Until earlier this year, I could make NFC payments with the app of my credit card company. AFAIK contactless payments on Android were never locked to Google Pay/Wallet. But I have no idea why there’s no competition in this space. I’d expect e.g. PayPal to have something, but if they do I never heard of it - and I did look once, briefly.
Comment on Japan forces Apple and Google to open their mobile platforms • The Register
Templa@beehaw.org 4 months ago
If this means that I might be able to use NFC payments because alternatives to Google Pay will exist, I am very happy. Hopefully this will also make possible to F-droid to provide auto updates.
NeatNit@discuss.tchncs.de 4 months ago
kevincox@lemmy.ml 4 months ago
Because to implement this you need to negotiate with individual credit card issuers. Basically how this works is that your phone is being issued a virtual card with the keys locked inside the phone’s HSM. Then it can be used to make NFC payments just like any physical card. So you need 1. contracts with many card providers, 2. card issuance processes with these providers 3. huge amounts of compliance bureaucracy. At the end of the day it isn’t really worth it unless you are a huge company and expect to have tons of users or see it as an essential feature of your phone OS.
NeatNit@discuss.tchncs.de 4 months ago
You mean the thing any credit card issuer does anyway?
kevincox@lemmy.ml 4 months ago
Most credit card issuers don’t issue credit cards to random apps by solo developers.
Templa@beehaw.org 4 months ago
It seems many banks/providers used to had this functionality and just stopped maintaining in favor of Google/Apple Pay.
Hopefully they decide to do it again.
Blackmist@feddit.uk 4 months ago
Why would they do that when Google and Apple already do all the work for them?
Stitch0815@discuss.tchncs.de 4 months ago
Paypal has a nfc feature
NeatNit@discuss.tchncs.de 4 months ago
For generic contactless payments at shops? Or some closed system that only works with other PayPal users?
Stitch0815@discuss.tchncs.de 4 months ago
For the most generic grocery shopping you can imagine
barsoap@lemm.ee 4 months ago
I’m confused why would you need a phone to pay via NFC. All you need is your card.
Templa@beehaw.org 4 months ago
I’m confused why you would assume that there isn’t any context where someone might need to store their cards on their phone instead of carrying a wallet. Have you considering asking why instead of assuming everyone is like you? Is amazing when you get to know other perspectives.
barsoap@lemm.ee 4 months ago
Last I checked making a statement stating that you’re confused about something counts, semantically, as a question. No question mark needed.
But, fine, if you don’t want to tell me you don’t have to. I’m able to contain my curiosity. Certainly can’t put my ID, driver’s license, cash, and a hair tie into my phone. Nor, for that matter, put my phone into an ATM.
KillerWhale@orcas.enjoying.yachts 4 months ago
I can store my government issued ID, a driver’s licence, store limited cash behind my phone cover. And do cardless withdrawal from ATM if I need more. I have not needed a hair tie but if I did I’d wrap it on my wrist. Have not carried a wallet in years.
Everyone’s circumstances are different.
princessnorah@lemmy.blahaj.zone 4 months ago
As of last month, I can now, in fact, store my driver’s license on my phone. Can’t wait to use it for nights out with friends, no risk of losing my purse and the app even hides your address unless you specifically allow it, so no skeevy bartenders can read my address when they “card” me :)
kevincox@lemmy.ml 4 months ago
- I can usually pull out my phone faster than taking a card out of my wallet.
- Phone-based cards typically have significantly higher limits than physical cards. (I can tap hundreds of dollars with my phone, only about $100 on my card.)
- The phone needs to be unlocked which is safer than the card which just needs to be tapped with no other authentication.
- One less thing to carry around.
BehindTheBarrier@programming.dev 4 months ago
I use phone every day at office so I don’t need to get the wallet out of my jacket when going to the canteen to buy lunch. It’s literally the reason I started using my phone to pay. Too many times I forgot my card…
AnonStoleMyPants@sopuli.xyz 4 months ago
Some countries have limits to nfc payments with a card. Finland has 50e but with a phone no limits (unless the bank limits).
Blackmist@feddit.uk 4 months ago
Much higher floor limit, and no need to enter your PIN every X transactions.
Duke_Nukem_1990@feddit.de 4 months ago
Huh…my F-Droid already does auto updates 🤔
Templa@beehaw.org 4 months ago
Yes I realized that, the one that doesn’t is Aurora I think
jarfil@beehaw.org 4 months ago
Unattended? Unrooted? What Android version?
I still have to confirm each install, wich is a bit tedious, and was looking around for a new phone.
Duke_Nukem_1990@feddit.de 4 months ago
Yes, yes and 14.
It is related to android version IIRC.
jarfil@beehaw.org 4 months ago
Thanks, I’ll keep that in mind.