Do I need Pay with Google if I've already got Android Pay?
Google has launched a new feature for Android smartphones to make it much quicker and easier to shop online – Pay with Google.
The Android Pay app already manages payments when shopping online and in stores so how does the new feature differ from this and do you need both?
Google says the new feature will speed up shopping online by allowing you skip the forms and checkout with a few quick clicks.
Pay with Google can sync with any account on your device containing your debit or credit card details such as Google Play, YouTube, Chrome or Android Pay.
Using the pre-stored billing address and payment information the feature sends the details to the retailer saving you the hassle of having to type your address and remember your card details.
Pay with Google works on any Android handset or tablet as well as a desktop when browsing with Google Chrome.
The new feature will appear as an option when you checkout online. Rather than clicking pay with debit card or pay with Paypal, you click Pay with Google.
At the moment the feature is available at 15 online retailers including Kayak and Dice, but websites like Airbnb and Just Eat will soon join the line-up.
If some of your favourite online stores do not appear, fear not. Google has also released code for developers to include the feature on their websites free of charge.
Google first teased tech enthusiasts with the information about Pay with Google in May. It also revealed plans to allow customers to pay for items using Google Assistant as well as making it easier to use loyalty programmes on Android Pay.
Think this feature sounds familiar? It may be easy to confuse the new service with the pre-existing Android Pay feature for Android users. Those with a Samsung handset may already be used to using Samsung Pay.
Android Pay confusionPay with Google allows you to skip online forms when shopping on an Android device
At a glance Pay with Google seems to overlap with Android Pay, but they actually compliment each other quite well.
You add your credit, debit and loyalty card information into the Android Pay app then choose a default card to save time when shopping online and in stores.
With Android Pay you still have to fill out the billing address and payment information during checkout. When taken through to the payment stages, if the merchant allows it, you can click pay with Android pay in the same way you would with Paypal.
With the information you have already entered into Android Pay, Pay with Google will make this step even quicker by completely bypassing the need to type information.
As far as we know Pay with Google is just for online shopping whereas Android Pay allows you to use your phone to make quick and easy payment in stores as well.
You use it the same way you would if you were using a contactless card. To make a payment up to £30 you wake up your phone, hold it next to a contactless payment terminal and voila, it’s all done.
This can be used anywhere that has the contactless symbol or an Android Pay logo.
Major retailers including Boots, Starbucks and McDonald’s accept Android Pay.
So what is Samsung Pay?Samsung Pay can be used in place of a travelcard or Oyster on TFL
Here is where is gets tricky as the Samsung Pay and Android Pay systems are almost identical.
Samsung pay is essentially an extended version of the contactless card. By entering your card details into the Samsung app you can then use your phone to pay at contactless point.
All Samsung devices are operated by Android so users with Galaxy S8, S7, S6 and the A3 and A5 phones will have to chose which pay feature they prefer to use, if any at all.
Samsung is a bit late to the party having only launched Samsung Pay a few months ago. It is a year behind Android Pay and two whole years behind Apple Pay.
The main difference between Android Pay and Samsung Pay is the latter’s deal with Transport For London (TFL).
Londoners may naturally lean towards using Samsung Pay over Google’s version as they can use this feature in place of a travelcard or Oyster card when travelling around London.
Out of the two, Samsung Pay appears to be less popular and if you want to use the new Pay with Google feature, you’re better off sticking with Android for your mobile payments.
Confusion cleared up? As useful as Pay with Google sounds, Apple has already beat its rival to the punch.
Apple’s versionYou can use the Apple Watch to make contactless payments
There is no denying Google is unbeaten when it comes to its stellar web browser and range of handsets available on its operating system, but Apple has triumphed on mobile paying features.
Apple was the first to arrive on the mobile pay scene. Apple Pay launched in July 2015 and took the tech world by storm by allowing people to make contactless payments with just their mobile phones for the first time.
People with an iPhone or Apple Watch can select a default card and pay just as they would with a contactless card.
Just like the Pay with Google feature, Apple Pay lets customers skip the online forms when making payments on an iPhone, iPad, Macbook or when browsing on Safari.
Payments via Touch ID is available for Macbook Pro user and has fingerprint recognition technology.
Apple claims its payment app is a safer way to pay as the feature uses a device-specific number and unique transaction code so that your card number is not stored on the device or Apple servers.
A trump card that Apple Pay holds over the Pay with Google feature is the length of time it has been available and the number of retailers that are on board.
Apple says 'countless locations' now allow you to use Apple Pay for payments above the £30 limit. It can also be used on trains and buses when travelling around London.
Don’t be disheartened though, I predict Google will soon expand its network to include more retailers.
What’s the point?
Do we actually need it, I hear you ask? How hard is it to simply fill in your address?
It seems tech companies are always coming up with new ways to increase productivity and save you time. The way we shop has changed and mobile companies are bringing out new features to reflect that.
Earlier this month, a study by John Lewis found the number of purchases made on a smartphone had risen by 69% and they predict this number will continue to increase.
The more we shop online the more we have to think about the security risks that may be involved in this.
A redeeming quality of both the Pay with Google and the Apple Pay services is the added security.
When entering any data online you must be careful of any malware or viruses that could potentially capture your details. By using a mobile pay service, it bypasses the entering of any data and reduces the risk.
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