Do you use NFC to pay for things on your phone?

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Do you use NFC to pay for things on your phone?

Yes
23
52%
No
21
48%
 
Total votes: 44
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OrangeRKN
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PostRe: Do you use NFC to pay for things on your phone?
by OrangeRKN » Mon Jun 18, 2018 3:50 pm

Winckle wrote:
OrangeRakoon wrote:If I lost my wallet I'd be much more worried about my cards than maybe £40 cash

I can call my bank immediately and have the cards frozen, the cash is gone.


I'd have to pay to replace my driving licence, my railcard and my bus pass, I'd have to replace my donor card, I'd be stuck waiting for my new bank cards to arrive in the post, and I'd have to go through the whole hassle of ringing all these people to get it all sorted out.

Basically what I'm saying is that if I lost my wallet, £40 is the least of my worries, and I'm not going to be kicking myself thinking that if only I paid for things by card I wouldn't have lost it.

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Johnny Ryall
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PostRe: Do you use NFC to pay for things on your phone?
by Johnny Ryall » Mon Jun 18, 2018 3:51 pm

Earfolds wrote:
Dual wrote:
Earfolds wrote:I use Google Pay all the time, pretty much. Literally the only place I'm forced to use my card is at Tesco, because they insist that they can't accept contactless payments over £30.


Do you have to open an app on your phone to do it?

What happens when you get to the till?


You have to unlock your phone, but you just put your phone over the contactless sensor just like you would with a credit or debit card.

Cards are limited to a maximum of £30 since you don't put in a PIN or anything, but there's no limit for Google/Apple Pay, since your phone acts as an authorisation step. It's especially secure if your phone has a fingerprint reader.


I didn't know this! I've been using chip and pin for larger payments I'll have to test this out.

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PostRe: Do you use NFC to pay for things on your phone?
by Mafro » Mon Jun 18, 2018 3:51 pm

Winckle wrote:
Knoyleo wrote:
Errkal wrote:Get annoyed when somewhere doesn't take cards or has a £5 minimum as I never carry cash anymore.

What are you, the Queen?

There are transaction charges which can be pretty painful for small businesses or anywhere that handles a large volume of low volume transactions.


Cash has costs associated with it as well, it's not as simple as all that.

OrangeRakoon wrote:If I lost my wallet I'd be much more worried about my cards than maybe £40 cash

I can call my bank immediately and have the cards frozen, the cash is gone.

Some banks even let you just cancel cards or report them stolen through their app. You don't even need to phone up and do all the annoying verification stuff.

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PostRe: Do you use NFC to pay for things on your phone?
by Mafro » Mon Jun 18, 2018 3:59 pm

Green Gecko wrote:I use my contactless card quite a lot.

I find my smartphone too distracting and invasive so I don't carry it unless I'm travelling. I also can't be bothered to check two ledgers for the appropriate information when doing my accounts although I'm not sure how it actually works.

It does sometimes bother me how vague contactless payments are. I mean it literally comes up with "contactless payment" on my statement half of the time. Good luck remembering what that was a year later when it finally comes to doing your self assessment :shifty:

Mine tells you the merchant and location of the purchase as well as the fact it's contactless on the statement. What bank is that? Seems weird that they'd be allowed to be so vague.

OrangeRakoon wrote:
Winckle wrote:
OrangeRakoon wrote:If I lost my wallet I'd be much more worried about my cards than maybe £40 cash

I can call my bank immediately and have the cards frozen, the cash is gone.


I'd have to pay to replace my driving licence, my railcard and my bus pass, I'd have to replace my donor card, I'd be stuck waiting for my new bank cards to arrive in the post, and I'd have to go through the whole hassle of ringing all these people to get it all sorted out.

Basically what I'm saying is that if I lost my wallet, £40 is the least of my worries, and I'm not going to be kicking myself thinking that if only I paid for things by card I wouldn't have lost it.

Opinions and all that, but I'd me more annoyed with being down £40 than having to replace a few cards and make a few phonecalls (that's if you can't arrange replacements online). It's never happened to me before, but apparently with Apple Pay it automatically updates with your new card once the bank authorise the replacement, so you don't even have to wait for it to physically arrive in the post to set it up again.

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Johnny Ryall
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PostRe: Do you use NFC to pay for things on your phone?
by Johnny Ryall » Mon Jun 18, 2018 4:01 pm

There's also the thing of small change being all but useless in this day and age but I know you for solve that with normal bank cards.

