Funny thing is in America, digital transit cards and IDs are coming.I'm always going to carry my wallet anyways because transitcards, ID etc. so don't really see the point of finicking with my phone when paying. Not like it's one less thing to carry around, just handing over more of my info to another MegaCorp. Most, if not all, cards and terminals here have NFC so no need for inputting PIN under a certain amount and no hassling with terminals that have crappy chip-readers. I haven't used magstripes since over a decade and wouldn't today because it is easier to copy cards via magswipes AFAIK. Whenever I've seen people use Samsung or Apple Pay it has taken them longer than regular card NFC, or equally long at best. Don't really see the point.
Incorrect. Samsung Pay does embed a unique token on the swipe transaction that is more secure than a standard card swipe. I also don't believe they use your real card number.
I think (at least now) that Samsung Pay creates a unique card number because there is a different "last 4 digits" that you are supposed to show to the cashier if they ask for it(never had anyone ask).
We do have digital transit cards here but I rather use the NFC-card than download the shitty app for it. Never heard of digital ID's being a thing, how would that work? Open an app and you get a display of a regular ID? I've had that for student-cards and stuff but not for national identification with photo. Who issues ID's in the US? Is it state-level? Federal? Banks?
Yeah, we use LevelUp at work and I'm pleasantly surprised whenevr I go into a restaurant that supports it. I know Boloco, the burrito chain, supports LevelUp, as does Gregory's Coffee chain in New York City. I think I prefer the standard Google Pay / etc over that because it's just another account that I don't want to manage, but the perks are good. I've got $20 in credits right now because it's my bday this week and I hit some threshhold for rewards ($100 or something).I've been using an app called LevelUp for QR payments at some restaurants since 2011. The only downfall is that the business has to support LevelUp specifically – it's not available everywhere. I don't really know why it hasn't caught on more, but it's very convenient.
Thats just in general because of RFID scammers. They can run their leg beside you and rob you of your entire bank account if that limit wasn't in place.
I do understand it was placed for physical cards that support tap. How will that work on Apple pay? Apple pay is pretty much a chip and pin. It's even more secure than chip and pin, IMO.
Depends on the retailer and their systems, contactless limit in the UK is £30, but the retailer can choose to support unlimited as long as the transaction is authenticated with biometrics, there are plenty of retailers in the UK that have no limit in place when using Apple Pay.
I think because of the way its done it's not a simple just tap behind the scenes it does more then that. It makes you more of a target too because of it.