Reviewed in The Only APP's You'll Ever Need (Seriously)
Google Wallet has really come a long way, and while it comes baked in on some phones, some of us still have to download it the old fashioned way. If it says it's not compatible with your phone try side-loading it. Some carriers are lame about letting you have this APP on your phone (*cough* Verizon).
Android Pay is the simple and safe way to pay with your Android phone in stores and in mobile apps.
Setup is simple
Install Android Pay on any NFC-enabled Android device (KitKat 4.4+). Then add your credit and debit cards from any participating bank. You can view the full list here: https://goo.gl/inQlgf. Android Pay works with cards from many of the most popular US banks, including: American Express, Bank of America, Citi, Discover, Navy Federal Credit Union, PNC, Regions Bank, USAA, U.S. Bank and Wells Fargo - with Capital One coming soon.
Shop at your favorites
Android Pay works at over one million locations (and counting…) across the US and in your favorite Android apps: http://goo.gl/JU1AD1
Get security on the go
Your actual card number isn't shared with the merchant when you use Android Pay. Instead, a virtual account number is used so that your card details stay safe. After paying, you'll receive transaction details to help you keep track of your spending activity. And if your phone is ever lost or stolen, you can lock your device from anywhere using https://myaccount.google.com.
To best protect your info, Android Pay isn't supported on rooted devices. This is because Google can't verify that the Android security model is intact on a rooted device.
Earn rewards and save
You can use Android Pay to store gift cards, loyalty cards, and offers. When using credit and debit cards from participating banks with Android Pay, you'll earn the same points and rewards that you do when swiping those cards.
More questions? Learn more at https://support.google.com/androidpay