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Google Pay gives you worse consumer rights than using your card with contactless. A contactless card purchase is processed as “cardholder not present”, the same as phone catalogue purchases always used to be done, and the same as online purchases. The seller assumes default responsibility in any dispute. When you make a purchase with your card pin, or when you make a purchase with Google Pay, both are considered secure and authorised by you, so that becomes the default position in a dispute.
If someone steals your card and uses it to make a bunch of contactless purchases, you’d have a much easier time getting them refunded than if the purchases were made with your phone.
How would they use my phone? It’s locked and requires fingerprint to unlock? Card requires nothing. Can lock down phone. Can lock card but need to contact bank.
Fingerprint is fairly easy to bypass, face unlock sometimes moreso. A PIN or password can be captured by just watching someone, and you’ll have far more opportunity to capture their phone PIN than you would their card PIN. If anything, you’re perhaps less likely to lose your card as it spends more time safe in your pocket.
The point is it can be done, and you’re in a worse position if/when it happens.
Sorry. Where are fingerprint readers easy to crack ? Maybe government agencies and high level crime syndicates. Not petty thief’s. I don’t use phone pin. I use fingerprint as discussed.
I don’t use card pin so that’s not an issue. The problem would be a contactless card. Which is the debate we are currently engaged in.
So no. I’ll stick with my phone using Google pay. I had my card skimmed with a card reader and my bank emptied. Funnily enough has never happened with my phone.
Fingerprint readers aren’t easier to crack, but they’re easy enough to spoof. That’s certainly getting harder - just like spoofing facial recognition is - but ultimately biometrics are heavily flawed as a security method. Primarily, it’s almost impossible for a person to change their biomentrics, meaning once they are compromised there is little if anything that can be done.
I would say that you shouldn’t use Google Pay. You should revert to using your card directly, particularly contactless card purchases. Not only will this give you better consumer rights in the event of any dispute, but also you won’t be giving even more detail to Google.
Even so, cash is king. You can always haggle a lower price if you’re paying in cash, particularly when you highlight the 1.5% that card providers (MasterCard and VISA) levy for all card transactions, on top of their statutory fee.
Oh I don’t disagree with biometrics. They are the ultimate in security. But if you lose access you are fucked.
They could be spoofed. But each year it’s harder and harder and as I said. Petty crime would weigh up the odds. Contactless card that you can use a few times before locked or need to spoof a fingerprint to get into a phone and then use contactless.
I know which one id choose. Also we need to keep the phone connected to the Google account. Increasing my ability to trace you and retrieve my phone. Card will ping location but it doesn’t say where your house is. I can remotely lock my Google phone and trace it. Can’t do that with card. I think phone is a Much riskier endeavor.
And I will be er revert to using card. As states above it’s a worse experience in all aspects. Easier to lose card, easier to be stolen and worse protection. Always have phone on me and can do a multitude of jobs. Card can do one thing.
That’s the pay off isn’t it. Google data vs bank data. It’s the same data yet It inconveniences me more. Same outcome.
Literally no one is haggling. That’s a ridiculous proposition. When was the last time you haggle for a beer. Money is cumbersome and completely unnecessary. Yes it’s great for illicit nefarious reasons. 99% of people have no need for that. Cash means wallets pockets and then I’m stuck with useless change.
Cash hadn’t been king for a while. Jesus during COVID-19 places wouldn’t even accept it. Contactless or I don’t shop there.
Card will ping location but it doesn’t say where your house is. I can remotely lock my Google phone and trace it. Can’t do that with card. I think phone is a Much riskier endeavor.
I mean, I’ve never used Google Pay, so I can’t really comment on the functionality. But it is very easy to block card.
My point is that when you block the card, you have the opportunity to object to any purchase that wasn’t authenticated by you. Any contactless card purchase could be challenged. Meanwhile, any purchase where you used your PIN, or your phone, leaves you no opportunity to challenge it.
Furthermore, perhaps the most common form of card fraud involves friends and family. Such a friend could conceivably gain access to your phone and the details needed to make a transaction. If that transaction involves using your phone (which many close family members might have access to) then you will have no recourse with the card company. If you have a bunch of suspicious transactions that used your card PIN, you will be expected to explain them, but if yoiu have a bunch of suspicious transactions made with contactless cards then the default position is that the business has to explain them.
It’s a fairly subtle difference, but it is very significant. You’re on the back foot when you casually use your phone, compared to casually using a card.
Literally no one is haggling. That’s a ridiculous proposition.
Not quite, but yeah, very few are. We’ve almost reverted to the point where terms and conditions are dictated to us, and we have the privelege of paying for it. That’s bullshit. We have the money, they want it, they should taylor their terms to suit us.
You should try apps. Be good UK try other side. Can always cancel after a trial period. It’s easier to block google pay than a card, but only by a fraction. Both can be completed in app.
That is true but it’s an antiquated system that requires updating. But I get ya.
