What is Android Pay™ & How Does it Work?

What is Android Pay™ & How Does it Work?Publication Type:
White Paper

Published / Updated:
April 26, 2017

It’s official — mobile payments have gone mainstream. Over the past few years, increased accessibility and awareness have led to a surge in adoption, with worldwide mobile payments transaction volumes expected to surpass $1 trillion in 2019 (Source: Statista).

This huge growth of the mobile payments market can be partly traced back to Google’s move to incorporate host card emulation (HCE) functionality into Android KitKat 4.4. HCE is a technology built into the device operating system which allows a mobile device to emulate a payment (or other service) card using only software, which means transaction data does not need to be managed on a physical Secure Element. This reduces the cost of deploying mobile payments, and consequently near field communication (NFC) technology has emerged as the method for making in-store mobile payments.

Google announced the launch of ‘Android Pay’ in May 2015, and with the global rollout accelerating and adoption growing, what do banks and service providers need to know about this innovative platform?


Rambus offers mobile payments software to load and manage payment cards on NFC smartphones. This includes host card emulation, tokenization and OEM Pay support.

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