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.
Comment on Japan forces Apple and Google to open their mobile platforms • The Register
NeatNit@discuss.tchncs.de 3 months agoUntil 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.
Templa@beehaw.org 3 months ago
Blackmist@feddit.uk 3 months ago
Why would they do that when Google and Apple already do all the work for them?
Stitch0815@discuss.tchncs.de 3 months ago
Paypal has a nfc feature
NeatNit@discuss.tchncs.de 3 months ago
For generic contactless payments at shops? Or some closed system that only works with other PayPal users?
Stitch0815@discuss.tchncs.de 3 months ago
For the most generic grocery shopping you can imagine
NeatNit@discuss.tchncs.de 3 months ago
Alright, good to know.
kevincox@lemmy.ml 3 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 3 months ago
You mean the thing any credit card issuer does anyway?
kevincox@lemmy.ml 3 months ago
Most credit card issuers don’t issue credit cards to random apps by solo developers.