How to Use Your Android As a Credit Card

This minHour teaches you how to use your Android phone or tablet as a scannable credit or debit card. To do this, you will need to download and set up a free app called Android Pay, which allows you to store and use credit and debit card information on your Android. Android Pay is available for any Android phone or tablet running Android 4.4 KitKat or higher.

Downloading and Installing

Open your Android’s

Google Play Store.

Tap the multicolored triangle app icon to do so. You’ll typically find Google Play in the App Drawer.

  • If you already have Android Pay installed on your Android, skip ahead to adding a card.

Tap the search bar.

It’s at the top of the screen.

Type android pay into the search bar.

Doing so will bring up a list of matching apps in the results below the search bar.

Tap Android Pay.

This should be the top search result below the search bar; there will be a white-and-green Android mascot icon next to it. Tapping this option opens the Android Pay page.


It’s a green button in the middle of the page.

Tap ACCEPT when prompted.

This will cause Android Pay to begin downloading onto your Android phone or tablet. Once it finishes downloading, you can proceed with adding a card to it.

Adding a Card

Open Android Pay.

Tap when it appears in the Google Play store if you just downloaded Android Pay, or find the Android Pay app icon in your App Drawer and tap it.

Tap Add a credit or debit card.

This option is at the top of the Android Pay screen. Doing so will open a camera screen with a rectangular square in the middle of it.

  • If you already have a card in Android Pay, tap the in the bottom-right corner and select Add a Credit or Debit Card on the next screen to continue.

Place your card face-up on a flat surface.

This will ensure that the card scans into your Android correctly.

Line up your card in the Android Pay frame.

The card should be positioned in the rectangular frame on the camera screen.

  • Make sure that the entire card is in the frame.
  • You can also tap Add manually at the bottom of the screen to enter your card’s details (e.g., holder name, number, expiration date, security code) by hand.

Wait for your card to scan.

The scan should only take a second or so, though you may need to reposition the card in the Android Pay camera frame if it doesn’t scan within a few seconds.

Enter your Android’s PIN.

This is the number you use to unlock your Android. If you have a pattern unlock setup instead, you’ll use that.

  • If you don’t have a PIN or pattern on your Android, you will be prompted to set one up before proceeding.


It’s at the bottom of the screen.

Scroll down and tap ACCEPT.

This will accept the terms of use and contact your bank for authorization. If your bank approves your card for your Android, your credit or debit card is now set up in Android pay and ready to scan.

  • Depending on your bank and card, you may be sent an authorization code to enter before your card is successfully added.
  • You can tap YES, SET AS DEFAULT here to set this card as your default in-store payment option.

Making Payments

Make sure that your selected store supports tap-to-pay.

Not all card readers can receive card details from a smartphone or tablet, so look up your preferred store in order to ensure that it has Android Pay-supported card readers.

  • You can see a full list of supported US retailers on the Android Pay site:

Place your Android near the card reader.

Some card readers need you to touch your Android to the reader itself, while others only need the Android to be within a few inches of the reader.

  • Ask the clerk for help if you aren’t sure of how to use the card reader.
  • You don’t need to have Android Pay open in order to transmit your card details.

Unlock your Android if prompted.

If your purchase total is over 100 dollars, you will have to enter your Android’s PIN or unlock pattern in order to continue.

  • Some Androids may ask you to unlock regardless of the purchase total.

Wait for the card reader to confirm the payment.

This should only take a few seconds. Once the payment is complete, you will receive a record of the transaction in your Gmail inbox.


  • Once you add a card to Android Pay, you’ll see an Android Pay option in supported apps and online sites. You can tap this option to pay using Android Pay instead of having to enter your payment details manually.
  • Android Pay supports over 800 banks in the US.


  • If you have Android Pay enabled on your Android, never leave your unlocked phone or tablet unattended.

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