Android Pay is now officially available in Canada

After years of waiting for Android Pay, Google’s mobile payment solution for its Android operating system, is finally available in Canada.

Google has revealed that the Android-based payment platform is compatible with a number credit cards — both MasterCard and Visa — from a variety of Canadian banks, including the following: BMO, CIBC, Banque Nationale, Scotiabank, Desjardins, President’s Choice Financial, ATB Financial and Canadian Tire Financial Services support Android Pay. Furthermore, support for American Express cards and Tangerine will be coming soon, says Google.

Two notable missing Canadian financial institutions at launch are TD and RBC.

When asked about TD and RBC’s absence from Android Pay’s launch partner list, Spencer Spinnell, Google’s director of emerging platforms, explained that the tech giant hopes to add more financial institutions to the platform in the future.

Android Pay Terminal

“I can’t talk to specific details regarding partnerships. What I can say is if you look at other markets, the way we’re rolling out in Canada mirrors the way we rolled out everywhere across the globe. These organizations typically have large queues of work they need to get done,” said Spinnell.

“We expect banks will come on board over the course of the next several quarters,” he continued.

Spinell says that launching Android Pay in Canada has always been in Google’s plan, especially considering the country’s forward thinking view on payments.

“Canada’s market we’ve been interested in since the beginning. There’s no specific reason [for the delay]. We think Canada is early. There’s a lot of technology that’s there. Every single market requires deep integration and broad adoption across the system. There was no particular slowdown,” said Spinell.

Android Pay

During an announcement presentation at Google’s head office in Toronto, the tech giant revealed a variety of interesting Canadian contactless and mobile payment related statistics. For example, one in three Canadian smartphone owners have already paid for a product via their smartphone, and Q4 2016 alone saw a 120 percent growth rate-year-over-year, according to Google’s statistics.

Furthermore, eight out of 10 Canadian retailers have terminals with NFC capabilities, 41 percent of Canadians believe that their smartphone is more critical to their daily live than their wallet and finally, Moneris predicts that 50 percent of Canada’s 3 billion transactions will be contactless by the end of 2017.

Payment card in-app payment partners include the following: Lululemon, Shopify, Uber, 1-800 Flowers, Atom, Fancy, Doordash, Hotel Tonight and Ritual.

In-store launch partners include Indigo, Freedom Mobile, Jean Coutu, Loblaws, McDonalds, Petro Canada, Pizza Pizza, Rexall Pharma Plus, Rogers, Sears, Telus, Rogers, Fido and Tim Hortons.

Android Pay

In contrast to Apple Pay, which takes approximately a 0.15 percent cut of every transaction according to estimates, Google doesn’t charge any fee to merchants.

“Google doesn’t charge transaction fees,” said Spinell.

“Payments is sort of a last mile. We look at payments not differently than we look at photos or messaging. It just needs to work. For us to keep Android as the most loved operating system, we use payments as a critical set of use cases that needs to surprise and delight consumers.”

In comparison, Apple Pay launched in Canada with support only for American Express cards back in November 2015, before expanding to additional cards and Canadian financial institutions in May 2016.

Steps for using Android Pay are relatively simple and comparable to Apple’s mobile payment platform. Users first wake up their device, then place it near a contactless terminal, and then the transaction is processed.

Android Pay has had 1.5 million new registrations per month on average in the U.S. alone. The mobile payment platform originally launched in the U.S. back in 2016 and has been gradually rolling out to 12 additional markets.

Android Pay

News leaked to MobileSyrup via internal documents sent by an anonymous source regarding Android Pay’s Canadian launch last week.

At Google’s I/O 2017 developer conference, Gerardo Capiel and Varouj Chitilian, to members of the company’s consumer payments team, confirmed that Android Pay would be launching in Brazil, Spain, Taiwan, Russia and Canada “in the coming months.”

Support for Interac debt cards is set to launch on Monday, June 5th, according to Google, though at launch only debit cards from BMO Financial Group, CIBC, Desjardins and Scotiabank will be supported.

“We don’t share specific projections of adoptions of these types of services,” said Spinnell when asked what Google’s expected adoption rate is for Android Pay in Canada.

American Express is set to come later this summer, according to Google. In terms of browser-based shopping, Spinell says that Google isn’t ruling out the possibility and that Google wants to bring seamless transactions to the company’s Chrome browser. The platform’s maximum payment limit is $100 for tap and go payments. For transactions over $100 users are required to unlock Android Pay. Google says that Android Pay’s maximum spend limit is set by your bank’s credit card limit.

Android Pay is available in Canada in the Google Play Store.

Comments

  • Anonymous

    Tim Horton’s is misspelled.

    • mxmgodin

      Your correction of “Tim Hortons” is also misspelled. The official name of the chain is with an “s”, no apostrophe.

