I/O 2016: Android Pay coming to ATMs & mobile Chrome users
Widening the battleground with Apple Pay, Google on Wednesday announced that Android Pay will soon be usable at some ATMs, as well as by mobile Chrome users.
ATM support will initially be limited to Bank of America customers, though more partners may come onboard later, TechCrunch said. The feature will let people make a withdrawal from a machine using an Android phone instead of a debit card.
Apple Pay can already be used ATMs, but only in China, which may give Google a temporary advantage in its core American market. Apple has not announced any broader plans for ATM support, but could theoretically do so at WWDC 2016 in June.
Chrome will be getting Android Pay support via the cross-browser Payment Request API, which is currently being vetted by the World Wide Web Consortium (W3C). Once adopted the technology will let people use Android Pay on webpages, instead of just through apps and at retail. At the moment Booking.com and Shopify are testing the technology with users.
A March report suggested that Apple Pay is also coming to the Web. This might initially be limited to Safari on iPhones and iPads, but could come to Macs as well. Some form of launch is expected to happen before the holiday shopping season -- like ATM support, there's a chance the feature could be revealed at WWDC.
ATM support will initially be limited to Bank of America customers, though more partners may come onboard later, TechCrunch said. The feature will let people make a withdrawal from a machine using an Android phone instead of a debit card.
Apple Pay can already be used ATMs, but only in China, which may give Google a temporary advantage in its core American market. Apple has not announced any broader plans for ATM support, but could theoretically do so at WWDC 2016 in June.
Chrome will be getting Android Pay support via the cross-browser Payment Request API, which is currently being vetted by the World Wide Web Consortium (W3C). Once adopted the technology will let people use Android Pay on webpages, instead of just through apps and at retail. At the moment Booking.com and Shopify are testing the technology with users.
A March report suggested that Apple Pay is also coming to the Web. This might initially be limited to Safari on iPhones and iPads, but could come to Macs as well. Some form of launch is expected to happen before the holiday shopping season -- like ATM support, there's a chance the feature could be revealed at WWDC.
Comments
isnt to the whole point of [insert organization here] Pay to NOT NEED the stinking ATM?
At an ATM, I'd like to use at least my Wells Fargo app, which uses TouchID, to access my account and withdraw cash. This doesn't use ApplePay but does use the many of the same features of ApplePay to initiate and control the withdrawing of money. For those general use ATMs, I could see my Wallet capability being used to sense when I'm close to a compatible ATM, trigger a compatible app that asks for a TouchID finger, then automatically goes into the app to initiate the cash withdrawal.
I personally don't see a need for ApplePay at an ATM unless you're trying to use it as a cash advance from your credit card (not debit card), which usually costs about the same as credit card fees so you might end up being charged twice (credit card charge + cash advance fee).
edit: I should have checked the web before making my last statement. It seams Wells Fargo has a plan to operate their ATMs cardless, at least with (stupid) Android Pay. http://www.atmmarketplace.com/articles/wells-fargo-doubling-down-on-card-free-atm-access/ Of course there's no mention about anything from Apple, only a mention about phone wallets, which is how I could see it working with an iPhone. Stupid thing is Wells Fargo is headquartered in San Francisco, just 47 miles north of Apple. I would think they'd be willing to work with Apple on this but the article I read says otherwise (at least for now).
...and guess what? CC companies and banks share (sell?) your personal information with yet more outside parties like TransUnion, and data aggregators like Acxiom. Don't want to give 'em any info? USE CASH.
First, not sure ATM is a huge advantage here. I probably hit the ATM 3 or maybe 4 times a year.
Next, this feature announcement is all hype and no really value. Most banks over the last few years (Prior to NFC option being mass available) have updated their ATM machines with the fancy user interface and all new machines. Banks will need to make another investment in their systems to implement NFC, no different than merchants having to upgrade their equipment and look how long this is taking even with the new rules about merchant covering losses if they do not support chip and pin or NFC.