Do you need internet for NFC payment: does it work without it?

Android Pay support without internet

Does Android Pay work without the Internet? The answer is ambiguous.

Many parameters depend on the communication device itself.

Clients themselves often confuse these contactless systems:

• Android Pay;
• Apple Pay;
• Samsung Pay.

Each application differs in its protocols for performing operations. In most cases, you can make payments using Android Pay while in flight mode. However, there are a number of exceptions here too.

Important! The program developers do not recommend performing settlement operations without a network for a longer period of time.

With a complete lack of communication

You can use the technology without a connection.

To do this, you need to follow these steps on your smartphone:

1. Go to the “ Settings ” section.
2. Select an item with contactless payments.
3. Select the method of conducting operations "without network».

The mode is activated automatically when, according to the terms of the tariff, the network is unavailable or the GSM module is completely disabled.

When the Internet may be needed

You can pay for goods without Internet service. As a result, actions will be performed using tokens. They are located on the SIM card. When the tokens are used up, the user will need to connect the gadget back to the signal. The specified parameter is carried out using a closed data transfer protocol. The method encrypts the streaming message on the cash register terminals and on the client’s gadget.

To do this you need to do the following:

1. Connect the desired tariff.
2. Turn off airplane mode.
3. Connect to public networks.

The operating system will send a signal to the server and upload the necessary information to the application.

Specifications

Technical specifications for using the software consist of the following parameters:

• GSM module;
• support for Android OS version 4 and younger;
• processor 1 GHz;
• memory from 100 MB.

To work, users will need to download the application from the Google Market. After installation, you need to link bank cards and select payment methods. To carry out transactions, the client's mobile number may be required. It is used to confirm incoming and outgoing transactions.

The number may not be used if the phone is equipped with a fingerprint scanner.

Now you know how long it takes to pay using the contactless method without synchronizing with Internet servers. The article also discusses the main points in using wireless technology with support for the NFS module, as well as the reasons for data transmission failure on the server. Android Pay won't launch

Nowadays, Internet access is everywhere. Do you need internet for Android Pay? Contactless payment methods for goods and services have become firmly established in the lives of modern people. Devices with an NFC chip are becoming more accessible. Paying with your smartphone is simple and secure.

Where is Apple Pay used in Russia?

Retail partners of Apple Pay in the Russian Federation today are the supermarket chains Auchan, Atak, Azbuka Vkusa, and Magnit. The issue of introducing the system in the Pyaterochka, Perekrestok, Karusel, and Lenta stores is being resolved.

It should also be available in electronics hypermarkets Eldorado, M.Video, re:Store, MediaMarkt, Starbucks coffee shops, the BP gas station chain, and TSUM. Read more in our article: Which stores does Apple Pay support?

In addition, Apple Pay is already used at Moscow metro stations (so far within the Central Ring).

The possibility of online payment via Apple Pay has been introduced into the mobile applications of some Russian companies, incl. S7 airlines, Aeroflot, Utkonos hypermarket, Ticketland web resource. This service is also available in applications for users planning trips - App In The Air, OneTwoTrip, Railway Tickets, Gett.

Conditions required for Android Pay to work properly

1. The smartphone must have a sufficient charge level. The NFC module built into a mobile device requires electricity, consuming battery power, unlike the NFC chip of a bank card, which can operate indefinitely without requiring an energy source.
2. Availability of original non-rooted Android firmware. The application will work, but payments will not be possible. This is Google's policy.

Offline functions

Does Android Pay work without the Internet?

Payments are possible .

Payment data is saved in tokens on the device, but their number is limited, and constant synchronization with Google Pay services . You can use the service for a limited time. After several settlement transactions, payments will no longer be available.

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Advantages of Android Pay over a plastic card

• Payment will only be made upon physical contact with the owner. Once the phone is stolen, the thief will not be able to perform any operation.
• The payment amount without entering a PIN code may exceed one 1000 rubles.
• No plastic carrier required.
• The attacker cannot see the card number and code numbers.
• There is no need to carry a bank card with you.

