Android Pay Is Here

I installed it when it first came out, and I am enjoying using it. I have had a couple of instances where my Android Pay transaction was not approved. Apparently Google was not sure I was the rightful owner of the smartphone I was using even though I was properly signed on to my phone. I just wipped out my Google Wallet card to complete the transaction. I have not had that happen in a while, and maybe Google had to work out a couple of kinks. I have a local bank linked to my Android Pay account, and apparently that has not caused any problems. My bank told me that they will be one of the "approved" banks next year. Overall, I am happy with Android Pay, and I recommend that people use it.

Hope you let us know when all these bugs are worked out. I will wait until then.

While this sounds like a cool, easy way to pay for goods & services, it appears it will be much simpler to use once it is more universally accepted everywhere.

For the time being, I will stick with credit cards. It appears they offer more protection and they offer rewards. As long as the credit card rewards battles continue, it will be credit cards for me!

@Darl H: When you use Android Pay, you are using whatever you set up as your default payment method. Choose a credit card, and the protections are the same.

I have Android Pay and Google Wallet, and I love both apps. Very easy to use, and they do what I tell them to. I've had no problems.

Very frustrating... I used, and liked, wallet for a couple of years to pay with ccards until it stopped working a number of months ago.

imho, android pay is a disaster. If you look at the play store reviews, the ones left since pay was introduced are overwhelming negative... what they did is leave the wallet ratings left before pay and since wallet ratings were excellent the current pay app rating is very deceptively high.

The big negative for me is that using pay forces you to lock your phone. Since I rarely go out in the real world, for me it is a non starter. In addition, I spent the better part of an hour reactivating my cards and other configurations, but when I later turned off the device lock, the next time I used pay, all of that work was erased without notification.

To add insult to injury, pay kept reactivating itself after I disabled it, and then it would regularly crash with the "unfortunately..." messages. I think I finally drove the stake through it's heart by forcing stop and unchecking notifications in the apps settings.

Many, many problems posted in the reviews... and, per normal, none of them were addressed by the couple of updates that came in before I killed it.

I have never used Google Wallet and don't plan to use Android Pay either. I tried PayPal which was a nightmare with so many hidden and added service fees. I will stick to my bank and Trusteer Endpoint Protection along with using a PrePaid Credit card via my bank which I can load with just enough to pay for a transaction online. Advice I received from a hacker is; don't use wireless devices for financial transactions, use a hard wired computer/device. Anything transmitted over a wireless network is vulnerable. For many transactions, like charitable donations, I still use a Bank Money Order and a postage stamp. Anything transmitted over the Internet by any means is open to being intercepted by hackers and or the Cyber Cops/Government Spy Agencies. Nothing is totally private or secure once it is transmitted into Cyber Space.

I have a Dunkin Donuts app but sometimes I think that it is more trouble then it is worth. I have a credit card and a debit that work just fine, although the new chip seems to slow the whole pay process down. I think that, for the most part, I'll just stick to cash.