Barclays’ service allows customers to use their “wave and pay” feature in shops, restaurants and transport networks (in London). It has been upgraded its Android app to let UK customers make mobile contactless purchases up to £100, although anything over £30 requires a PIN code.
While Android is open source, Barclays is taking adantage of this and it becomes a rival of Google’s Android Pay. Ashok Vaswani, Chief Executive of Barclays UK, says: “Giving customers the choice about how to make everyday payments while making it really easy for people to use our services is why we’ve designed this contactless payment functionality. It’s all there in one place, ready to go with no need to enter card details, delivering a brilliant experience in an instant.”
Only customers who have one of the latest Android smartphones – typically less than six months old – will be able to make contactless payments. To make a purchase up to the contactless maximum of £30 the phone will have to be turned on, but no bank card has to be present. Users select a default bank card within the app, but can switch to another before purchase if required.
Most of the rival UK banks will operate Google’s Android Pay, while Apple iPhone users have had access to Apple Pay in the UK since last year. Similarly, that is limited to owners of the latest NFC-enabled handsets.