    • Anonymous

      My bad, they had it as Tim Horton in the original version of the article 🙂

    • Igor Bonifacic

      Whatever the correct spelling, thank you for pointing it out so that we could fix it. 🙂

  • gommer strike

    The phone was unlocked when it was held over. Can you use Android Pay while the device is *locked*, similar to Apple Pay? You don’t have to unlock it first to use it, right?

    • Acrobat1991

      that’s what I’m hoping for as well….apparently the app doesn’t need to be opened but NFC still need to be activated (if you don’t keep this active). Just wondering though how it selects the card if you have more than 1. One card by default (no need to unlock cell/open app to work) and need to open app to chose another card?

    • Joseph

      Give me a little over an hour and I’ll try it at the Good Earth near my work.

    • You don’t have to unlock the phone.

      Android Pay allows three purchases without unlocking the phone. You’d have to unlock before you could make a fourth, but you probably are anyway.

      If you have multiple cards, you set one of them as the default. This is the card that’s used unless you open the app and select an alternate card to pay with.

    • gommer strike

      “Users first wake up their device, then place it near a contactless terminal, and then the transaction is processed.”

      Is the waking up step really necessary? With Apple Pay all that’s required is that you move the iPhone near the terminal, and the screen lights up with TouchID authentication to confirm the purchase. I would thought this would be the same with Android pay.

      Thoughts?

    • Mr Dog

      This is likely a blanket solution as not all phones have a Finger Print sensor.

      So they want to make it just as seemless as Apple Pay without to many security concerns.

      I think the real question is, if the phone for whatever reason wakes up in my pocket can someone swipe a transaction?

    • JD

      Yeh I’m not really liking this wake with no Authentication thing.

    • gommer strike

      Hmm. So if you have no fingerprint sensor, what do you do? type in your PIN to unlock the phone? That’s what I kinda wonder.

    • Mr Dog

      That I have no idea.

      But from the sounds of things. You just have to wake up the phone and tap if it’s within 3 tracactions and $30.

      Would be nice if Mobilesyrup did some more testing and let everyone know ????

    • thereasoner

      My understanding is that an “always on” setting is available so unlocking is not necessary. I’m thinking that I’d want to use my finger print/unlock though, seems more secure.

    • Good question. I did have to wake the device up first. I have no idea if that’s a choice on Google’s part of some limitation of the hardware/software that might be fixed in future.

      I’m just guessing now, but I think it might be a choice. Android Pay doesn’t require you to authenticate on every transaction (by unlocking your phone/scanning your fingerprint). If you combined that feature with the ability to have the phone automatically wake up when it’s within range of a payment terminal, maybe the less honest of the world could find a way to manipulate that?

    • gommer strike

      Interesting. If we are going along the discussion on the security aspect(say someone lifted your phone). Because Android Pay restricts you to 3 transactions before you’re required to unlock the phone, then at least it does try to mitigate the damage somewhat.

      With Apple Pay you don’t have to wake the device, but you do have to supply the fingerprint every time. That cuts off the chance of even a single rogue transaction from happening in the first place.

      So it’s a balancing act, convenience vs security which in this case is not too bad I guess. Waking up the device requires no more than a press of the power or home button. It makes sense because not every Android phone has a fingerprint sensor.

    • Igor Bonifacic

      As Jason says below, you can make up to three purchases without unlocking your phone. You can also set a default card.

    • It’s Me

      hmm. I’d prefer that they require authentication (not necessarily a phone unlock) for all purchases. Oh well, I guess you can always go through the steps of challenging fraudulent purchases.

    • JD

      Yes I find that odd that you don’t need to authenticate to make a purchase. I Prefer the Apple approach especially considering how fast their FP scanner is. But I guess this is for Android Phones without FP scanners.

    • It’s Me

      Likely you are right, it’s a concession for phones without a scanner. If that’s the case, it might have been better to either make it a toggle for users to require authentication or auto-detect whether a scanner exists and require authentication in that case.

  • Leif Shantz

    No TD? Very dissapointed…. Will switch to Soctiabank.

    • thereasoner

      Yes, strange indeed. I understand that the banks “typically have large queues of work they need to get done,” but TD Bank has long supported Android Pay in the States. You’d think that they’d have a leg up on the competition, not be behind.

    • JD

      They didn’t invest a crap ton of money in to Ugo down in the states.

    • JD

      I did along time ago. Their card offerings were so much better.

  • rickytenzer

    Tangerine was falsely reported by Google. They claimed that they are working on another solution on Twitter.

    • mxmgodin

      Support for Tangerine is listed as “Coming Soon” on the official Android Pay page. When did they post about it on Twitter? If it was before the official announcement of Android Pay, they probably weren’t allowed to confirm or deny incoming Android Pay support yet.

  • Many99

    Has anybody able to add Starbucks and Tim hortons loyalty cards

    • FlamesFan89

      I think you can add a Tim card as a “gift card”. I got mine in there, though I haven’t tried to use it yet.

