Kako plaćati pametnim satom i koje banke to podržavaju

Beskontaktno plaćanje je totalno u modi i postoji mnogo razloga za to. Nema više petljanja s gotovinom, samo prinesite karticu, pametni telefon ili sat čitaču i posao je gotov. Plaćanje pametnim satom je posebno zgodno, zbog čega ćemo vas uputiti u to kako funkcionira i što nudi.

Skače izravno na ...

• Google Pay
• Apple Pay
• Samsung Pay
• Garmin Pay
• Fitbit Pay

Google Pay

Da biste mogli koristiti Google Pay na pametnom satu s Wear OS-om, prvo će vam trebati odgovarajući hardver – NFC čip. Još ga ne nude svi Android pametni satovi u 2019. - LG Watch W7, na primjer, može bez njega, kao i Mobvoi Ticwatch E2 i S2. Sat također mora imati najnoviju verziju Wear OS-a.

Plaćanje pametnim satom na blagajni funkcionira analogno korištenju pametnog telefona:kada imate spreman ukupni iznos, možete pokrenuti aplikaciju Google Pay na svom pametnom satu i staviti je na čitač (umjesto na telefon ili debitnu/kreditnu karticu). Kada se to od vas zatraži, odaberite opciju "kreditna kartica" bez obzira na vrstu kartice koju zapravo koristite.

NFC se koristi za usporedbu podataka i dovršetak procesa plaćanja. Ovisno o vašoj zemlji, može postojati "donji limit", što znači da će kupnje iznad određenog iznosa zahtijevati unos PIN-a ili potpis. U Kanadi, primjerice, većina financijskih institucija ograničava beskontaktna plaćanja na 100 USD.

Evo popisa najvećih banaka, kreditnih sindikata i tvrtki koje nude Google Pay u SAD-u:

• AMEX (sve kartice)
• Bank of America (većina kartica)
• Barclays US (sve kartice)
• BBVA Compass (potrošačke BBVA Compass Visa kreditne, debitne i unaprijed plaćene kartice)
• Capital One (US Consumer Visa Credit, US Consumer MC Credit and Debit)
• Chase (Chase Visa potrošačke kreditne, debitne i unaprijed plaćene kartice, Chase Visa poslovne debitne kartice)
• Otkrijte (Otkrijte potrošačke kreditne, PBoA debitne kartice)
• Green Dot (Green Dot Everyday Mastercard, SEIU Everyday Mastercard)
• HSBC (potrošačke kreditne i debitne kartice)
• USAA (Visa debitna i kreditna, Mastercard kreditna i American Express kreditna)
• Američka banka (debitne i kreditne Visa kartice; kreditne Mastercard kartice; potrošačke kartice, kartice malih poduzeća i korporativne kartice)
• Wells Fargo (potrošačka i poslovna debitna viza, potrošačka unaprijed plaćena viza, potrošačka kreditna viza i American Express, poslovna kreditna viza)

You can check out the full US list here, or the Canada list, UK list, the Australian one and finally the New Zealand list of banks that support Google Pay.

Apple Pay

For Apple fans there is only one choice when it comes to paying with a smartwatch:Apple Pay and an Apple Watch. The Apple system works with so-called tokens, which are considered particularly secure because the card data of the transaction is not stored on the iPhone, nor the Apple Watch, nor on the Apple servers for a longer period of time.

The processing of a payment is very simple:put the watch on the reader, wait a few seconds, enter your PIN if necessary and done! Once set up, Apple Pay works right across the product family and hardly ever causes problems in everyday life.

The list of banks that supports Apple Pay in the US is huge - you can check it out here, along with the list of Canadian banks. Readers from Australia and New Zealand can check if their banks work with Apple Pay here, while UK readers can follow this link.

Samsung Pay

Samsung fans can use the Korean company's own payment system, Samsung Pay, especially if they own a Galaxy Watch. The Tizen OS found on most Samsung wearables does not have a Google Pay application. In the US, that shouldn't be an issue since Samsung Pay is supported by a variety of banks, credit unions and companies. Here are some of them:

• Chase
• American Express
• Bank of America
• Wells Fargo
• CITI
• Discover
• Capital One
• US Bank
• USAA
• Barcleycard

You can check out the full US list here. Unfortunately, in the UK the list of banks which support Samsung Pay is a lot smaller. The same applies to Canada, where only these banks offer the Samsung service:

• CIBC (Canadian Imperial Bank of Commerce)
• RBC (Royal Bank of Canada)
• Scotiabank
• American Express
• ATB

Australia is doing better in that regard (click here for full list), while in New Zealand the only option for Samsung Pay users seems to be ANZ.

Garmin Pay

Garmin, known for its heart rate monitors and sports wearables, does not support the payment systems of Google, Apple or Samsung. It has instead introduced its own - Garmin Pay. It works just like the three big names in the industry, but only on a few Garmin smartwatches and not on smartphones. However, outside of the US, the number of banks that support it is limited. Here are some the US banks, which offer it:

• Bank of America (Visa and Mastercard)
• Capital One (Visa and Mastercard)
• Wells Fargo (Visa)
• U.S. Bank (Visa and Mastercard)
• Discover
• Chase (Visa)

You can view the full US list here, as well those for other countries by selecting your region and card type.

Fitbit Pay

In addition to Garmin, Fitbit also offers its own payment system for athletes. As with the others, it is simply called Pay and works on the Fitbit Ionic and Fitbit Versa. Fitbit's simple pedometers have to get by without it. In the US, as we saw with Garmin Pay, a variety of banks and credit unions support the payment method:

• Bank of America
• American Express
• Alliance Bank (Visa)
• Capital One (Credit)
• Chase Bank (Visa)
• Wells Fargo
• U.S. Bank

You can check the full list for all regions here.

Have you ever paid with a smartwatch or do you do it regularly? Javite nam u komentarima.