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> There is no user purchase validation step! I just swipe my phone and transaction is done. I get this is the same as using a CC but in theory there is such a h

> There is no user purchase validation step! I just swipe my phone and transaction is done. I get this is the same as using a CC but in theory there is such a huge opportunity to improve the experience. How about popping up a thing where I confirm the purchase, even add a tip or sign for some purchases? WTF??? I disagree with you here. I want the payment to be as fast and painless as possible. A "tip" screen, a "sign" screen, etc. would all be very annoying. I suppose adding these optionally somehow could work though. On a technical note, it's not quite the same as swiping a CC. There's some authentication to start - you must authenticate on your phone (via fingerprint or pattern or whatever lock mechanism you have) before you can make a payment. In addition, a one-time token is sent instead of your actual CC number, so the retailer couldn't reuse your payment info. In other words, it's much more secure than "signing" ever was and you get some nice security benefits by using your phone as opposed to swiping a credit card.

eagsalazar2 9y ago
Good points. About validation step, how about a notification that counts down and auto accepts unless you cancel or something? Never thought about it before but having a guy in a random skeezy mini mart say "3.75" then I just tap and it is done without me every seeing if he ripped me off seems sketchy. And that is more sketchy than most CC machines because usually it actually does ask you to confirm the amount which google pay does not.
- Humphrey 9y ago
  Which is no different to the tap-and-go we have had for years. Just make sure you glance at the balance on the screen before tapping.
- annabellish 9y ago
  At least with my configuration (because I'm really not sure which parts of this are bank-driven, which are OS-driven, which are app-driven, et cetera - it's a bit of a mess) I get a notification telling me how much I paid and to where, which can be dismissed at some later point.
- cimnine 9y ago
  [1] is a nice summary about how contactless payment works under the hood. [1] https://media.ccc.de/v/34c3-8965-decoding_contactless_card_payments https://media.ccc.de/v/34c3-8965-decoding_contactless_card_p...
- abecedarius 9y ago
  Exactly. Buying with a card is like handing over your wallet for the cashier to fish out the correct amount; a new system using a phone should be taken as an opportunity to put you back in control. The only friction would be one tap to confirm. The tap could double as your action of choosing which card to pay with. (Confirming on the vendor's reader still requires you to trust their machine, not yours.)
- simooooo 9y ago
  Don't your tills have a screen on the NFC pad? All the UK ones do

eagsalazar2 9y ago

Good points. About validation step, how about a notification that counts down and auto accepts unless you cancel or something? Never thought about it before but having a guy in a random skeezy mini mart say "3.75" then I just tap and it is done without me every seeing if he ripped me off seems sketchy. And that is more sketchy than most CC machines because usually it actually does ask you to confirm the amount which google pay does not.

Humphrey 9y ago
Which is no different to the tap-and-go we have had for years. Just make sure you glance at the balance on the screen before tapping.
annabellish 9y ago
At least with my configuration (because I'm really not sure which parts of this are bank-driven, which are OS-driven, which are app-driven, et cetera - it's a bit of a mess) I get a notification telling me how much I paid and to where, which can be dismissed at some later point.
cimnine 9y ago
[1] is a nice summary about how contactless payment works under the hood. [1] https://media.ccc.de/v/34c3-8965-decoding_contactless_card_payments https://media.ccc.de/v/34c3-8965-decoding_contactless_card_p...
abecedarius 9y ago
Exactly. Buying with a card is like handing over your wallet for the cashier to fish out the correct amount; a new system using a phone should be taken as an opportunity to put you back in control. The only friction would be one tap to confirm. The tap could double as your action of choosing which card to pay with. (Confirming on the vendor's reader still requires you to trust their machine, not yours.)
simooooo 9y ago
Don't your tills have a screen on the NFC pad? All the UK ones do