Barclays has upgraded its Android app to allow UK customers to make contactless payments in stores via their handsets.
The bank has opted to provide the facility rather than support Google’s Android Pay service.
Both allow payments of up to £100 via compatible terminals, although sums over £30 require the use of a Pin code.
But Barclays says its app also allows customers to carry on spending if they lose one of their physical cards.
That is because if a card is cancelled, Barclays can immediately upload the details of its replacement to the app, as soon as it is issued.
By contrast, Android Pay requires a user to wait until a replacement card has been received by post so that they can scan or manually type in its details.
However, one analyst said that Android Pay had another factor in its favour: a growing number of apps allow people to use the tool as a way to make payments without having to type in card details.
This is also possible via Apple Pay, but not Barclays’ service.
“Swiping your phone in a store doesn’t often offer that much benefit to the user compared with just using a contactless card,” said Jack Kent from the IHS Technology consultancy.
“But what we think will be a big driver to adopting Android Pay or Apple Pay is the in-app purchases, in which people can have their shipping and billing information pre-loaded to help speed up transactions.
“That offers a very clear benefit to users that they can’t get via Barclays’ tool.”
Barclays supports Apple Pay rather than offering a similar proprietary service on iPhones because Apple does not allow third-party apps to make use of its iPhones’ near-field communication (NFC) chips.
Microsoft also launched a new version of its Wallet app this week that allows Windows 10-powered handsets to make contactless payments. However, it is currently limited to US-based phone owners.