all you need to know

In recent years, mobile payments have become more of a trend. More and more cell phones have NFC technology that allows us to use our mobile phone as a debit or credit card electronically communication. And now we can pay with the clock.

This technology does not replace the traditional payment card, but allows us to complete it by making payments even if we leave the card at home. Did you know that this new technology for settling for mobile phones is starting to become common in smart watches?

We tell you all the details you need to know about mobile payments per watch.

Clock payment is possible through a communication type called NFC, the dictionary of Near Field Communicationeither Near Field Communication in Spanish This is a connection that has been with us for years, even though there are still some mid-range models that have not yet installed it.

That connection is able to connect to payment devices in a close and secure way, and perform the tasks required to execute a payment correctly.

Clock payment, It is important that our watches have an NFC billing system. Unlike mobile payments, where through your mobile phone and your bank operations you can pay, these plans are closed to certain types and models. Generally, almost all watches with Wear OS or Samsung Galaxy are compatible with these systems. Garmin and Fitbit also have their own plans, but they are limited to a few devices.

With no bank applications and depending on the payment plans of major manufacturers, we are limited to affiliated banks, which is a deciding factor when choosing our watch or bank.

Clock payment: advantages and disadvantages

Most importantly, the clock never loses: It's probably the best place to take your credit or debit card. The chances of a clock loss are much lower than losing your wallet or losing your phone. But there is very little.
- However, if you lose the clock you can cancel the card as you would when you lost the card. That way you can access the same response plan.
Comfort: For security reasons you must have a PIN on the clock. This pin asks you the first time you put it on your wrist and it doesn't ask until you pull it out.
Self: You can pay with a clock even if you leave your cell phone at home.
- This feature is very useful, as it saves you from carrying your wallet and cellphone when, for example, you go out for training or at the gym. So, not only do you have payments in the center that are not difficult to lose, but reduce the circumstances where you can lose your wallet or cellphone.

And the potential disruption …

Limited to payment items: This is very important, especially if you want to bet on a special sports watch.
- As a personal anecdote, to start using the clock payments I had to open an Openbank account, one of the few banks besides commissions associated with all payment systems, an account I ended up using as a wallet.
Note the battery: Not all smart watches have great autonomy, especially those with Wear OS. Be careful to travel without a wallet dependent on the clock and take a click with no battery.
As a mobile phone, you are limited to payments communication: If you can't pay with these types of cards, you can't pay.

Once we know that our watch is ready for mobile payment, comes the next question. Can I pay with it anywhere? How do I know when I set up my mobile payment service?

Sometimes, the clerk or the waitress may already know what mobile payments are because they are the most recent, even if the store accepts these types of payments. There is a very easy way to know.

We're talking about payment communication, a type of card payment that also works because of NFC connectivity. If the institution has payment support Contacts, we can pay for our cell phones the same way.

If one of these logs appears, you can pay with a clock

From left to right: Contact Payments, Android Pay and Google Pay. If any of these appear, you can pay by the clock.

Knowing this, the following logo should appear on acceptable payment methods, indicating that payment center managers are adopting NFC. Similarly, if the store has stickers that indicate they accept Apple Pay, Android Pay or Google Pay, you can pay for your mobile phone as well.

When you make mobile payments, the terms and conditions are the same as we would have on a debit or credit card.

In most stores, supermarkets, bars, or some other form of establishment there is no minimum payment for a cellphone, but today there are still shops that do not accept the card unless the payment exceeds a minimum of 7-10 euros.

The common thing is that in supermarkets you have no kind of problem, while in a small space It is natural for them to introduce or have a sign.

Does your bank charge you for the kind of commission you must pay with the card? Yes, that depends on the clock charges.

Today, clock payments do not impose any additional charges on the card. Keep in mind that this technology only doubles your debit or credit card clock, but it's actually the same card.

Google Pay and watch with Wear OS

Google's mobile payment system is not only the standard payment plan for all Android phones, but it also works with watches with Wear OS, which are compatible with the same mobile cards.

Most of the Wear OS watches released in 2018 and 2019 are compatible with Google Pay. However, all clocks associated with this program include notice that they are compatible with this technology.

Banks are compatible with Wear OS

For affiliated banks, as of January 10, 2020, more than 30 banks are compatible with Google Pay, which is listed in our article that we update regularly. You can also check out the affiliate banks on Google's official website.

Bankinter
Bankinter Consumer Finance.
BBVA
Carrefour Pass
IN.
Created
American Express Spain.
Openbank
Post Office
N26
Sodexo
The answer
Bankia
Mediolanum Bank.
March bank.
Apostasy
Pichincha Bank.
Pibank
Boon
Bunq.
Cajasur
It's worth it
Liberbank
Unicaja
Fan
Ibercaja
Cecabank
Ontinyent
Home Box
Monese
Evo Bank.
Transfer

Google Pay in Spain: a complete and new list of affiliate banks

We tell you which banks, financial institutions and affiliate companies in Spain with Google Pay are on the permanent list.

Samsung Pay on watch: you don't need a Samsung phone

Samsung Pay is one of the well-placed pricing that Samsung has been able to offer on its devices. Not only is the system more widely used, but it also gives us points to make our purchases so we can exchange it for gifts (because using Samsung Pay is not expensive, it's a great value).

Having been exclusive to Samsung phones for years, many users think that in order to use Samsung Pay for viewing you need a Samsung phone. In fact, if you have a Samsung watch you can use Samsung Pay no matter what kind of phone you have. I use Samsung Pay on a clock that I connected to my Google Pixel 2 XL, for example.

Compatible clocks

Samsung Gear S3.
Samsung Gear Sport.
Samsung Galaxy Watch, Watch Active and Watch Active 2.

Banks are compatible with Samsung Pay

Fan
Bankia
Bankinter
Bank card
BBVA
Caxabank
Caixa Ontinyent.
Cajasur
Carrefour Financial Services.
Cecabank
Cetelem
Deutsche Bank
English court
Created
Ibercaja
It's a bankbank
It's worth it
Liberbank
Openbank
Sabadell
Santander
Unicaja Bank.
Wizink

The list is updated from January 10, 2020. You can find more at Samsung Pay's official website.

Garmin's payment

Over the years Garmin has established itself as a trusted brand of sports enthusiasts, offering handsome looking watches with great accuracy, precision and versatility to any sporting accessories. Many of his most recent watches include the Garmin Pay system.

Garmin Pay compatible watches

Phoenix series: Fenix 6, 6S / Pro / Sapphire 6X and 6X Solar, 5 Plus, 5S Plus and 5X Plus.
Garminura
Active series: Vivoactive 3, 3 Music, 4, 4S.
Vivomove series: Vivomove and Vivomove S.
Asset series: King Edition, Darth Vader, Captain Marvel and Captain America.
Forerunner Series: 945, 645, 645 Music.
D2 series: Delta, Delta S and Delta PX.
MARQ series: Driver, Aviator, Captain, Athlete, Commander, Adventurer.