Disadvantages of the Google Pay service

• Inability to withdraw cash from an ATM. Technology that allows you to cash out account funds at ATMs of any bank is being developed. Sberbank announced the introduction of a cash dispensing system for contactless payment. Already at the beginning of 2022, a Wi-Fi icon should appear at all cash issuing points.
• The application can only function on a charged phone. If there is no power, the NFC module does not work.
• If there is no connection to the global network for a long time, payment functionality is limited.

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Why should you enable contactless payment?

At first glance it may seem that this is unnecessary. Why pay contactlessly with a smartphone if you can do it with a regular card? It doesn’t save a lot of time, you won’t get a discount for it...

Firstly, in my personal opinion it is more convenient. You can “copy” all your bank cards into your smartphone so that you can only carry one or two with you. Secondly, this is a “backup option” - for example, if you forgot your wallet at home and urgently need to pop into the store.

I’ll go into more detail about the pros and cons at the end of the article, but the main thing is that everyone should connect contactless payment from a smartphone . Even if you do not use this function, it will not cause harm. But payment via NFC can help out in a difficult situation.

How to cash out if you don't have a card

If you need money urgently and the card is not at hand, then there are ways out of this situation.

1. If you have a passport, you can contact the office of the bank that issued the card and withdraw money from the account at the cash desk.
2. Contact the owner of the payment terminal, make a payment as for a purchase, and take cash. Personal charm and a small compensation will come in handy.
3. Buy a liquid product - for example, gold jewelry - and take it to a pawnshop. If you need money urgently, then this method will do.
4. Go to Euroset, get a Kukuruza card and top it up using Android Pay. Money can be withdrawn from it at any ATM with a small commission.

Important! All operations in a pawnshop and when issuing bank cards require a passport.

There are no hopeless situations, but we can only hope that banks will not delay the process of switching to contactless ATM services so as not to stimulate the creativity of their depositors.

Conclusion

The demand for the NFC chip in modern smartphones for the successful implementation of contactless payment has revived another important question - is Internet access required at the time of the transaction? Over time, the service is gaining momentum despite the fact that in most cases it is not available in the budget segment of devices in the market. Next we will talk about whether it is possible to make a purchase without being connected to the network.

Google Pay without internet

Google Pay is an application developed based on the Android operating system, supported by version 4.4 and higher. Can be used correctly regardless of the pre-installed graphical shell on the device ( MIUI, Flyme and others ), provided that the latter is official.

Payment process using G-Pay

To successfully implement payments from a smartphone, you must have the Google Pay application pre-installed. In addition, you need to configure it and add bank card details for subsequent purchases. If there is only one card, you don’t need to do anything else with it, just unlock your smartphone, bring it to the terminal, and the purchase is completed. Otherwise, you will need to select a card for payment, if one of the ones added earlier is not selected by default.

How to install and remove Android Pay from your phone

A more detailed payment algorithm is as follows:

1. Install the Google Pay application on your device;
2. Add card details to the application;
3. Make sure that the terminal in the store has a typical NFC function icon, or any other one confirming support for contactless payment;
4. Unlock the device by making it active and bring it to the terminal at a distance of at least 10 centimeters, waiting for the smartphone to respond;
5. Receive a notification about a successful purchase on your device screen and collect your receipt.

Need for a network

As you can see from the previous paragraph, we definitely had a need to connect to the network when installing the application. In order to answer the question about its relevance directly during payment, it is necessary to understand the operating principle of the chip itself.

When processing NFC using the application, information about bank cards is entered into the chip itself. When paying, the data is also transmitted by the chip itself, without the intervention of an Internet connection, and it does this in such a way that the seller cannot see any information about the card, because it is transmitted in encrypted form in the format of an executive command.

