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Apple Pay vs. Android Pay – The Battle for Supremacy Continues

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In a few months’ time, Google Wallet will be no more and in its place there will be Android Pay.

This is a new mobile payment system that is set to be launched with Android 6.0 Marshmallow, and it is aimed at making things a little tougher for Cupertino’s Apple Pay.

According to Google, Android Pay represents the future of mobile payments. However, critics argue that it is just another way of the many that Google has been using to emulate the success Apple has seen in the mobile industry over the years. Apple Pay came into life sometimes last year with the introduction of iPhone 6 and 6 Plus. While only a few outlets supported this feature during its early days, it is estimated that close to 700,000 outlets in the U.S. alone can already support this functionality.

What remains to be a huge doubt among tech pundits is whether Android Pay will be able to launch a serious competition against the more established Apple Pay. Nonetheless, this new service is expected to bring along a number of new features and functionalities, and some of them are highlighted in the next section.

Apple Pay vs. Android Pay: Basic similarities

The two mobile payment services both need an NFC chipset for them to work. This chip must be installed on the device in use. Also, Android Pay and Apple Pay both store card information, but only show a virtual card number to the other parties in a transaction as a way of maintaining user privacy.

Apple Pay vs. Android Pay: Basic differences

Even though Apple Pay and Android Pay offer the same services to users of different mobile platforms, they also have their significant differences.

The first thing you will notice when using Apple Pay is that you must add card details to your iPhone. This canbe done with the help of a Passbook app, and once the card info is added, the Apple Pay account will be activated. There are some rumors that the Passbook app might soon be renamed to Apple Wallet, but there is never any truth in Apple-based rumors until the company officially speaks out.

One thing that Apple users will enjoy is the ability to use Apple Pay on devices that have no NFC chips, for instance, iPhone 5 models. As long as you have an Apple Watch (which has an NFC chip), you will still be able to make transactions using Apple Pay with these NFC-less devices.

When it comes to Android Pay, any device using Android 4.4 KitKat and above will be supported. Once it is released, the company says that major carriers such as Verizon, AT&T as well as T-Mobile will able to support this functionality. Also, it is being rumored that vast outlets such as Target are in line to accept payments via this new service.

Just like Apple’s Touch ID, Android 6.0 Marshmallow will be coming in with a fingerprint scanner that will work with Android Pay in authenticating payments. The service will also be connected to major banking institutions, where the app’s primary focus of making in-app purchases and in-store payments will easily be achieved.