Android Pay to support PayPal cards and Visa Checkout, v1.13 APK teardown reveals
Android Pay has recently been updated to version
1.13, and while this didn’t add many new changes to the payment app’s interface
or otherwise, an APK teardown reveals more about the future capabilities of
Android Pay. The mobile payment app will (at some time in the future) allow
users to add their PayPal cards and the ability to support Visa Checkout.
Thanks to a deal previously established
between PayPal and Discover, places where Discover is normally accepted would
enable these terminals with PayPal support. A similar deal returned the favor
which allows PayPal access to Discover’s tokens, which are needed to accept
contactless payment services, i.e. Android Pay.
At the end of the day, what the latter means
is that Android Pay would start supporting PayPal (and/or PayPal cards) thanks
to Discover’s tokens which create virtual account numbers for transactions. The
code string found in the APK teardown reads: "A virtual Discover
account was used to make this purchase". It doesn’t specifically
mention ‘PayPal’, but this is implied.
Moving on to Visa Checkout, whose partnership
was announced back in October alongside Masterpass, it allows Visa card holders
to pay merchants without disclosing any credit card information. So basically
like PayPal for Visa cards. The corresponding string of text that refers to
Visa Checkout is the following: "This number was issued by %1$s. It’s
used when you make purchases with Visa Checkout in Android Pay.”
As more services and banks are added to
Android Pay and other various mobile payment services, we are slowly but surely
moving past the need to use our own physical credit cards to make payments. Now
it’s a matter of widely adopting new terminals to accept mobile payments.
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