    • Many99

      Both cards are digital only so adding the number manually didn’t create a bar code for it, so I used a different phone took a picture of the barcode and I was able to add Tim’s and Starbucks cards to androidpay with the original phone I wanted to use, hopefully it will work at the stores

    • It’s Me

      Did that work? That’s an awesome hack.

  • MBNA and TD credit cards don’t work with Android Pay right now. Disappointing.

    • digitaltrail

      MBNA doesn’t work with Apple Pay either… been waiting for a long time for that. Maybe they will come online with both services soon?

    • Zaptor99

      I asked MBNA on Twitter today and they said they are not considering android pay for now. Sucks for sure.

    • gommer strike

      “…we won’t close the door for future consideration of Android Pay.”

      Gotta love that TD statement. Future *consideration* of Android Pay I see. No ETA of course.

  • LarryD

    Well, that sucks, my cards are with RBC and AMEX. You wait all that time and you still can’t use the app…..

    • PΞTΞЯ™

      exact same boat.. Have RBC accounts and an AMEX card

  • Theonesalmon

    “Canada’s market we’ve been interested in since the beginning. There’s no specific reason [for the delay]. We think Canada is early. ”

    This guy…

  • Ali F.

    Visa Gold Royal Bank and Costco Master Card did not work. I tried PC Master Card it went through but never received the code with both verification methods, SMS and email!!!

    • mxmgodin

      RBC and Costco are not participating financial institutions. (RBC and TD are the only two of the Big Five not onboard yet).

    • George

      wow, RBC just deleted alot of tweets about not supporting Android Pay.

    • Kevin Sergeeff

      also with presidents choice, never received email or sms so I called in not expecting a resolution but the app sugested and sure enough after a transfer to account specialist she had already done some today and activated it on there en no code needed. Hopefully presidents choice debit was grouped into CIBC for the announcement or debit support

  • Phone_Addiction

    now all we need is samsung pay to come with most major banks on aboard

  • Peter

    BMO debit says supported on Google’s site, but when I try to add it, it fails saying it is unsupported. Sigh

    • George

      cause reading is hard…

    • gommer strike

      “…from a variety of Canadian banks, including the following: BMO”

      The article states BMO supports Android Pay…

    • George

      DEBIT, he said DEBIT!!! READ!!!

      The article says Interac isn’t enabled until Monday.

    • Carl Hall

      except many people only see the VISA debit, or MasterCard debit on their card……little do they forget that its only outside of Canada that these are used……inside Canada its Interac Debit still

  • João Moreira

    Hum sorry but, where is RBC support???

  • Pingback: TD and RBC may come to Android Pay in ‘the next several quarters’ – pintfy()

  • Fodder0f4

    PC Mastercard setup and worked first time. Nice.

    • Luc Lafreniere

      How long did it take to get a verification code? I tried and I’m stuck there. No code comes in.

    • Fodder0f4

      I had to phone in. But after that, away I went.

    • Luc Lafreniere

      Ah! So you couldn’t get a code either? Interesting, as I type this, I receive a code via SMS. I suspect I’m about to get like 5 different codes for each time I requested it. So maybe there’s just a large delay (like 20 min).

    • Fodder0f4

      They didn’t have my cell number on file for some odd reason, so I couldn’t get a text. LOL

    • Luc Lafreniere

      That would do it! lol

    • Tim

      I had to call in, they activated it on their end.

    • I tried the text message method for verification and it didn’t work but when I tried the email verification option, I got the verification code within 5 minutes, entered the code and it worked.

    • Luc Lafreniere

      Yeah, so I received codes, but for me, it took easily more than 20 min (didn’t actually time it) for each request. I received them staggered over an hour based on when I requested them. So if you do the text/email code, you have to be very patient. If you decide to remove the card and re-add it like I did, then the first code you receive is invalid and you have to wait for the second code to come in.

      Regardless, got it working now.

  • Luc Lafreniere

    Yep, just tried to add a card, seemed to go well (PC Mastercard).. but when I got to the verification code to be sent via phone or email (tried both), I never get a code. So I can’t move further until I get this. Either the system isn’t quite running yet or there’s a huge delay in sending codes.

    • FireStream

      takes a wile just call them, they will do it for you it will take them all of 30 sec

  • No RBC support? That sucks!

    • imjohnh

      RBC has their own NFC payment functionality baked into their banking app; they are loathe to share those near 100% profit margins on transaction fees w/ anybody if they don’t have to. Sure, you can’t use non-RBC cards with their app, but that’s kinda the point, ain’t it?

      Vote with your wallets, peeps.

    • RBC Wallet is not a long term solution. It’s as if every bank printed their own money. All the other banks joined together with a standard but RBC & TD decided to keep the working the old way.

      From what I have read there is no fees to the bank, store off customer. Apple charges but RBC joined with them.

