This week it became known that Tinkoff Bank plans to launch its own service of contactless payment Tinkoff Pay. It is logical that it will only work on Android, which means that will be competition only android-compatible payment services: Google Pay, Samsung Pay, Sberpay and others. I have always treated with a fairing fraction of skepticism to new products that went to this market, but the news about the launch of Tinkoff Pay I pleased me, and I most likely will use them. I tell why.
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I never especially liked Google Pay. Restriction on the number of transactions without connecting to the Internet, no map selection interface on the lock screen, the ability to make several payments without confirming biometrics - in general, there are enough flaws. Another thing is that replacing Google Pay was nothing.
Comparison Tinkoff Pay and Google Pay
Samsung Pay works only on Samsung smartphones, Huawei Pay does not support normal payment systems like Visa and MasterCard, and Sberpay allowed to pay for the purchases of only Sberbank's bank card, which I, like everything, I just keep just in case and usually do not use it.
On their background, Tinkoff Pay promises to become a good contender for replacing Google Pay. In any case, for me, because I use the cards of this bank, and I count not only for convenience, but also at the benefit.
Despite the fact that the technical details of the Tinkoff Pay work remain unknown, it is obvious that the developers will prefer to protect their service in accordance with industry standards. So, it will be possible to confirm payments and needed using biometrics without removing blocking from the smartphone.
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If the TINKOFF PAY will implement the technology emulation technology according to the HCE standard, it will mean that you can pay for purchases using the service it will be possible to connect to the Internet. Google Pay also allows you to pay without communication, but not more than 10 times in a row - then it needs to update the tokens base.
Tinkoff Bank knows how to attract customers to its new services, and therefore it is practically guaranteed to offer some privileges to Tinkoff Pay users. I hope for additional cachek or special discounts from a bank partner, which for some reason in Russia does not offer Samsung Pay, nor Google Pay.
Tinkoff Pay can be a real rescue for Huawei and Honor smartphones owners that were released during the US sanctions period. Despite the fact that my Honor View 20 supports Google services, it is possible that the search giant can be disabled at any time. Therefore, Tinkoff Pay will remain for me the only means of contactless payment, except for the Pay Wallet, which I somehow did not go.
How to replace Google Pay on Android
Honestly, recently, I have changed my mind radically regarding new contactless payment services. If a few months ago it seemed to me that there was no point in them, because there are already such giants on the market as Samsung Pay and Google Pay, now I think completely different. After all, if you figure it out, the competition has not yet done worse, and the abundance of the same type of products will almost certainly lead to the fact that their creators will want to stand out, offering users more and more favorable terms of service.
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Take the same Sberpay, which has been available to users from Russia for several months. Despite the fact that it allows you to pay for purchases only by Sberbank cards, it is fairly convenient and is very beautifully decorated. They are really nice to use, and I did it for two weeks. According to the result, I refused it only because the salary "plastic" is not the main one for me. But with Tinkoff Pay, I think my experience will be even more positive, forcing me to fix the new service and give up Google Pay.