According to a report from Ars Technica today, Google is continuing to work on getting mobile payments right and will be releasing a new set of APIs for developers to integrate into their apps going by the name Android Pay.
Rumored for a May unveiling at Google I/O 2015, Android Pay will not replace Google Wallet, but it will serve some of the same purposes once it's up and running. In Ars' words,
Android Pay will allow companies to add a mobile payments option to their app, to which users can upload credit card or debit card information, so that payments become single-tap transactions within the app. In addition, a company adopting the Android Pay API will be able to allow tap-to-pay transactions in brick-and-mortar stores. This function will rely on Google's Host Card Emulation (HCE), which makes it easier for third-party apps to take advantage of Android phones' Near Field Communications (NFC) chips.Megan GeussArs Technica
Right now Google doesn't have any specific partners for Android Pay lined up, but you can guarantee it's working on it. Once Android Pay is released, users and developers will no longer have to depend on Google Wallet if they don't want to, though Google Wallet will be compatible will all Android Pay applications.
Rumors of Android Pay coming shortly after Google's acquisition of Softcard's mobile payment technology is no coincidence. If Google is going to seriously compete against Apple and Samsung, who recently acquired LoopPay itself, it's going to need all the help it can get. Releasing a standardized set of open APIs is certainly a step in the right direction.
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