    • thereasoner

      Android Pay doesn’t get any fee.

    • JD

      They don’t need fees. Using Android Pay will slowly wipe the likes of Aeroplan and AirMiles off the grid. Think about it. Google master of data mining now can easily mine your purchasing habits, in greater detail than any of those guys.

    • thereasoner

      They do have a “double encryption” based system in place but it’s anonymous so neither Google or partners can know who is purchasing what. It reminds me of the mobile payment token system used for keeping users card information private, it works in a similar manner.

    • JD

      Sure that’s what they say, and on the surface it looks sterile. But ask any researcher the inferred data collected and the trends make it pretty clear.

    • thereasoner

      They simply don’t require the user to be identified in this case in order to accomplish what they’re after.

      Personally, I’ve always been quite satisfied with the control I have over privacy via my Google dashboard/page. I can even control permissions given when signing up for a service and right down to those for specific apps.

    • Balls

      AirMiles is not worth saving

    • JD

      They deserve to burn. But they won’t because their parent company (Loyalty One) powers a lot of Store’s loyalty Program Eg PC Points, it’s just AirMiles but not.

    • Etienne Bourque

      I accumulate a non-negligible amount of Air Miles every week at the grocery store and I get $10 off for every 95 miles.

    • It’s Me

      You are correct, it’s a data gold mine for google. The best they can say is they can’t track it all back to you name but that is useless to them anyway. Ideally for google, they’d have some unique identifier that they control and that doesn’t require government or regulator approval, that can directly tie all of your cyber activity to a ton of real world activity. An ID that allows them to know now you saw an ad on your phone and then later went to a physical store and bought the very item they advertised to you. An ID they can link to all of your Home actions and activities, all of your Now queries and google searches, all of your page views for every site, all of your emails, all of your contacts, all of your physical and virtual purchases, all of your daily travel routes and all of your social interactions.

      No other company in the world can track with such capacity and fidelity. Not Facebook, not amazon, no one. And it just so happens, even the google fluffers acknowledge, that google invested years developing exactly such an identifier. It’s a real world perma-cookie.

      But they say they won’t tie it you your real name…well, that’s a relief.

    • thereasoner

      “An ID that allows them to know you saw…”
      Actually, they don’t know it’s​ “you”, in fact they don’t know who it is. That what anonymous means silly… seriously, look it up 🙂

      “But they say they won’t tie it to your real name…well, that’s a relief.”
      Correct, you are anonymous but not because “they won’t” tie anonymous information to individuals but because the system they created ensures that THEY CAN’T. Big difference but I’m not surprised Apple fluffers wouldn’t acknowledge it. Much like said Apple fluffers refuse to acknowledge a users Google dashboard/page that gives them full control over sharing things like ;
      “Home actions and activities, all of your Now queries and google searches, all of your page views for every site, all of your emails, all of your contacts, all of your physical and virtual purchases, all of your daily travel routes…”

      Your over the top drama is hilarious! and the way you use words to somehow make anonymous seem like it’s not, you spin like a ballerina son!, Lol. Not that there’s anything wrong with that. It is what Apple fluffers are trained to do, it’s at the core of the negative and manipulative propaganda Apple fluffers feel compelled to attack the competition with. It’s like they are fake news that contradicted itself, the sky is falling because you’re anonymous? Absolutely freaking hilarious!

    • It’s Me

      There you go with “anonymous identifier”. I love it that you don’t know what an oxymoron is.

      Unique Identification that’s anonymous.LOL

      Remember when some genius posted this, tying to defend the super-ID?

      Google says it anonymizes the data it uses to identify users in ad tracking by converting all personal information to a string of characters. Neither Google nor third-parties can connect that value to a real person. So, technically all an advertiser knows is that unique ID saw an ad online and then showed up in a store to buy something. The only difference now is that your unique ID will be popping up in real life.”

      So the ID, according to what you yourself pasted, links what you see online to what your doing in real life. Do you seriously not understand what you copied? You just read it and had no clue?

      It’s generated by piping in all of your personal info, but can’t be tracked back to your name so it’s anonymous? Really?

      Are you pretending? No one is really as thick as you are pretending to be. Do you work for Fox News? For the Trump team? Your denial-rationalization technique is amazing, though it does rely on an assumption no one is paying attention.

    • thereasoner

      Yes, it is anonomous just like a “unique identifier” like a payment token sent in place of your credit card information keeps your card information private.

      You Apple kids are really stretching on this one! Usually you manipulate better. Best go back to you bosses in Cupertino for instructions on a more affective approach because this one is beyond pathetic even by your low standards, just saying.

    • It’s Me

      I understand you aren’t an educated man, but don’t let that be an excuse to say dumb things. And stop the google fluffing, you’re going to gag.

      You seem to have a lot of difficulty with the concept of identity. Last time you were asked for your ID, do you think it was so they couldn’t identify you? WTF do you think an identifier does if not identify? Duh.

