Tap to pay works perfectly fine on my plastic cards that don’t run out of battery or need to be unlocked before I tap them. I genuinely don’t see what the big deal is about having it work on a phone.
Exactly. A physical card is simply better in every single way. Imagine the stress when your phone inevitably dies, if you are out traveling and suddenly you have no access to money or communication. Screw that.
I use Graphene. There is some banks that do tap-to-pay independent of Google Pay, but not mine. There is one legit good thing about modern tap-to-pay - it cycles card numbers, making it harder for retailers to track you.
Some of those might be less prevalent depending on where you are. But yes, there’s a lot of things to keep in mind.
Also, the plastic card thing is neat, I did not know that.
I’m especially annoyed about how easy it is to traci Bluetooth devices. I seem to remember that newer devices can rotate macs, but all my headphones are too old for that. And I kinda don’t want to throw away good hardware.
For me it’s that 75%+ of my contactless payments trigger an “insert card and enter PIN” check, which defeats its purpose. Presumably because my bank has become super cautious or their fraud detection is managed by a clanker.
I never have a problem with the same transactions using my phone.
Honestly, I’d prefer to use my card, rather than gift transaction data to my phone manufacturer.
A stolen card can be used for tap to pay, with not all transactions requiring a PIN with a card. A stolen phone cannot if they don’t have your phone’s PIN or biometrics.
And most phone tap-to-pay apps will also randomize your card data in the transaction to prevent your information from being tracked or compromised in the event of a large-scale data breach, like what happened with Target in 2013 and hundreds of retailers since.
Tap to pay works perfectly fine on my plastic cards that don’t run out of battery or need to be unlocked before I tap them. I genuinely don’t see what the big deal is about having it work on a phone.
Exactly. A physical card is simply better in every single way. Imagine the stress when your phone inevitably dies, if you are out traveling and suddenly you have no access to money or communication. Screw that.
I use Graphene. There is some banks that do tap-to-pay independent of Google Pay, but not mine. There is one legit good thing about modern tap-to-pay - it cycles card numbers, making it harder for retailers to track you.
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Some of those might be less prevalent depending on where you are. But yes, there’s a lot of things to keep in mind.
Also, the plastic card thing is neat, I did not know that.
I’m especially annoyed about how easy it is to traci Bluetooth devices. I seem to remember that newer devices can rotate macs, but all my headphones are too old for that. And I kinda don’t want to throw away good hardware.
I didn’t know that. That’s a handy feature.
Oh God, it’s an edge case I’ll never run into!!!
Optimize the median, not this hog wash.
Haha, I hope the code you write isn’t running anything important.
Gotme
I personally agree, but (some) people stop carrying their wallets, when they can pay with their phones.
I do not always carry my wallet, but i have a credit card in a compartment in the back of my phone case. Works just as well as google pay for me.
For me it’s that 75%+ of my contactless payments trigger an “insert card and enter PIN” check, which defeats its purpose. Presumably because my bank has become super cautious or their fraud detection is managed by a clanker.
I never have a problem with the same transactions using my phone.
Honestly, I’d prefer to use my card, rather than gift transaction data to my phone manufacturer.
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Not in my case. Been happening for a year or more, and for as little as £3 (bus ride, etc).
If a phone is lost or stolen, at least that security of unlocking to tap-to-oay will prevent purchases from being made. A plastic card, not so much.
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It is admittedly more secure.
A stolen card can be used for tap to pay, with not all transactions requiring a PIN with a card. A stolen phone cannot if they don’t have your phone’s PIN or biometrics.
And most phone tap-to-pay apps will also randomize your card data in the transaction to prevent your information from being tracked or compromised in the event of a large-scale data breach, like what happened with Target in 2013 and hundreds of retailers since.
It’s easier.