date. There's something funky going on in the background we're not privy to in the way Samsung Pay's implemented regionally. Maybe the UK S Pay app takes in to account how many UK users travel to the U.S. or live in both places and they've made allowances for that. In all my research on using S Pay in the U.S. on a non-U.S. phone it never worked as simply as it does with UK phones. The only thing we're missing is Deals and Rewards but payment and loyalty cards work the same as on the U.S. version.
Click to expand...
Click to collapse
You mention your gear S3. Did you pay with the phone or the watch?
The watch has always worked for me when it was connect to my UK 8+.
When I tried to pay with the phone by holding it to the terminal it errored out for some reason.
If you did pay with your phone, is your phone 100% stock (BTU)? You mentioned loading the at&t framework so it's not very clear. I have not done that. My phone is 100% stock with Samsung pay installed from the Samsung Galaxy apps store.
Sent from my SM-G955F using Tapatalk

clubtech said:
You mention your gear S3. Did you pay with the phone or the watch?
Click to expand...
Click to collapse
Seriously? My phone. The only reason I mentioned the watch is because the Gear S Pay app offers rewards and counts the number of payments you make to reach tier status. The MST transaction I made on my phone showed up as purchase in the Gear S Pay app's transaction counter which means they are both operating off of the same U.S. S Pay account. If my UK phone had a separate S Pay account purchases wouldn't be recognized in my U.S. S Pay rewards program. And there is no UK rewards program. So S Pay on my phone is behaving as if it was the U.S. version (minus U.S. deals and rewards being visible).
This is the Gear S Pay app. I had 14 purchases this morning before using my phone's S Pay app at Circle K. So there's no question both my phone and Gear are using the same U.S. S Pay account. And there's no relationship between the Gear and phone S Pay apps. Cards are added and maintained completely independently as are individual transactions.

BarryH_GEG said:
Seriously? My phone. The only reason I mentioned the watch is because the Gear S Pay app offers rewards and counts the number of payments you make to reach tier status. The MST transaction I made on my phone showed up as purchase in the Gear S Pay app's transaction counter which means they are both operating off of the same U.S. S Pay account. If my UK phone had a separate S Pay account purchases wouldn't be recognized in my U.S. S Pay rewards program. And there is no UK rewards program. So S Pay on my phone is behaving as if it was the U.S. version (minus U.S. deals and rewards being visible).
This is the Gear S Pay app. I had 14 purchases this morning before using my phone's S Pay app at Circle K. So there's no question both my phone and Gear are using the same U.S. S Pay account. And there's no relationship between the Gear and phone S Pay apps. Cards are added and maintained completely independently as are individual transactions.
Click to expand...
Click to collapse
Thanks you for clarifying. I'm going to give another try then!
Sent from my SM-G955F using Tapatalk

clubtech said:
Thanks you for clarifying. I'm going to give another try then!
Click to expand...
Click to collapse
Keep in mind some stores block MST at the terminal. Walmart's an example. If a credit card has a chip in it you can't use it magnetically via MST. The same applies if the chipped card is physically swiped - it kicks back an error. There must be some type of flag in the magnetic encoding (which S Pay emulates) of chipped cards that alerts the terminal a chip is present. I can use my chipped credit card via MST at Costco's chip-enabled terminals so it's definitely a merchant rules thing. I can also use my non-chipped debit card at Walmart via MST which I'll be trying with my phone this afternoon.
Update: Used MST again at a Winn Dixie with a chip reading terminal.

thanks for the info, I was waiting forever and was pissed to hear no MST support although UK and US still need it. I will try it at Kroger or some gas station tomorrow

update: I tried it at a store I am 95% certain doesn't have NFC readers and it read like a card asking for pin code, super quick and felt powerful, I just hate that certain retailers reject it ugh

I took the update to S Pay UK that's on Samsung Apps. MST still works.

XEU S8 UK
BarryH_GEG said:
I took the update to S Pay UK that's on Samsung Apps. MST still works.
Click to expand...
Click to collapse
Could you please let me know what SPAY and Framwark apks are you using?
I got my S8 Exynos from EBAY, Samsung pay didn't work because I had the AFG CSC, so I reset the phone with a UK sim in it and that changed the CSC to XEU (UK).
Now when I open Spay it keeps saying look for the NFC tag on the device at point of purchase.. no MST... I didn't try it here in the US yet.
I have the Dual Sim phone with AT&T and a UK sims inside.
when I tried to install the US apk from the APKMIRROR I couldn't go past the first screen when I open the app.
Any suggestions how to get it work on my phone.
Thank you for your time and help
Best,
Joe

J o s e p h said:
Could you please let me know what SPAY and Framwark apks are you using?
Click to expand...
Click to collapse
S Pay = 2.7.21
Framework = 2.7.5