      That payment token represents your card and the transaction. And guess what it’s used for? To identify you card and the transaction to the bank so you can be changed…unless you’re dim enough to think using android pay made everything free LOL!

      Similarly, your google super ID, which you yourself admited is a representation of all of your personal information is used to identify your information.

    • thereasoner

      “It’s Me” is your identifier yet the keyboard warrior behind that account remains anonomous, yet you still argue otherwise. Hilarious indeed!

      “Similarly, your google super ID, which you yourself admited is a representation of all of your personal information is used to identify your information.”
      These are YOUR words. As far as I’m aware Google’s system to keep Android Pay details anonymous is for that service.

      When you attack people and put words in their mouth you’re admitting that you’ve lost the debate, as you should.

      We’re done here but make no mistake. Should you continue to tell half the story/half truths and I see it I will alleviate your intended victims of the con job with all the facts, especially those your arguments depend upon your refusal to acknowledge.

      Have a nice day 🙂

    • It’s Me

      Why did you use “it’s me” in your post? Because you wanted to address me. You don’t know my real name but you have access to an identifier to identify me…duh no identity is anonymous, that’s the definition of an identity. They best you can say about my name here and the google super ID is you can’t track it back to my real name. But they both still identify me (though it’s me isn’t unique enough to a super ID like the google life-cookie)

      These were words you pasted to try to convince people they weren’t being tracked:

      Google says it anonymizes the data it uses to identify users in ad tracking by converting all personal information to a string of characters.

      I assume you don’t know how a one way hash works. If you did we wouldn’t be having this conversation.

      Careful, your ignorance is showing again.

    • Brad Fortin

      Yeah, it’s anonymous… until it’s not. From the terms and conditions:

      In order for Google to provide Android Pay services, you permit Google to disclose information to apps for which you’ve set up Android Pay and to share your device, payment, location, and account info with your card’s issuer and payment network. Where necessary to process your transactions, you also permit Google to share your personal info with merchants, payment processors, and other third parties.

      All a merchant, payment processor, or third party needs to do to de-anonymize the transaction is to say your personal info is necessary to continue (just like flashlight apps that “need” access to your call history, location, etc to work). I’m sure there’s going to be a lot of merchants, payment processors, and third parties that “need” access to your personal info to complete the transaction.

      It goes on:

      In order for Google to provide and improve Android Pay services,
      you permit Google to collect transaction, account, and other personal info from third parties, including merchants and your card’s issuer.

      In other words, your personal info is what’s funding Android Pay.

      They’ve also been pretty explicit about the fact that they’ll be linking the ads shown to you by Google and the transactions made in the store, so that if you’re shown an ad for a product and you later buy that product they’ll collect that information and share it with advertisers so they can target more ads at you. I’m a fan of the idea but their implementation is far too invasive for my tastes.

      But hey, at least a portion of the transaction has the opportunity to be anonymous if all parties agree to keep it that way, right?

    • thereasoner

      Lmao! You really want to do this on both of your accounts, really?

      You’ve said nothing here nor provided any quotes that say Google is lying about making said information anonymous. As for the “where necessary” quote in terms of first person information sharing well that’s just obvious. You can’t send a text message unless the app has access to your contacts for example and you can’t pay for stuff on Android Pay unless access to your cards are granted etc. Anonymous information is used so Google can show it’s customers how affective ads are, basically whether anonomous ID number this saw an ad then later bought a product with Google Pay and that they can accomplish this with a system that prevents a person from being identified is brilliant, Google deserves credit for protecting privacy here!

      The system that Google created is both simple and smart in how it accomplished​ it’s​ goal while leaving user information anonymous. They simply don’t need to know who you are, they only seek to use a randomly generated ID that can not be attached to any real person. They or their partners have no idea who is which ID, it’s just a number that divulges absolutely nothing personal to either Google or partners/retailers and it’s smart because it stymies scaremongering haters like yourself.

      Look, I get that the thought of Google Pay dominating the mobile payment sphere the same way they dominate the mobile OS game scares Apple fluffers so you don’t want to convey the anonymous nature of the information used. Fear not, Apple will be fine and you’re just wasting your time with attempts at misplaced drama in the face of the facts, it just makes you look manipulative and dishonest when you purposely seek to con people with half truths and scare mongering!

    • Brad Fortin

      Both of my accounts? You used to think I had more than that. Have you decided that they’re not mine today but they will be tomorrow? If another person comes along and disagrees with you is that person suddenly also me on another account? That kind of behaviour isn’t typical of a sane person.

      I never said Google was lying about making data anonymous, I just showed you Google’s disclaimer which states that your “anonymous” information won’t always remain anonymous. Google defines “personal info” as: Name, email, phone number, date of birth, gender, etc. So while some transaction data might start out anonymous, if a merchant, payment processor, or third party asks nicely (because it’s “needed for the transaction”) they can de-anonymize the data and link it all back to you.

