The rise of mobile payment

Mobile payments are here, but how long will it be before we can leave our cards at home?
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The rise of mobile payment

More ways to pay

Mobile payments are set to revolutionise how we shop in the UK. Following this week’s news of the world’s largest phone manufacturer releasing its mobile payment service in the UK, we could see a swift rise in popularity. But, how will it differ from the likes of Samsung and Android's services?

Samsung Pay and Android Pay both more of less do to the same job - they let you pay for stuff, in shops, using your smartphone. However, unlike competitors, Samsung won’t need shops to buy new machines to read your phone’s NFC (near field communication) sensor. Instead, it’ll let you pay using the magnetic strip reader that’s already in most card machines. Simply tapping your phone next to the strip reader will complete the transaction.

The service will run exclusively with the S6 and S6 edge for now, but will no doubt be introduced to future Samsung mobiles coming later this year.

Google Wallet aka Android Pay

Android Pay, formerly known as Google Wallet, has been around for a few years, but is a very slow burner. The service, which has just seen improvements following Google’s I/O developer conference, will allow you to tap your phone on NFC readers to pay for goods and services, like using a contactless bank card.

The system will also use a PIN to begin with, but this will change in the coming months with Android’s new OS, codenamed Android M. The update will bring fingerprint security to smartphones that already feature scanners.

Looking forward it’s clear the technology is ready, secure and efficient. Smaller merchants are beginning to get on board with the hardware needed, so it won’t be long before we can all confidently leave our debit cards at home when nipping out to pick up some bread.

What are your thoughts? Join the conversation here…

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