My phone is password and fingerprint protected and I change the password regularly. No one would be attempting that. My Family members would never attempt something so brazen and my friends wouldn’t gain access. But again I can understand the point. It’s pretty out there. You could use the same argument for a card. If someone gets access to your card it has all the details available to you and doesn’t require password or fingerprint
Google Pay gives you worse consumer rights than using your card with contactless. A contactless card purchase is processed as “cardholder not present”, the same as phone catalogue purchases always used to be done, and the same as online purchases. The seller assumes default responsibility in any dispute. When you make a purchase with your card pin, or when you make a purchase with Google Pay, both are considered secure and authorised by you, so that becomes the default position in a dispute.
If someone steals your card and uses it to make a bunch of contactless purchases, you’d have a much easier time getting them refunded than if the purchases were made with your phone.
How would they use my phone? It’s locked and requires fingerprint to unlock? Card requires nothing. Can lock down phone. Can lock card but need to contact bank.
Fingerprint is fairly easy to bypass, face unlock sometimes moreso. A PIN or password can be captured by just watching someone, and you’ll have far more opportunity to capture their phone PIN than you would their card PIN. If anything, you’re perhaps less likely to lose your card as it spends more time safe in your pocket.
The point is it can be done, and you’re in a worse position if/when it happens.
Sorry. Where are fingerprint readers easy to crack ? Maybe government agencies and high level crime syndicates. Not petty thief’s. I don’t use phone pin. I use fingerprint as discussed.
I don’t use card pin so that’s not an issue. The problem would be a contactless card. Which is the debate we are currently engaged in.
So no. I’ll stick with my phone using Google pay. I had my card skimmed with a card reader and my bank emptied. Funnily enough has never happened with my phone.
Fingerprint readers aren’t easier to crack, but they’re easy enough to spoof. That’s certainly getting harder - just like spoofing facial recognition is - but ultimately biometrics are heavily flawed as a security method. Primarily, it’s almost impossible for a person to change their biomentrics, meaning once they are compromised there is little if anything that can be done.
I would say that you shouldn’t use Google Pay. You should revert to using your card directly, particularly contactless card purchases. Not only will this give you better consumer rights in the event of any dispute, but also you won’t be giving even more detail to Google.
Even so, cash is king. You can always haggle a lower price if you’re paying in cash, particularly when you highlight the 1.5% that card providers (MasterCard and VISA) levy for all card transactions, on top of their statutory fee.
Oh I don’t disagree with biometrics. They are the ultimate in security. But if you lose access you are fucked.
They could be spoofed. But each year it’s harder and harder and as I said. Petty crime would weigh up the odds. Contactless card that you can use a few times before locked or need to spoof a fingerprint to get into a phone and then use contactless.
I know which one id choose. Also we need to keep the phone connected to the Google account. Increasing my ability to trace you and retrieve my phone. Card will ping location but it doesn’t say where your house is. I can remotely lock my Google phone and trace it. Can’t do that with card. I think phone is a Much riskier endeavor.
And I will be er revert to using card. As states above it’s a worse experience in all aspects. Easier to lose card, easier to be stolen and worse protection. Always have phone on me and can do a multitude of jobs. Card can do one thing.
That’s the pay off isn’t it. Google data vs bank data. It’s the same data yet It inconveniences me more. Same outcome.
Literally no one is haggling. That’s a ridiculous proposition. When was the last time you haggle for a beer. Money is cumbersome and completely unnecessary. Yes it’s great for illicit nefarious reasons. 99% of people have no need for that. Cash means wallets pockets and then I’m stuck with useless change.
Cash hadn’t been king for a while. Jesus during COVID-19 places wouldn’t even accept it. Contactless or I don’t shop there.
I mean, I’ve never used Google Pay, so I can’t really comment on the functionality. But it is very easy to block card.
My point is that when you block the card, you have the opportunity to object to any purchase that wasn’t authenticated by you. Any contactless card purchase could be challenged. Meanwhile, any purchase where you used your PIN, or your phone, leaves you no opportunity to challenge it.
Furthermore, perhaps the most common form of card fraud involves friends and family. Such a friend could conceivably gain access to your phone and the details needed to make a transaction. If that transaction involves using your phone (which many close family members might have access to) then you will have no recourse with the card company. If you have a bunch of suspicious transactions that used your card PIN, you will be expected to explain them, but if yoiu have a bunch of suspicious transactions made with contactless cards then the default position is that the business has to explain them.
It’s a fairly subtle difference, but it is very significant. You’re on the back foot when you casually use your phone, compared to casually using a card.
Not quite, but yeah, very few are. We’ve almost reverted to the point where terms and conditions are dictated to us, and we have the privelege of paying for it. That’s bullshit. We have the money, they want it, they should taylor their terms to suit us.
You should try apps. Be good UK try other side. Can always cancel after a trial period. It’s easier to block google pay than a card, but only by a fraction. Both can be completed in app.
That is true but it’s an antiquated system that requires updating. But I get ya.
My phone is password and fingerprint protected and I change the password regularly. No one would be attempting that. My Family members would never attempt something so brazen and my friends wouldn’t gain access. But again I can understand the point. It’s pretty out there. You could use the same argument for a card. If someone gets access to your card it has all the details available to you and doesn’t require password or fingerprint
In dome ways yes but that’s the system we live