    • thereasoner

      “Both of my accounts? You used to think I had more than that. ”
      No I didn’t. When you feel the need to lie you’re admitting that you’ve lost the debate.

      “I never said Google was lying about making data anonymous, I just showed you Google’s disclaimer which states that your “anonymous” information won’t always remain anonymous.”
      Of course “where necessary” information is exchange. How else can the bank who issued your card process the transaction if they’re not provided that information at the other end of said transaction. The point is that users are anonymous, nobody knows which ID is yours, that necessary information is unencrypted at the end is obvious for both Google’s system and tokens used for mobile payments.

      “if a merchant, payment processor, or third party asks nicely (because it’s “needed for the transaction”) they can de-anonymize the data and link it all back to you.”

      No! asking nicely has nothing to do with it, (where does it say that?). Only “necessary information” is transferred and only because it’s needed to complete the transaction. There’s no reason to believe that any more information is transferred than if you used the physical card itself, in fact one could argue less information is shared through Android​Pay! Everything else is speculation from members of the Apple Gestapo.

    • Brad Fortin

      “Both of my accounts? You used to think I had more than that. ”

      No I didn’t. When you feel the need to lie you’re admitting that you’ve lost the debate.

      Strange you should mention that because many times over the last few months you’ve openly accused me and others of having multiple accounts. Your own words a few weeks ago: “I do believe that there are users who have multiple accounts, so what?” and “Perhaps you can hook me with one of your other disqus accounts”.

      You’re a worse liar than Trump. But thanks for admitting you’ve lost the debate.

    • thereasoner

      I wouldn’t​ be surprised if you ran more than 2 accounts and I’m not denying that I think others do the same, I’m just saying that I never accused you “of having more than that”. Accusations(accusing someone) and speculation( speculating if someone has) are two different things.

      Deflection to another subject is another sure sign​ that you’ve run out of arguments!…and to be clear, Yes, I am accusing you of changing the subject because you’re nonsensical arguments have failed.

    • JD

      Know it, own it and accept it. It’s happening. What I can’t stand is when People say but Google doesn’t do this or that. They are, just know that you’re giving it all away in exchange for some pretty cool services.

    • It’s Me

      Exactly.

    • Mawhayden

      Who is paying the fee, not the customer…….please

    • Carl Hall

      The customer…..since the merchant has to pay the providers, then the providers pay the banks (although most are owned by banks)

    • Mawhayden

      And you are saying this from a personal or professional view point, money transaction is a different beast bud. VISA, Mastercard, PayPal, Samsung Pay, Android Pay, Apple Pay electronic transaction are on the back end to the customer All is th same but the user experience. Don’t mix the two points. Do you go to a store and ask the Store, which card do you prefer to use. If the profit and traffic is high enough, the store or organization will adapt, because you want the customer Buisiness what ever the platform.

      Money has no colour or tag, what ever is the most convinient….LOL money and trade came way before cell phones.

    • Carl Hall

      google already publicly said when launching in the US, they weren’t planning on charging a fee…..there might be some sort of initial interconnect for the banks (to cover costs with initial integration, but nothing on a per transaction basis)

    • thereasoner

      The banks don’t have to share any of their fees with Android Pay as Google hasn’t sought anything, Apple Pay does get a small cut however from the banks however.

    • gommer strike

      True, but RBC has grudgingly allowed Apple Pay to work. You do have to do a one-time authentication of Apple Pay(when you add the card) through RBC Wallet but once that’s setup, Apple Pay works.

    • Bill___A

      But the article said Google doesn’t charge fees, so RBC wouldn’t be out any money going to Android Pay….

  • Uzair Abbas

    can mobilesyrup reach out to samsung to get their response? They added CIBC back in november but no other banks so far (unless it has changed?)

    • Waleeed Aly

      Alas, I believe many of them are in jail…or being held on remand.

    • KiwiBri

      Lol

  • JD

    All I gotta say is F Walmart for their lack of NFC Terminals.

    • That’s were Samsung Pay wins however it’s currently available only to those who have a Samsung Galaxy S6, S6 edge, S6 edge+, S7 or S7 edge, S8 / S8+ or any of the new Galaxy phones and an eligible CIBC credit card. I’ve been using Samsung Pay and love how I can use it at places like Walmart that don’t accept contactless payments.

    • KiwiBri

      Same here. I guess that’s the big difference between Samsung pay and Android pay

    • JD

      Or Walmart can just get with the times?

    • That probably won’t ever happen. Walmart has already made it very clear last year that they won’t be implementing support for contactless payment in their stores in Canada or the United States. That’s why they created the Current-C app in the United States.

    • JD

      That’s ok between that and their Visa fiasco I hope they lose a crap ton of business. It’s only karma for what they did to the Canadian landscape.