Android Pay doesn't work when paying

Offline operation of the application

The operation of the application after each payment can be compared to the protection system in Google services - there, to log in using two-step authentication, you can use backup codes, which are generated automatically using computing software. Android Pay works in a similar way.

When the application is synchronized with the Internet, tokens are generated - a certain number of unique sets of characters required to be sent to the terminal as executive commands. Simply put, the smartphone transmits a unique code containing encrypted information about the bank card and the possibility of payment. When you make multiple purchases, the app needs to update these tokens - that's when you need to connect to the network to re-sync.

Nowadays, owners of mobile devices more often use a gadget to pay for goods or services through contactless terminals than a traditional bank card. For this, Near Field Communication technology is used - near field communication, abbreviated NFC. How does this system function, and do you need the Internet to work with it?

Nuances of technology

Firstly, you should not worry about the safety of your bank card’s personal data (its password) - this information is not transmitted to the terminal. Instead, it is sent a so-called dynamic security code. If the phone was stolen or accidentally lost, the Find My iPhone program will help block the contactless payment option, just like other options. Secondly, an alternative to NFC are the technologies built into the Apple Watch - you can also use them to make payments.

You can use the service not only to pay for goods in supermarkets or to transfer money through bank terminals. The prospects for its application are much wider. Here is just a partial list of them:

1. Payment for travel on public transport.
2. Mobile, unlimited trading around the world.
3. Reading and decoding information from electronic bulletin boards.
4. Transfer of funds within electronic payment systems.
5. An electronic key that can be used to open an apartment, a car, an office door, and in general any lock with a built-in NFC sensor.

Today Apple Pay works without the Internet, and tomorrow NFC will bring even more convenience. Although there is one fly in the ointment in this ointment - the potential possibility of transmitting viruses via NFC. However, experts are already working on this security hole.

What is NFC?

NFC is a contactless data transfer technology that allows you to exchange digital information between devices. The technology instantly connects to another device or payment terminal. Data transfer speeds are slow, so NFC was previously used to exchange text files and links. Now this technology is necessary for making contactless payments.

Using the NFC module, you can use your smartphone to pay for purchases in a supermarket or go through a turnstile in the metro or fitness room. In some stores, special NFC tags have begun to be installed on goods instead of barcodes. They allow the buyer to find out the necessary information about the purchase: price, expiration date, production date, etc.

Is there NFC on Android?

Today, smartphones costing more than 6-8 thousand rubles contain a chip with the “nearby field communication” function. But check the availability of this option with a consultant when purchasing. For example, in Samsung devices, information about NFC support is contained on the packaging sticker or the phone cover.

Check NFC through “Settings” → go to “Wireless & Networks” → “more”, NFC item.

How to use NFC technology?

First, make sure your smartphone has an NFC chip. To do this, download the NFC Check application from Google Play and launch it. If the chip is installed, synchronize it with an active bank card, after which you will be able to pay for purchases and services via phone. Detailed instructions for setting up NFC are available on our website.

To make a transaction, just unlock the device and bring it to the payment terminal or the sensor on the turnstile - the application will perform the operation automatically.

Payment via NFC - do you need internet?

Payment via NFC occurs using tokens, encrypted digital identifiers. Thanks to them, the technology does not transmit bank card details to the terminal when paying. Thus, a special code is created for each transaction.

You can make purchases without connecting to the network - this feature is activated manually in the program application. Also, payment without the Internet is activated automatically when the network is unavailable. However, the number of tokens available offline is limited. There is a possibility that they will run out, and then you will have to connect to the Internet again to make contactless payment.

With a complete lack of communication

Does NFS work without the Internet at all? If there is no connection at all, both on the terminal and on the phone, the money will not be debited. This applies not only to contactless payment. Even with a card using a magnetic tape, you cannot pay without an established connection with the bank. Even if the phone has Internet, but the terminal has lost connection with the bank. Data from the phone is transmitted through a magnetic field, and the terminal transmits the transaction via the Internet and in the latter case it is necessary.

Contactless payment by Sberbank card