Your bank is not compatible Google Pay or Apple Pay? Here is the solution

Once the application is installed, we are surprised by the start -up that can be equated with that of a neo -owner or an online bank. Once your account is chosen (I opted for the Curve X account), it is then necessary to provide use information as to justify your identity and give a delivery address to receive your card. The only problem of the current application: it is only available in English for the moment.

Your bank is not compatible with Google Pay or Apple Pay ? Lydia is the solution.

Sometimes, despite ourselves, we are not “in the spot”. And yet contactless payment by mobile should be accessible to all. Sometimes for health issues, but especially for daily practicality and security issues ! We explain how Lydia can help you.

• You are not alone
• Why is it payment with your mobile ?
• Lydia, to pay everywhere in contact without contact

You are not alone

It’s always a little frustrating to see others being able to do something and not we.

Typically, you are at the restaurant and when you pay the bill, your table neighbor comes out with his phone to settle with it as if nothing had happened, simply approaching his mobile from the payment terminal. No code to enter. In less time than it takes to say, the note is paid and the phone stored warm.

You want to try the experience too. You already know the services to do so: Apple Pay, Google Pay, Samsung Pay. Yes, but here it is … your bank is not yet compatible with these services. Unable to add your bank card. It must be said that it is still quite recent in France. Apple was the first to get started, in the summer of 2016. For the first time in France, it has become possible to pay for your purchases, anywhere, with your smartphone. Samsung Pay will follow in April 2018 and Google Pay in December of the same year.

So, it’s all good, but still too few bank cards can be added to these mobile payment platforms. Apple Pay is the most advanced with 90% of French banks available today, but for Samsung Pay and Google Pay, this is another story, as evidenced by this article detailing compatible banks.

The solution ? Use the Reference Mobile Payment Application: Lydia.��

Before you get into mobile payment, you probably have a few questions … that’s good, it’s a bit of our field !

Why is it payment with your mobile ?

Security

Your main concern and that’s normal, it’s: is it really sure to pay for your purchases with your phone ? Yes ! THE contactless payment with a phone is more secure that with a card in store. Two reasons for that.

• The first: each payment requires according to your device, facial recognition, a fingerprint, or a code.
• The second: at no time do you leave your card in the hands of a stranger who can note or memorize your card numbers, to use them later or resell them on the Internet. No more unpleasant surprises on your account statement.

In the event of theft or loss of your smartphone, the card will not be usable by someone else as soon as your phone is locked. And you can always delete your banking information remotely.

Instantaneity

After each payment made with a Lydia payment method, you receive a notification. Transaction history is updated instantly In the Lydia app. An expense seems suspicious to you ? Block your card with a simple gesture and unlock it so quickly if necessary. No need to contact the support.

The practicality

No need to worry about having your wallet on you. As soon as the merchant is equipped with a terminal accepting contactless (which is very common), you can pay everything with your smartphone yes, yes, everything. Because security being reinforced, there is No amount of amount With contactless mobile payment.

How we are doing once we are in the Lydia app to use contactless ?

Lydia, to pay everywhere in contact without contact

First, make sure you have a smartphone equipped with “NFC” contactless technology. This is the case for all somewhat recent smartphones. You must also have a verified profile on Lydia.

Then create a contactless Lydia card, compatible with Google Pay, Samsung Pay or Apple Pay, is child’s play. You just have to go to the last application tab, choose “contactless” then click on the blue button to create your card. The card is automatically added to Google Pay, Samsung Pay or Apple Pay, according to your phone. The configuration is very easy. In less than 2 minutes, it’s done.

To make an almost unlimited number of payments and have higher payment ceilings, it is advisable to take out the Premium subscription for € 2.99 / month.

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last articles

• Common account or joint account, which to choose ?
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• Get a free virtual bank card
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• Open a free online bank account

Your bank is not compatible Google Pay or Apple Pay ? Here is the solution

Nothing is more frustrating than wanting to get rid of your bank card for the benefit of your smartphone and find that its bank does not allow it. However, there are solutions to bypass the problem and one of them is called curve. We tried the service for a few weeks and here is what we think.

Finally, you have just built up a complete Google Wallet including your transport card, loyalty cards and even your gift cards from your favorite stores, but your bank card is missing. Yes, we know, there is nothing more frustrating than to see that the latter is not compatible. It must be said that the Google card approval system is still too widespread among banks, especially in France.

There are, however, some solutions to get around this problem to finally do without the eternal plastic card and one of them is called Curve.

Curve, what is ?

As revolut in its time, Curve is a fintech company founded in 2015 and based in the United Kingdom. The difference is that the company was not intended to become an online bank in its own right. Basically, this is a mobile application (and later a payment card) which aggregates several debit and credit cards in one, then offering a simple solution to group all its means of payment in one. In the same genre, we can quote competitors like Aumax, even if the latter is no longer available today.