    • Kevin

      I’m more angry at Target myself. Devoured Zellers without stopping to figure out how to do business in Canada, then failed at it. The epic failure of Target Canada is the reason why we have hardly any choice in the discount department store category anymore. I didn’t start going to Walmart with any regularity until after Target crumbled.
      Target was yet another US business that thought it could just set up shop in another country and proceed with business as usual. That never works. If they’d been smart they would have run those Zellers stores as Zellers stores for two more years to learn the landscape and establish the relationships with suppliers, then rebranded the stores as Target.
      Beyond just being poor business, it’s arrogant to think other markets are the same as your own.

    • Mayoo

      Using that logic, a hybrid car would be considered better than an electric car.

    • Brad Fortin

      For many people and many situations it is.

    • It’s Me

      How does it work at Walmart? I get that it emulates a magstripe swipe, but most modern terminals reject magstripe attempts if your card has a chip and pin. Try taking your physical card and using the magstripe instead of chip and pin and it rejects it. So how does Samsung Pay get around that?

    • Samsung Pay has the ability to emulate a mag stripe swipe thanks to MST (Magnetic Secure Transmission). MST is what enables the phone to be able to trick the payment terminal into thinking that the credit card was swiped even though modern terminals don’t allow the magnetic swipe anymore therefore allowing the transaction to go through just as it would way back in the day when we used to swipe the magnetic strip and sign to make a purchase. With Samsung Pay though, all you need to do is authenticate with fingerprint and hold the phone over the mag stripe reader and just like that, the transaction is complete. It even works on legacy payment terminals that don’t support contactless payments. That’s how it’s able to work at Walmart. I’ve tried it at two different Walmarts and it worked both times. In one instance, the employees tried to convince me it wouldn’t work but when the transaction went through, they were speechless, surprised and amazed all at the same time.

    • Bill___A

      But you are sending the merchant the same information that a magnetic stripe would – which is not good.

    • Nope. When you register your credit card in Samsung Pay, it generates a digital card number and uses that in place of your actual card number. Therefore if there is a credit card hack, hackers won’t get your actual card number. Stores won’t see your actual card number either. Samsung Pay is also more secure than Android Pay due to the fact that it uses Samsung’s KNOX encryption in addition to the fingerprint to authenticate purchases.

    • It’s Me

      Yeah, I understand that it emulates a mag stripe swipe. And I’m clear this allows it to work on terminals without contactless payments.

      What I’m not clear on, is how does emulating a card swipe work when card swipes themselves are not allowed.

    • George

      Mag transactions are only rejected if card itself is a chip card. In this case, Samsung Pay emulates a mag only card.

    • It’s Me

      I guess that makes sense.

      But how does the reader know there is chip when you slide it through the mag reader? It’s just a mag reader.

      I thought the system rejected the mag read because the card is registered in the system as being chip and pin and that’s what caused the rejection, in which case a Samsung should also be.

    • George

      That information is stored in the card.

    • It’s Me

      Ahh, ok, that makes sense. So the mag stripe data on the card has some track that says “I have a chip” and the reader then rejects the swipe.

  • Zaptor99

    No capital one, no tangerine and no MBNA. Can’t use android pay at all 🙁

  • Beno

    Today, I paid 2 times using Android Pay with Visa Desjardins. At last!

  • Andrew Holt

    I knew today was the day Android Pay was launching in Canada, but I was about 80% sure I wouldn’t be able to use it, and I was right. Sucks to be a TD bank customer…they are so 1990’s.

    • Kent Ratke

      I agree it is to bad that TD isn’t on board. I don’t agree with the 1990’s thing. Their app and easyweb is pretty good

  • NeilX

    I have a store and tried using Android pay a few times today for the hell of it. Worked fast and perfectly everytime. Moved from TD to Scotia 6 months ago so I’m happy I did ????

  • seinfeldand24

    Capital One not supported….

    • Victor Creed

      No surprises there. They don’t support Apple Pay either

    • Juan Ramon

      Capital One has their own app called Capital One Wallet.

    • LifeWulf

      Makes sense. “What’s in your wallet?”

  • XY

    i used it today at NoFrills so yes it does work, although with CTFS card and not debit yet 🙁

  • Allyouranusarebelongtous

    Thanks TD Canada Trust….

    …for nothing. No Bueno

  • hebdo27

    finally…..jeeze…it’s 2017?!?!?!

    Get with it TD and RBC. I guess my TD visa will be lonely sitting in my drawer!!!!

  • Rick Day (wrcfan)

    BMO’s prepaid MC are not supported

    • Zee

      Try again after Monday . From Google/s site: “We are rolling out support to major debit, credit and prepaid cards”

  • Bob Loblaw

    and of course TD isn’t participating but instead pushing their own garbage turd of an app. F*ck Canadian banks.

  • TheShinraCorp .

