Today, for the first time, in a retail shop, I paid using my mobile phone. No wallet, no credit card – just me and my mobile. It gave me a warm and fuzzy feeling. I am such a nerd.
In case you haven’t heard, CommBank have recently introduced the ability to pay using a mobile phone (android or iPhone, and soon for Windows phones I think) at any checkout which has a PayPass terminal. PayPass terminals are those ones you can tap your credit card on instead of inserting it or swiping it.
Luckily for me, I was already a CommBank customer with an eligible account*.
It’s pretty easy to set up. Firstly I needed to upgrade to the latest version of the CommBank app to order the PayTag. This is a sticker which contains the smarts (NFC) which communicate with the PayPass terminal when you tap your phone against it. Mine took about a week to arrive.
The instructions were clear and easy to follow. You simply attach the sticker to the back of your phone and activate the sticker through the CommBank app.
I couldn’t wait to try it out.
Early this morning I popped into Priceline as I knew they had PayPass terminals.
First I switched the Tap & Pay function in my CommBank app on (I did this while queuing), then I simply tapped my phone (the back part of it where the sticker is) against the terminal. It worked a treat! No need to remove my phone cover. When I checked my account I could even see I had paid using PayTag.
Will I use it again? Yep, absolutely! Now I just need to get my loyalty cards into an app and lose the wallet altogether..
Update: Today I used it 3 more times. I tried to pay for coffee in the cafe at the bottom of my office building but it wouldn’t work, I didn’t remove my phone cover and retry though as there was a queue so I caved and used my credit card instead. I used it again later in Priceline – worked instantly. I used it a third time in Woolies and it struggled. I removed my phone cover (luckily it’s very easy to take on and off) and it worked.
So, 3 out of 4 ain’t bad! But maybe I should hang on to my wallet for a bit..
I’m going to monitor my success rate over the next few weeks and will post another update.
* I don’t know what constitutes an eligible transaction account and couldn’t see it defined on CommBank’s website – whatever it is I must have one 🙂