Doesn't have any necessary settings needed to change payment security on the app itself. I'm trying to disable the ability to pay while my phone is locked, but there is no function for that available on the app, which you would assume is the most important ability in an app that manages your credit card. The setting that supposedly changes this cannot be found on my device for some unknown reason. My phone is fully updated and the Google forum for it says it should be there, but it is not.