Frankly I'd be fine with cash going away

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PostRe: Do you use NFC to pay for things on your phone?
by Rubix » Mon Jun 18, 2018 4:20 pm

Never used it. My watch also has the ability however I don’t know if I’m ready to have it so open

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PostRe: Do you use NFC to pay for things on your phone?
by Errkal » Mon Jun 18, 2018 4:22 pm

Rubix wrote:Never used it. My watch also has the ability however I don’t know if I’m ready to have it so open


I don't know about the watch but for the phone you have to unlock the device to use it with thumb, code or whatever so its more secure than a card that can just be tapped instantly.

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PostRe: Do you use NFC to pay for things on your phone?
by OrangeRKN » Mon Jun 18, 2018 4:33 pm

Mafro wrote:Opinions and all that, but I'd me more annoyed with being down £40 than having to replace a few cards and make a few phonecalls (that's if you can't arrange replacements online). It's never happened to me before, but apparently with Apple Pay it automatically updates with your new card once the bank authorise the replacement, so you don't even have to wait for it to physically arrive in the post to set it up again.


It's not just the inconvenience, it's the added concern that now someone out there has my driving licence with a load of personal details for example. If I lose cash then it's just a minor monetary loss. Losing the other things in my wallet, or my phone, gives me more than just a one off loss to worry about, and the potential damage is more unknown. If I lose cash then I know exactly where I am, which leaves me a lot less anxious, even if the actual damage ends up being worse than losing my card.

It gets back to the less things I have on my phone, the less things I'll be lying awake worrying about if I lose it. My only major concern with my phone at the moment would be for where I use it for multi-factor authentication.

Of course the most likely result of having a phone stolen is that it just gets wiped and sold on, but as I wouldn't know that I would worry.

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PostRe: Do you use NFC to pay for things on your phone?
by Errkal » Mon Jun 18, 2018 4:39 pm

OrangeRakoon wrote:
Mafro wrote:Opinions and all that, but I'd me more annoyed with being down £40 than having to replace a few cards and make a few phonecalls (that's if you can't arrange replacements online). It's never happened to me before, but apparently with Apple Pay it automatically updates with your new card once the bank authorise the replacement, so you don't even have to wait for it to physically arrive in the post to set it up again.


It's not just the inconvenience, it's the added concern that now someone out there has my driving licence with a load of personal details for example. If I lose cash then it's just a minor monetary loss. Losing the other things in my wallet, or my phone, gives me more than just a one off loss to worry about, and the potential damage is more unknown. If I lose cash then I know exactly where I am, which leaves me a lot less anxious, even if the actual damage ends up being worse than losing my card.

It gets back to the less things I have on my phone, the less things I'll be lying awake worrying about if I lose it. My only major concern with my phone at the moment would be for where I use it for multi-factor authentication.

Of course the most likely result of having a phone stolen is that it just gets wiped and sold on, but as I wouldn't know that I would worry.


Unless you have you phone setup to have no security set up at all then it being lost or stolen isn't a concern as someone unless its picked up by a proper tech nerd FBi agent isn't going to be unlocked and so anything on it isn't visible, accessible or usable. Also every phone OS has remote locking, data wipe and location so if you lose it you can reset it anyway and lock it down via your phone company so it isn't usable any more.

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PostRe: Do you use NFC to pay for things on your phone?
by OrangeRKN » Mon Jun 18, 2018 4:46 pm

Minimal chance vs zero chance, zero still wins.

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PostRe: Do you use NFC to pay for things on your phone?
by Rog » Mon Jun 18, 2018 4:56 pm

Winckle wrote:
Knoyleo wrote:
Errkal wrote:Get annoyed when somewhere doesn't take cards or has a £5 minimum as I never carry cash anymore.

What are you, the Queen?

There are transaction charges which can be pretty painful for small businesses or anywhere that handles a large volume of low volume transactions.


Cash has costs associated with it as well, it's not as simple as all that.

OrangeRakoon wrote:If I lost my wallet I'd be much more worried about my cards than maybe £40 cash

I can call my bank immediately and have the cards frozen, the cash is gone.


The freezing cards thing is what has made me try out the curve card. Just change which card it represents in the app so I don't have to carry them all round with me. Then if I get mugged it's only the curve that has gone and I can still use my actual cards.

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PostRe: Do you use NFC to pay for things on your phone?
by Green Gecko » Mon Jun 18, 2018 5:20 pm

Mafro wrote:
Green Gecko wrote:I use my contactless card quite a lot.

