This… Except for contactless payment.
I used graphene for a month. It was lovely. Even things like banking apps worked.
I don’t care about absolute privacy, but I do care about controlling my privacy. Grapheme gave me that.
I had only 1 issue.
Contactless payment.
It’s extremely convenient to me, from public transport to groceries. I just bop my phone.
The fact that Google has that locked down surely violates some EU laws. But I’m sure they wave away the laws because of “financial security” or some other bullshit.
As if bank card NFC/contactless doesn’t suffer exactly the same issues.
I looked into some “graphene contactless payment” type systems or workarounds, and I couldn’t find anything that would fill the gap.
I’m always nervous about fintech companies. Maybe it’s time to get over that and give curve pay a spin.
The cashback seems nice, considering a lot of shops I use are on there.
Unfortunately the reviews on Trustpilot and posts on Reddit make it painfully obvious that their customer service is basically nonexistent. Combined with the typical random account-closing most fintechs are known for, this is not a reliable option.
Looking at this comparison, iCard might be an option if you desperately need a way to use NFC payments on your phone. Reviews are good, but it appears to be a prepaid system. Lots of fees to get lost in, too.
But old school might be just fine, too. I just realized my card does fit into my phone case!
But contactless via a phone can have no limit.
Adding a debit card to phone case means the upper limit is £100. Which is actually fine, and is the limit I have normally set for phone contactless. But I can instantly remove that limit via my banking app.
And the phone needs to be unlocked to make a payment.
Do if I lose my phone anyone can charge £100 to the debit card.
I hear so many people praise paying with their phones, and there I am, so happy that I can leave my phone at home when shopping. Each to their own I guess.
My separate debit card and transport card won’t discharge or just stop working as likely as a phone. It also won’t be suddenly affected by bugs, nor will it get slower. Nor do I get Google also tracking every single payment as well.
The only disadvantage is compatibility. So many things, and now even some shops use contactless-only terminals, while I got contactless or magnetic payments blocked. Only chip + PIN.
But anyway, the shop that had to downgrade to contactless only due to increased fees on regular old terminal also started asking people to pay in cash instead, again, due to the fees.
"The fact that Google has that locked down surely violates some EU laws. But I’m sure they wave away the laws because of “financial security” or some other bullshit. "
I don’t know as much as I’d like to about the regulatory side of this, but I know that Google and other big tech have done a masterful job of proactively building themselves into systems such that taking action against them is difficult.
I think that’s part of why the US antitrust case against Microsoft a few decades ago fizzled out into nothing — even though Microsoft was deemed to have been a monopolist, the big question was how do we remedy that in a way that isn’t going to be harmful? The consensus on this amongst people who I respect is that the results of the Microsoft case was woefully insufficient and something that helped to lay the foundations of the big tech dominance that we see today.
I was hesitating due to this as well, until I realized that my payments are something I want google to have data on least of all. So I got a debit card and turns out it is no inconvenience at all.
It’s not necessarily a solution, but my Garmin watch can still hold some of my cards, so I don’t need the NFC payment on my phone to duplicate that functionality. Do you wear or carry any other devices that can stand-in?
This… Except for contactless payment.
I used graphene for a month. It was lovely. Even things like banking apps worked.
I don’t care about absolute privacy, but I do care about controlling my privacy. Grapheme gave me that.
I had only 1 issue.
Contactless payment.
It’s extremely convenient to me, from public transport to groceries. I just bop my phone.
The fact that Google has that locked down surely violates some EU laws. But I’m sure they wave away the laws because of “financial security” or some other bullshit.
As if bank card NFC/contactless doesn’t suffer exactly the same issues.
I looked into some “graphene contactless payment” type systems or workarounds, and I couldn’t find anything that would fill the gap.
Try Curve Pay. Just learned about it yesterday. I added my credit card and it just works. Couldn’t be happier.
Looks awesome, but unfortunately seems to only be for the UK and EU. I wish the US market would get something similar.
I’m always nervous about fintech companies. Maybe it’s time to get over that and give curve pay a spin.
The cashback seems nice, considering a lot of shops I use are on there.
Unfortunately the reviews on Trustpilot and posts on Reddit make it painfully obvious that their customer service is basically nonexistent. Combined with the typical random account-closing most fintechs are known for, this is not a reliable option.
Looking at this comparison, iCard might be an option if you desperately need a way to use NFC payments on your phone. Reviews are good, but it appears to be a prepaid system. Lots of fees to get lost in, too.
But old school might be just fine, too. I just realized my card does fit into my phone case!
Do you trust them? The Curve sub is full of people complaining about fraudulent transactions. Kinda makes me afraid of unlocking my card lol.
I haven’t really put much effort into researching before I downloaded the app. What do you mean ‘fraudulent transactions’?
Worst case scenario; I’ll have to request a new credit card. Not too much of a hassle in my mind.
This may seem like a silly solution but maybe pop your debit card inside your phone case. It should bop through it.
Yup, true.
But contactless via a phone can have no limit.
Adding a debit card to phone case means the upper limit is £100. Which is actually fine, and is the limit I have normally set for phone contactless. But I can instantly remove that limit via my banking app.
And the phone needs to be unlocked to make a payment.
Do if I lose my phone anyone can charge £100 to the debit card.
Yeah, all fair points. I do love the convenience of using my phone to pay too in fairness.
I hear so many people praise paying with their phones, and there I am, so happy that I can leave my phone at home when shopping. Each to their own I guess.
Everyone has different preferences.
My separate debit card and transport card won’t discharge or just stop working as likely as a phone. It also won’t be suddenly affected by bugs, nor will it get slower. Nor do I get Google also tracking every single payment as well.
The only disadvantage is compatibility. So many things, and now even some shops use contactless-only terminals, while I got contactless or magnetic payments blocked. Only chip + PIN.
But anyway, the shop that had to downgrade to contactless only due to increased fees on regular old terminal also started asking people to pay in cash instead, again, due to the fees.
That is literally the only thing keeping me from installing Graphene on my phone.
I don’t know as much as I’d like to about the regulatory side of this, but I know that Google and other big tech have done a masterful job of proactively building themselves into systems such that taking action against them is difficult.
I think that’s part of why the US antitrust case against Microsoft a few decades ago fizzled out into nothing — even though Microsoft was deemed to have been a monopolist, the big question was how do we remedy that in a way that isn’t going to be harmful? The consensus on this amongst people who I respect is that the results of the Microsoft case was woefully insufficient and something that helped to lay the foundations of the big tech dominance that we see today.
I use a smart watch for contact less payments ¯\_(ツ)_/¯
i just use a debit card lol
I was hesitating due to this as well, until I realized that my payments are something I want google to have data on least of all. So I got a debit card and turns out it is no inconvenience at all.
It’s not necessarily a solution, but my Garmin watch can still hold some of my cards, so I don’t need the NFC payment on my phone to duplicate that functionality. Do you wear or carry any other devices that can stand-in?
No.
I tried a smart watch for a week or so, and hated wearing it.
Hadn’t worn a watch in 20 years, and it felt very strange
Fair enough. I was in that camp for a decade or more myself. I hope you find a solution!