I downloaded and installed this after seeing the article in Paul's Twitter Stream on my Flipboard.
To say installation was a nightmare is the biggest understatement in ages.
First you need to download the 'over-arching' EE Tap Wallet App from Play Store. Thereafter however, you then have to run this, to get it to download from EE's own servers the requisite Cash On Tap App.
To make any of this happen, you have to disable wifi on your device and use up a portion of your 4G data allowance, so that it can verify you have the necessary NFC Sim card installed. It then tells you that this download will commence within 2hrs, but with it being late last night for me, it meant I just had to leave my phone on overnight to take care of this. For my son's phone this evening, it just kept telling me there was no data connection.. All the while whilst being interupted from his Facebook and BlackBerry Notifications popping up, on the perfectly fine data connection the phone DID actually have!
Anyway, back to me... I woke this morning tom find it had finally downloaded, so I fired it up... I tried to create the necessary account it asks you to create, only to be told I already have one... Which stated to ring a bell from when I downloaded thin once before on a T-Mobile device only a to be told at the very end it wasn't supported...
So I instead then chose the sign in option... And was promptly told my credentials were incorrect. So I tried my alternatives I sometimes use, for my password and memorable date, only to get the same credentials error.
I therefore tried the final possibility for my credentials, only I now got a "server is experiencing a hiccup - try again later" error. This persisted for the whole morning until around 1pm (except there was no such server issue, as you will soon see).
Eventually, thinking my details must still be wrong, I clicked the "Forgot Details" button, expecting a password reset. Alas instead it then tells you to ring 150 for assistance.
So I did... Only to eventually be told that there was no server error. The problem was that after three wrong login attempts, the account gets locked. And this is the ridiculously moronic error message the coders thought to come up with for such an occurrence... "Server hiccup", rather than "account locked - please ring 150"
I kid you not. Anyway, they did a reset, and eventually (and I do mean eventually), I finally got into the app and got up and running.
The minimum user top amount is £20, so I had to add this in order to get the second free £5 credit from EE (the first gets added on registration itself), but I then had £30, ready to spend.
A trip from my home in Newcastle, down to Leeds later today (well yesterday, Saturday now as we are past midnight), and I tried it out at Burger King, whereby sure enough, a simple touch of my phone was all that was needed to pay for our meal - the phone itself coming up with a popup showing the amount deducted a second or two later.
All in all therefore, a very simple, clever way to pay for low value purchases, with the actual act of paying being good, easy, and simple.
It's just the processes needed to firstly install the app, that are a total and utter nightmare, and thus for the most patient of people only...
A few things to add... Firstly, you need to set Cash on Tap as your default NFC Payment method for this to work, but the app itself does warn you of this and guides you through turning it on. Secondly, NFC needs to actually be turned on in your phone settings, for this to work. Despite it using the EE Sim NFC chip and not the device battery one built into new devices, nevertheless the setting still needs to be turned on, so be mindful of any potential battery drain. Another point to note is that the app creates a virtual Plastic Card on your device, that can be toggled to show the long card number on the front, as well as the verification code on the rear strip. So you can use this to make payment for online goods too. Finally, the help notes state that payments can be made even if the device is switched off, as long as you still have some battery power left, and then the account will be updated later with any transactions made whilst powered off. The only time it won't work, is if your battery is completely dead. How true or not this all is I cannot yet say, but is pretty cool if it does prove to be true...