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Paying with your Phone

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  • db2016
    db2016 Posts: 343 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    quite hi tech kinda guy, but i dont use Gpay. (s10+ user).

    in fact i still prefer cash, i have only used my card (chip pin or contactless) about a dozen times last year!
    and im in the target age group where i seem to be in the minority not using these lol (30s).



    those that say fumbling with a card / wallet, there are many quick access wallets out there. (i am like a woman with handbags, when it comes to wallets lol). and how many times are you really front of queue? usually theres at least 1 person in front of you, so you have 2s to get a card ready surely?
  • Syman
    Syman Posts: 2,621 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    db2016 wrote: »
    quite hi tech kinda guy, but i dont use Gpay. (s10+ user).



    those that say fumbling with a card / wallet, there are many quick access wallets out there. (i am like a woman with handbags, when it comes to wallets lol). and how many times are you really front of queue? usually theres at least 1 person in front of you, so you have 2s to get a card ready surely?

    you'd think it was easy, but we have all been behind someone in a queue that seems surprised when they get too the front and then start looking for their payment.:rotfl:
    Never put off till tomorrow what you can do today!:mad:
    Cos if you do it today and like it...You can do it again tomorrow.. :p


    Bookworm's Thread 2019 reading Challenge total :- 1/60
  • ryan121
    ryan121 Posts: 209 Forumite
    Part of the Furniture 100 Posts
    I use google pay all the time as it's convenient but there are two other benefits.

    It's more secure as when you use it the retailer doesn't get your actual card details, they get a virtual account number. Also with the new security rules, with my bank at least, you have to enter your pin every 5 times you use contactless and that's not in one day, 5 times over any time period! So every so often your card will get declined and you have to put the card in and use the pin. This rule doesn't apply to google pay or apple pay.
  • kmb500
    kmb500 Posts: 656 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    Apple pay (or alternative) is great and it's a thousand times more secure than a card. Someone steals your card, they can use it. Someone steals your phone, they're going to need to cut off your thumb and steal that too, if they want to spend any money.

    I personally do not use it because I don't like having money on my person all the time, because i just spend more and sometimes find it difficult to resist spending money, if my card is on me. It's easy to leave a wallet at home, not so easy to leave my phone at home.
  • Eco_Miser
    Eco_Miser Posts: 4,848 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    kmb500 wrote: »
    sometimes find it difficult to resist spending money, if my card is on me. It's easy to leave a wallet at home, not so easy to leave my phone at home.
    Don't you have the same difficulty resisting spending when you have you virtual card, aka phone, on you?
    Eco Miser
    Saving money for well over half a century
  • born_again
    born_again Posts: 20,377 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    ryan121 wrote: »
    So every so often your card will get declined and you have to put the card in and use the pin. This rule doesn't apply to google pay or apple pay.

    YET....

    Do not worry it will come in as banks will be forced to decline after so many transactions.:rotfl:
    Life in the slow lane
  • JuicyJesus
    JuicyJesus Posts: 3,831 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    born_again wrote: »
    YET....

    Do not worry it will come in as banks will be forced to decline after so many transactions.:rotfl:

    Very unlikely. The reason they do the security checks every so often is because of the lack of cardholder verification if you're just waving a card. Apple and Google Pay require either a passcode, fingerprint recognition, face recognition or you physically wearing a trusted device that only unlocks with a passcode (e.g. Apple Watch). This is also why you can spend up to an unlimited amount with either (e.g. I once bought an Apple Watch with an Apple Watch.)
    urs sinserly,
    ~~joosy jeezus~~
  • Migster
    Migster Posts: 150 Forumite
    Part of the Furniture 100 Posts
    JuicyJesus wrote: »
    Very unlikely. The reason they do the security checks every so often is because of the lack of cardholder verification if you're just waving a card. Apple and Google Pay require either a passcode, fingerprint recognition, face recognition or you physically wearing a trusted device that only unlocks with a passcode (e.g. Apple Watch). This is also why you can spend up to an unlimited amount with either (e.g. I once bought an Apple Watch with an Apple Watch.)
    Google Psy doesn't require the phone to be unlocked if you are below the £30 contactless limit.
  • This thread has been very informative and reassuring. I've been wary of using banking apps, but card details into the iPhone wallet sounds good.
  • JuicyJesus
    JuicyJesus Posts: 3,831 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    This thread has been very informative and reassuring. I've been wary of using banking apps, but card details into the iPhone wallet sounds good.

    It's especially safe since when a card is added to Apple Pay, the original card details cannot be retrieved. The card number used for Apple Pay purchases is a unique one to that device and card combination, not the number on the front of the card. Google Pay works the same way.
    urs sinserly,
    ~~joosy jeezus~~
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