Come pagare con il tuo smartwatch e quali banche lo supportano

Il pagamento contactless è totalmente in voga e ci sono molte ragioni per questo. Basta armeggiare con i contanti, basta tenere la carta, lo smartphone o guardare il lettore e il lavoro è fatto. Pagare con uno smartwatch è particolarmente conveniente, motivo per cui ti guideremo attraverso come funziona e cosa offre.

Va direttamente a ...

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

Google Pay

Per poter utilizzare Google Pay su uno smartwatch con Wear OS, avrai prima bisogno dell'hardware appropriato:un chip NFC. Non tutti gli smartwatch Android lo offrono ancora nel 2019:LG Watch W7, ad esempio, ne fa a meno, così come Mobvoi Ticwatch E2 e S2. L'orologio deve avere anche l'ultima versione di Wear OS.

Pagare con uno smartwatch alla cassa funziona in modo analogo all'utilizzo di uno smartphone:quando hai il totale pronto puoi avviare l'app Google Pay sul tuo smartwatch e posizionarla sul lettore (al posto del telefono o della carta di debito/credito). Quando richiesto, seleziona l'opzione "carta di credito" indipendentemente dal tipo di carta che stai effettivamente utilizzando.

NFC viene utilizzato per confrontare i dati e completare il processo di pagamento. A seconda del tuo paese, potrebbe esserci un "limite minimo", il che significa che gli acquisti superiori a un determinato importo richiederanno l'inserimento del tuo PIN o di una firma. In Canada, ad esempio, la maggior parte degli istituti finanziari limita i pagamenti contactless a $ CA100.

Ecco un elenco delle maggiori banche, cooperative di credito e società che offrono Google Pay negli Stati Uniti:

• AMEX (tutte le carte)
• Bank of America (la maggior parte delle carte)
• Barclays US (tutte le carte)
• BBVA Compass (carte di credito, di debito e prepagate BBVA Compass Visa di consumo)
• Capital One (US Consumer Visa Credit, US Consumer MC Credit and Debit)
• Chase (carte di credito al consumo, di debito e prepagate Chase Visa, carte di debito aziendali Chase Visa)
• Discover (Discover Consumer Credit, PBoA Debit Cards)
• Green Dot (Green Dot Everyday Mastercard, SEIU Everyday Mastercard)
• HSBC (carte di credito e debito al consumo)
• USAA (Visa Debit and Credit, Mastercard Credit e American Express Credit)
• US Bank (carte Visa di debito e di credito; carte Mastercard di credito; carte consumer, small business e corporate)
• Wells Fargo (visto addebito per consumatori e aziende, visto prepagato per consumatori, visto per credito al consumo e American Express, visto per credito aziendale)

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.

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