I find my smartphone too distracting and invasive so I don't carry it unless I'm travelling. I also can't be bothered to check two ledgers for the appropriate information when doing my accounts although I'm not sure how it actually works.

It does sometimes bother me how vague contactless payments are. I mean it literally comes up with "contactless payment" on my statement half of the time. Good luck remembering what that was a year later when it finally comes to doing your self assessment :shifty:

I think it's down to the card reader being used. Having set up various merchant services for my business you usually have to provide some kind of statement descriptor, but I think for contactless payments one of the reasons it is fast is that it doesn't require that information. So the card reader can just say ok we took a payment at that's it. Other contactless solution providers are probably doing it properly like Barclays etc. I think it's also the reason for the cap, it's a sort of "mini" transaction that doesn't have all the same information and regulation associated with it.

Or maybe it's the contactless payment shows up pre-authorised and then gets filled with the specific information after it has been processed fully, isn't there about a week delay before gooseberry fool shows up? That's very annoying if you're managing an overdraft for example but similar things happen with online places that reserve funds at the point or payment but don't actually charge you until some point after that, usually dispatch. It's that kind of variable that probably put people off things working in expected ways.

As for cash I never have it for more than a few days at most. Too many bills for that.

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PostRe: Do you use NFC to pay for things on your phone?
by massimo » Mon Jun 18, 2018 5:30 pm

Very interesting reading people's opinions on this. I would have assumed most people here would use it, but not so sure now.
I haven't used Android or Samsung Pay, so can't comment on their experience or security, but I know Apple Pay has been an absolute life saver. I'm confident in the security it offers and the ease of use is a key part of it all, so will continue to recommend people use it where possible.

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PostRe: Do you use NFC to pay for things on your phone?
by Mafro » Mon Jun 18, 2018 5:37 pm

Most of the taxi firms around here support Apple Pay now and it's so handy on a night out.

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PostRe: Do you use NFC to pay for things on your phone?
by Winckle » Mon Jun 18, 2018 5:41 pm

Mafro wrote:
Green Gecko wrote:I use my contactless card quite a lot.

I find my smartphone too distracting and invasive so I don't carry it unless I'm travelling. I also can't be bothered to check two ledgers for the appropriate information when doing my accounts although I'm not sure how it actually works.

It does sometimes bother me how vague contactless payments are. I mean it literally comes up with "contactless payment" on my statement half of the time. Good luck remembering what that was a year later when it finally comes to doing your self assessment :shifty:

Mine tells you the merchant and location of the purchase as well as the fact it's contactless on the statement. What bank is that? Seems weird that they'd be allowed to be so vague.

OrangeRakoon wrote:
Winckle wrote:
OrangeRakoon wrote:If I lost my wallet I'd be much more worried about my cards than maybe £40 cash

I can call my bank immediately and have the cards frozen, the cash is gone.


I'd have to pay to replace my driving licence, my railcard and my bus pass, I'd have to replace my donor card, I'd be stuck waiting for my new bank cards to arrive in the post, and I'd have to go through the whole hassle of ringing all these people to get it all sorted out.

Basically what I'm saying is that if I lost my wallet, £40 is the least of my worries, and I'm not going to be kicking myself thinking that if only I paid for things by card I wouldn't have lost it.

Opinions and all that, but I'd me more annoyed with being down £40 than having to replace a few cards and make a few phonecalls (that's if you can't arrange replacements online). It's never happened to me before, but apparently with Apple Pay it automatically updates with your new card once the bank authorise the replacement, so you don't even have to wait for it to physically arrive in the post to set it up again.

I changed my bank account type and I received a new card and didn't have to do anything in Android Pay, I imagine Apple do the same.

We should migrate GRcade to Flarum. :toot:
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PostRe: Do you use NFC to pay for things on your phone?
by HailToTheKingBaby! » Wed Jun 20, 2018 9:22 am

For those worried about losing their debit card, Monzo is really good. I use it as a secondary bank account for my monthly general spending. Have my wages to in and bills come out of my main Halifax account then transfer what's left to Monzo and carry that card around with me.

If I ever lose it then I can instantly freeze it via their app. It also notifies you of every transaction you make including the store name and amount. Works with Apple and Google pay too.

I tried the curve card but it doesn't work at Tesco pay at pump which I use a lot. Monzo is a full bank account with a proper debit card so works everywhere.


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