    Attempted to try it yesterday. Got blocked at the setup part because they don’t like my unlocked bootloader. Which sucks since I require it in order to get Global Stable ROMs for the Xiaomi Mi Mix.

    • gommer strike

      I thought you would have known that 🙂 Not trying to give you a hard time, but it’s been known for quite some time that if you want to use Android Pay, then your phone cannot be rooted/unlocked bootloader.

      Maybe it’s time to relock that bootloader or flash the factory OEM’s ROM back on…naw you’re not gonna do that heheh.

    • TheShinraCorp .

      Ha no, too much of a hassle to lock it to use android pay and then unlock it to download ROM updates. I’ll just stick with NFC credit cards :p

    • Omar

      The struggle of being a custom ROM user haha. I feel you. Have you tried Magisk? I can’t test it out because it won’t accept my TD cards but it has a “hide” feature that let me get far enough into Android Pay to put in all my information. Doesn’t work with the TD app however, it can still tell I’m rooted+unlocked.

    • H English

      I’m running a custom ROM and can verify the magisks hide allows you to use android pay.

    • Omar

      Thanks. Now just need to wait for TD to get with the times.

  • Jim Thibault

    It works and it is pretty cool.
    Not sure if it is much faster that just pulling the card or and tapping.

    TD and Royal Bank will suffer.

    • AppleBerrySandwich

      I suspect they will be coming soon.

    • Zee

      Don’t suspect too much..the only reason TD and RBC are on Apple Pay is due to the fact that iPhones won’t allow other apps to use NFC, only their own payment system, So if you want to use mobile payments on an iPhone, you are forced to go with Apple Pay or nothing. That restriction doesn’t exist on Android, so RBC and TD have developed their own mobile payment system.

  • AppleBerrySandwich

    Loaded my Scotia GM Visa on yesterday – tried it out at McDonalds today. All good.

    Happy it’s finally here! It will be the standard for mobile payment.

  • Lion5

    I’ve been using it since yesterday afternoon. It is much faster than using Scotiabank’s app. No need to unlock the device, open the app, and click the payment button like the banking app. I just wake the phone and place near the terminal and bingo. Done.

  • Omar

    Question: would this mean Google would be able to track your purchases?

    • It’s Me

      Absolutely. Helpful quote that thereasoner found:

      Google says it anonymizes the data it uses to identify users in ad tracking by converting all personal information to a string of characters. Neither Google nor third-parties can connect that value to a real person. So, technically all an advertiser knows is that unique ID saw an ad online and then showed up in a store to buy something. The only difference now is that your unique ID will be popping up in real life.”

      It’s basically a real life perma-cookie that tracks everything about you. According to thereasoner google invested years trying to create this tracking ID.

      Apparently is anonymous or something because you can’t extract your real name from the ID. But your ID, which is your google-self, will be tracked everywhere.

    • Omar

      Appreciate the answer. All of this Google tracking is getting annoying…

  • Kevin

    I’m trying to track down any info on whether I still collect Scene points if I add my Scotia Scene debit. Haven’t found any info yet but still looking. Does anybody know?

    • Kevin

      Scene doesn’t even know:

      Anesa : Hi, my name is Anesa. How may I help you?
      Kevin: Hi, I just have a quick question. If I connect my scene debit card to Android Pay, (which only just launched in Canada this week) will I still collect scene points if I use it through android pay?
      Anesa: You will have to contact Scotiabank. Please call the number on the back of the card
      Kevin: OK thanks

    • Kevin

      lol I just copied and pasted the same question on the scotiabank site and it told me to “Ask a real question”.
      Guess I’ll have to actually phone them

    • Daniel Martin

      Should be able to collect points but I’m with Scotiabank as well so hopefully you can post when you find out the answer

    • mrideas

      Scene points are based on transactions you conduct with the card regardless if it’s Android Pay or Apple Pay 🙂

    • Kevin

      Yeah, I sort of figured that it would acknowledge account transactions as usual, just wasn’t sure if it would insist on me using that actual Scene card to get scene points. You never know when it comes to points programs.
      I’m hopeful but I still dont’ have an official answer or tested it.

  • LifeWulf

    I’m happy that Android Pay will support debit cards soon… a little disappointed though that Samsung Pay still doesn’t (and that they’re still limited to CIBC, though that’s who I’m with). Samsung Pay is simply more convenient since I can access it from my lockscreen, but I prefer paying with debit most of the time so looks like I’ll be moving over to Android Pay fully!

    • gremlin0007

      You can also use Android pay from lock screen

    • LifeWulf

      Ah, cheers, I’ve never used it before so didn’t know that. 🙂

      Might as well setup my credit card while I wait for Monday.

    • Anaron

      I’ve had my iPhone 7 Plus since November 2016 and I only recently learned that you can add your debit card to Apple Wallet. I’m happy that Android Pay will support debit cards as well. It’s very convenient.