It is not uncommon for an individual to have several bank cards, whether for their work or for all types of specific needs, often in different banking establishments. Some even have several bank cards to benefit from the generally generous welcome offers of online banks. This is where Curve intervenes, since it becomes complicated to have to take with you its share of debit or credit cards. The offer is now present in 31 countries, including Germany, France, Italy and Poland which are its biggest markets.

The best online banks

The cheapest bank

Up to 150 € offered For the opening of an account with the BRS150 code
The best online bank

Up to 180 € offered : € 80 for any 1st account opening + € 100 in case of banking mobility
The most modern bank

Up to € 230 offered + 100 € of vouchers offered

What is an account aggregator ?

Not to be confused with budget management tools such as Bankin, Budgea or Linxo, the aggregators of accounts will directly draw from banking APIs (necessarily open since 2018) in order to enter the banking information of a user and to integrate them their platforms. The idea is not to replace your bank, but to offer additional services such as budget management and optimization or to trigger bank transfers, which is the case here.

An ideal solution to take all your cards in one

As the example cited above, I had this problem of accumulation of accounts and it was not uncommon to waste time in cash during a payment by looking for the card I had to. I could have turned to Google Pay (or Samsung Pay via my Samsung smartphone), but my main bank, the SG in this case, is still not compatible.

Once the application is installed, we are surprised by the start -up that can be equated with that of a neo -owner or an online bank. Once your account is chosen (I opted for the Curve X account), it is then necessary to provide use information as to justify your identity and give a delivery address to receive your card. The only problem of the current application: it is only available in English for the moment.

Therefore, it is possible to link your regular bank account to your curve card and already start using it. I was surprised by the ease of the procedure and to see that it works with any bank in France. However, it should be noted that Curve accepts only Visa and Mastercard cards, Exit therefore the Maestro, American Express, Diners Club, JCB or Union Pay cards.

The curve offer revolves around four formulas ::

• Curve (OG): a free account with or without a card, no fees abroad (with a limit), possible withdrawals abroad for free up to 200 euros per month.
• Curve X: a 4.99 euros per month account with card, no costs and unlimited abroad with possible withdrawals up to 200 euros per month and free international travel insurance.
• Curve Black: a 9.99 euros per month account with card, no costs and unlimited abroad with possible withdrawals up to 400 euros per month and free international travel insurance.
• Curve Metal: a account at 14.99 euros per month with the card, no fees unlimited abroad, possible withdrawals abroad for free up to 600 euros per month, free international travel insurance. This card also gives access to privileges such as mobile phone insurance, access to airport fairs worldwide, insurance against specific collisions for rental cars.

The three cards work with Google Pay, Samsung Pay and Apple Pay. They also offer customer protection up to 100,000 euros.

Ultimate functionality: going back

Another surprise in the Galaxy of functionalities specific to Curve, the option ” Go back in time Or go back. This makes it possible to reassemble a payment within a maximum of 90 days (depending on the offer chosen) and to switch it to another account in the event of a dispute or problem. Another function: the mode ” anti embarrassment “Avoids payments refused in checkout, the system choosing an account with cash when another is not provided enough. It is also possible to define your upstream card priority to avoid this kind of inconvenience.

Other very practical options that we know of certain online banks are added to the whole, for example, the history in real time and the blocking of the card from the application. It should nevertheless be noted that the card will not be usable in all circumstances as it is a system with systematic authorization. Therefore, it can be penalizing during travel or in certain establishments that favor credit cards (rental, hotel, etc.)).

You can finally use Google Pay with its bank

This is undoubtedly the functionality that prompted me to take a curve account: it is finally possible to bypass the absence of Google Pay (or Apple Pay) at its regular bank. Concretely, the card running like a bridge, it can benefit from the payment platforms of Google or Apple without the latter being compatible.

And it works perfectly ! It is enough for me to configure my curve card on Google Pay, it was immediately accepted. I was able to make my payments with my smartphone or my connected connected watch compatible Google Pay without having to take a single card with me. Only downside, acceptance of payment can take longer than a card ” classic »Because of the slightly longer transaction process. Which can be a problem if the terminal is not connected: payment can be refused, because at the time of purchase no verification is made from the card balance. This can be a problem for petrol stations or tolls for example.

I also noticed that the history of real -time payments was a bit capricious and certain transactions did not appear directly via notifications, but only after a few minutes.

Apart from these little inconveniences, there is little to blame this system which definitely made me change my consumption habits.

The cashback as a bonus

This is one of the highly highlighted functions by curve and that can have a real impact according to the chosen offer.

Curve has developed its system of awards centered around trips, especially with Easyjet and Booking. Once these shops are configured, you receive your cashback within twenty days and it is paid on the Curve Cash card in a dedicated menu.

Cashback is accessible to all subscribers to curve black and metal formulas.

• Curve Black: up to three brands with 1 % of the amount of purchase
• Curve metal: up to six brands with 1 % of the amount of purchase.

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