5 ms·
What are North American people doing for replacing contactless payment? Last time I checked, the solution was to use Curve but it only works for Europe.
by lifeisgood99 4mo ago
What are North American people doing for replacing contactless payment? Last time I checked, the solution was to use Curve but it only works for Europe.
- OsrsNeedsf2P 4mo agoPutting my credit card in my phone case
- carlmr 4mo agoGarmin pay if you're ok with Garmin is one possibility.
- wolvoleo 4mo agoThey have an app for Android that can do NFC? I thought it was only for their watches. Thanks!
- aaravchen 3mo agoIt is just for thier wearables.
- lucb1e 4mo agoIt's even available in my country! Never heard of it, would have assumed it's not being sold here. Let's see what that costs when I click the "shop now" button that's front and center > Attention required! > Sorry, you have been blocked > The action you just performed triggered the security solution. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Thanks cloudflare *handshake* garmin. I suppose I'll stay with chip and pin for now
- mendelmaleh 4mo agoThey don't support amex or capital one, the two I use the most...
- mrbluecoat 4mo agoI don't. GrapheneOS is worth the effort of pulling a card out of my wallet.
- hparadiz 4mo agoIt's infuriating that they won't do this for non Google Android. It's in the best interest of both the bank and the card owner. Credential theft risk goes down to basically zero when backed by a fingerprint authenticated virtual card.
- jojobas 4mo agoBanks don't want the headache of supporting multiple weird phone OSes and it's understandable. As long as they don't require running an apple/google-certified device and OS I don't care.
- _carbyau_ 4mo ago> Banks don't want the headache of supporting multiple weird phone OSes and it's understandable. Commercially, this makes sense. I am surprised that most nations of the whole world are fine with every citizen relying on one of two american companies for their lifestyle interactions though. I would have thought more nations would legislate their banks must support other options for sheer sovereign resilience.
- hparadiz 4mo ago> Commercially, this makes sense. Does it though? The people in this thread are like "just use a card". Well I've done that for years and had my card skimmed, lost, and stolen over the years. The cost wasn't trivial either. The credit card company knocked it off my balance but also lost on sales when I didn't have my card while they issued me a new one. It cost the credit card company actual money in both lost sales and in dealing with the fraudulent transactions. Now if I was allowed to use my rooted Android phone during those years? It would have been locked down tighter than the vast majority of Windows boxes. People forget that one of the value-adds of credit cards in the first place is that suddenly you didn't have to walk around with a big wad of cash. Credit cards gave you that extra level of security. Even if someone stole it, it's useless to them as soon as you make a phone call to the CC company. We can verify a transaction with a yubikey-like secret store on your device that never shares the private key with the operating system and which generates a virtual credit card on the fly. That's literally how Apple Pay and Google Pay already work. So whether a device is rooted or whatever literally doesn't matter.
- jcul 4mo agoI'm in Europe, but I had accepted that I had to do without. I hadn't heard of curve, going to check that out.
- 400thecat 4mo agothe Play store reviews for Curve are attrocious, especially the most recent ones. Looks like Curve is absolutely unusable, for many reasons
- gvurrdon 4mo agoI notice that their user identity verification involves "Entrust": https://help.curve.com/en_gb/your-curve-account-verification-rJqJVYKvK https://help.curve.com/en_gb/your-curve-account-verification... https://www.entrust.com/products/identity-verification?edc_redirect=Onfido-Redirect https://www.entrust.com/products/identity-verification?edc_r... As the second URL suggests, Entrust used to be called Onfido. https://uk.trustpilot.com/review/onfido.com https://uk.trustpilot.com/review/onfido.com Oh dear...
- kQq9oHeAz6wLLS 4mo agoI have these cards I keep in my (RFID-blocking) wallet, one for each credit account. Then I just pull them out and tap to pay. It's super convenient - no app required!
- Cider9986 4mo agoWhat does RFID-blocking wallet do?
- mcsniff 4mo ago[flagged]
- Cider9986 4mo agoThe person mentioned it like it's a feature for them, but I haven't heard of it being anything other than a marketing gimmick, so I was curious for their perspective.
- okanat 4mo agoIt just has a Faraday cage and blocks radio signals. That's it.
- dang 4mo agoCan you please not post aggressively like this? It's against the site guidelines because it destroys what HN is supposed to be for. If you wouldn't mind reviewing https://news.ycombinator.com/newsguidelines.html https://news.ycombinator.com/newsguidelines.html and taking the intended spirit of the site more to heart, we'd be grateful.
- thrownthatway 4mo ago[dead]
- ArmadilloGang 4mo ago
- drnick1 4mo agoThere is no replacement. Strap a credit card to the back of your phone or pay cash.
- fc417fc802 4mo agoUse a solvent to dissolve the plastic from the card then epoxy the extracted antenna and chip innards to the back of your phone case. Problem solved. (I'm only 50% joking, you can actually do this but maybe epoxy isn't the best option.)
- mendelmaleh 4mo agoI'd like to do this, but epoxy it to a dress watch
- microtonal 4mo agoSomewhat similar, Polar sells a band with an NFC payment chip in it (no experience, just saw it the other day): https://support.polar.com/en/payment-wristband https://support.polar.com/en/payment-wristband
- llarsson 4mo agoOther solutions that use the same underlying technology: https://fidesmo.com/consumer/wearables/ https://fidesmo.com/consumer/wearables/
- Saris 4mo agoCash for most things, and just use a card like normal otherwise. I don't really see the appeal of contactless payment, pulling a card out really doesn't take much time.
- preisschild 4mo agoJust having to take your phone with you is quite comfortable. Your phone is probably the pocket-sized item you are unlikeliest to lose.
- Saris 4mo agoTrue, but I also need my license to ride my motorcycle or drive a car, plus cash needs to go somewhere.
- preisschild 4mo agoThe perks of living in a city with good public transport + my country already has a mobile driver's license app And most places take card (or nfc via google/apple pay)
- mixmastamyk 4mo agoCards are "contactless payment" these days.
- eipi10_hn 4mo agoGoogle Pay (Google Wallet) actually also has virtual number so my real card number won't leak in many cases.
- orthoxerox 4mo agoI am not North American, but instead of Google Pay I use my bank's app for contactless payments.
- pona-a 4mo agoThere are a few other banks running their own NFC payment systems, like Swedbank in my country.