Android cell phone users are able to use their cell phones for processing and performing credit card transactions through two different services offered by Google, which makes for a convenient and quick way of making payments.


The first service that can be utilized by Android cell phone users is Android Pay, which is similar to Apple Pay. This allows users to tap and pay whenever they see the contactless symbol on a credit card reader or terminal, as well as letting the user check out in a quick and secure manner in various apps. The user can use Android Pay by first adding a credit card from a participating banks, such as Bank of America, Capital One, Chase, Citi, US Bank, and Wells Fargo.


Android Pay lets customers pay with their credit cards in a growing number of apps and stores that accept this method of processing purchases. Some examples of apps and stores which accept Android Pay are AirBnB, Best Buy, Bloomingdales, Chick-fil-A, Doordash, Dunkin Donuts, Etsy, Jamba Juice, KFC, Lyft, Macy’s, McDonalds, Panera, Postmates, Subaway, Trader Joe’s, Ticketmaster, Uber, and Walgreens.


Android Pay is able to manage processing purchases from multiple credit cards, on a user’s cell phone and it keeps a customer’s information safe and secure by generating a virtual account number rather than providing the credit card number when a purchase is being made.


Another monetary feature available on cell phones is Google Wallet. This is a money transferring service which can be used on computers, cell phones, or tablets. It is fast and free, and you can send or receive money through a Google email address or a linked phone number, so the other party does not need to have the app installed. Money can be automatically transferred to a user’s bank account, unlike many other services which require the user to manually cash out.


Google Wallet is also a great way of managing shared expenses, like between college roommates or housemates. If one person is responsible for paying the rent, they can use Google Wallet to collect their housemates’ share of the rent each month. It can also be used to split bills for things such as groceries, or dining out together. It is a great tool for college students, as there are no fees associated with the service and it is completely free to use.


Google has provided Android cell phone users with various tools and services in order to make payments to businesses or to friends and family as easy as pulling out their cell phone and clicking a button. The cell phone is able to contain information for processing transactions from the user’s credit cards, meaning that forgetting a wallet at home isn’t an issue any more. Both Google Wallet and Android Pay are free to install and to utilize, and Google Wallet is not limited to just Android users, it can be installed on other cell phones or used from a computer as well.

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