Android Pay: Top 5 Questions for Canadian Retailers

May 31, 2017


Update: On February 20, 2018, Google replaced Android Pay and Google Wallet with a single payment service, Google Pay. Learn more about Google Pay here!

Android Pay – a mobile app designed to make contactless payments fast and easy – is now available North of the border. But, Canadian retailers may still have questions about whether their business is ready for it or why they want to accept another payment method.

For a quick overview of Android Pay and what your business needs to be ready to accept it, take a moment to read: Tap-to-Pay With Android Pay in Canada and Android Pay Readiness [Checklist]. To further your understanding of how Android Pay works, we have compiled five of the most frequent questions asked about the digital wallet.     

How can I accept Android Pay?

If your payment terminal accepts contactless cards, you can accept Android Pay the same way you would a tap card. Look for these symbols on your terminal to confirm acceptance:  




When a customer pays with Android Pay in-store, they will:

1. Wake up their phone.

2. Hold the back of the device near the contactless payment terminal.

3. The phone will beep or vibrate to show the transaction is complete.

Note: In some cases, the customer will be required to unlock their phone and tap again to complete the transaction.

When a customer chooses to make an Android Pay in-app payment:

They will simply press the following button




in the retail app to pay with Android Pay and the transaction is complete. To integrate this payment feature into your business’ mobile app, visit the Moneris Developer Portal to get Android Pay application program interface (APIs) and software development kits (SDKs).

Are there additional fees to supporting Android Pay?

No. There are no additional fees to accept Android Pay.

What payment cards brands can I accept with Android Pay?

Android Pay enables Android users with participating cards to make Interac® Debit, Visa®, Mastercard® and American Express® credit card purchases with their Android smartphone or tablet.

What are the benefits of accepting Android Pay?           

By accepting Android Pay in-store or in-app, businesses have another way to accept payments from customers that’s quick, easy and intuitive. Android Pay functions in the same way as a tap-to-pay card transaction, but simply uses any smartphone running Android 4.4 KitKat and above. This digital wallet uses cutting-edge payment technology, drives repeat customers, faster checkout times, and protects you from chargebacks. It’s also secure, the cardholder’s information is protected from fraudulent activity through tokenization and encryption.

How secure is Android Pay?

Android Pay uses a multi-layered security approach, by encoding the cardholder’s payment information. This way, the card number is never sent across the terminal during a transaction. Rather a token, or non-sensitive string of data, is sent making card cloning near impossible for fraudsters.

If an Android Pay user’s device is ever lost or stolen, they can disable Android Pay remotely using Android Device Manager.


Have more questions? Check out or for more information.   

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Android Pay™ Readiness [Checklist]
Android Pay™ Readiness [Checklist]

Take a moment to review our checklist: Android Pay Readiness.

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