Upshot: Android users will have the numbers, but Apple users will have the better security - at least for now. According to Jan Dawson, chief analyst at Jackdaw Research, Google "just creates Android, and then OEMs and carriers have to decide which elements and features to support, which means there's lots of room for something to break down or the implementation in an individual device to be poor." It is known that the Android smartphone has to be unlocked, so users who enable passwords or other forms of locks will have that protection.Īnother possible disadvantage to Google's approach is that it doesn't control the entire stack - hardware, software, apps - the way Apple does. All rely on the Secure Element encrypted hardware chip that stores the financial credentials, the iPhone 6 models rely on their Touch ID thumbprint reader, and the Apple Watch relies on the Bluetooth pairing with and matching Apple IDs on the iPhone.Īndroid Pay will work on Android smartphones that don't have a fingerprint reader (most Android devices don't have one), although it's unclear what kind of authentication it'll support outside of that. Only the iPhone 6 and 6 Plus, as well as the Apple Watch when connected to an iPhone 5 or later smartphone, support Apple Pay in their hardware. On the other hand, Apple's "new devices only, please" approach forces a degree of additional security. That could be interpreted as a swipe at Apple, whose Apple Pay requires the latest iOS version (8) and an iPhone 6 or 6 Plus, which are the only devices that have the necessary NFC system. Still, Google is trumpeting that "7 out of 10" Android devices can use Android Pay, and new smartphones from AT&T, Verizon, and T-Mobile are set to have Android Pay preinstalled. The APIs needed for Android Pay were introduced as of Android 4.4, so anyone running a slightly older phone - such as the Samsung Galaxy Note II, stuck at 4.3 - is out of luck. What'll it take to run Android Pay on your phone? Three things: the Android Pay app, support for NFC, and a version of Android that's at least KitKat (4.4) or higher. Android Pay works for KitKat users and higher, but Apple Pay works only in iOS 8 on just a few devices Here are three of the most important differences and what they'll mean to the average phone-wielder. The two systems are remarkably alike, but even if the ways they diverge are subtle, those subtleties add up to a lot. Google is indeed releasing its own Android-based payments system that supersedes Google Wallet and goes toe-to-toe with Apple Pay. Word had it that Google was readying a clone of Apple Pay - right down to the name! - and as it turned out at Google I/O yesterday, the word was right.
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