now it's veronicaexplains.net
POLL: do you use your phone or watch for contactless payments?
Yes, I use a phone or watch for payments
41.3%
No, I stick with cards/cash
58.7%
Poll ended at .
Jan 14 at 6:17pmWeb
Show threadEric de Redelijkheid Jan 14
@vkc Both actually.
Show threadbenJan 14

@vkc I answered yes, but I’m actually starting to try to switch away from that recently, though not yet completely.

(My reasons are partly because I heard recently that the charges to the merchant tend to be higher, and partly about trying to decrease reliance on Apple.)

Show threadMichael MathyJan 14
@benjamineskola @vkc
Normally, in apple pay, if you link a card to your account, it is the same price for the merchant.
Show threadautumn 🐾 hyper-fixated on dogsJan 14
@vkc sometimes, but not always.
Show threadtacoJan 14
@vkc All the time. It’s just super convenient. I carry around alternative payment but I very rarely need it.
Show threadJoe Jan 14
@vkc no because graphene doesn't seem to have a good contactless solution for me.
Show threadRadomír ŽemličkaJan 14
@JJGadget Haven't tried it myself, but I've seen comments that Curve Pay works fine.
Show threadJoe Jan 14
@Razemix I'll check it out again. I'm in the US and remember that being an issue here.
Show thread#/usr/sbin/rtherenJan 14
@vkc Nope. There's a part of me inside that seriously dislikes the idea of having any payment/bank on phones.
Show threadVictoria🏳️‍⚧️Jan 14
@vkc i only use it
Show thread🏳️‍🌈🎃🇧🇷Luana🇧🇷🎃🏳️‍🌈Jan 14
@vkc yeah, specially watch. Lots of the time I don’t even take my wallet, just my phone and watch.
Show threadSérgio Pereira Jan 14
@vkc I usually use my phone but I also carry my card and some cash for situations where those might be needed or preferred.
Show threadPeter K.Jan 14
@vkc I'm not sure what this counts as, but I usually scan a QR-code to make a direct bank transfer, no card involved at all, but not NFC either.
Show threadBruce ElrickJan 14
@vkc I do, but I also have a small wallet since I need ID at least and, as a result , I use both.
Show threadRaymond RussellJan 14

@vkc

I just recently got my 1st phone with NFC but its not a feature I will use.
I don't even have any banking apps or suchlike on my phone I prefer to do that stuff on my laptop.

Show threadherrgruenJan 14
@vkc I swapped my iPhone and Apple Watch with a Pixel Phone running GrapheneOS (and my lovely old mechanical watch), so I was using my phone/watch before and I‘m going to use a card in the future.
Show threadPrincess Serena Star ✨Jan 14
@vkc Yeah when I can. I have to use my watch though, because my phone is rooted and has Lineage so Google Pay's witchcraft somehow is able to detect that
Show threadDomenicoJan 14

@vkc I only carry a small amount of cash and I have a single debit card with limited funds, my phone has the credit card because I feel like it's more secure.

Yes, the fact that all my payments are routed through Google is not really ideal.

Show threadkitJan 14
@vkc
I was, and it was very convenient, but that was before giving up on Apple. I gave up on googevil much earlier.
Show threadPaul LJan 14

I chose card/cash:
besides that my phone doesn't have NFC for payments,
I don't have to take my card out of the wallet for tap to pay such as at supermarket or when buying a ticket - I can just wave/slap the wallet at the reader.

I would have liked to be able to set my own contactless limit but the banks dictate the amount and therefore the loss they are willing to stand on stolen cards.

I'd also have preferred a card that I load up via transfers than one that draws direct from my current.

Show threadDiaboloVampireJan 14

@vkc No, but I would like to. But I didn't dive into the possible solutions on GarpheneOS.

Maybe something for your upcoming Graphene OS video?!

Show thread💯% BꞮG DΣMӨП ΣПΣЯGY™ 𖤐Jan 14
@vkc my phone's custom ROM doesn't let me do contactless so my little backpack has my wallet on a leash inside
Show threadmictterJan 14
@vkc I use a ring, even more convenient 😎
Show threadITzTravelInTimeJan 14
@vkc let's just say that I prefer to not have a big tech also selling my transaction data, I am barely fine with my bank doing it to my government for tax purposes
Show threadScottMGSJan 14
@vkc I used to but stopped in the last few years.
Show threadCharley the CogeanJan 14

@vkc Never saw the advantage of paying through an app, honestly. It got pushed so soon after chip cards that by then I was just rolling my eyes.

My gut tells me: The manufacturer sets a price. The wholesaler takes a markup. The retailer takes a markup. The credit card gets a percentage, and now, presumably the app designer takes another percentage on top of that. Gee, wonder why everything is so expensive these days? 🤔

Show threadCeri :neofox_floof_cute::tailwag:Jan 14
@vkc i mostly use google pay and Garmin pay(watch) for payments, but i also still carry my physical wallet as ive been in cases where both are out of charge at the same time
Show threadPackets From The VoidJan 14
@vkc
Cash, the gas station doesn't need to know my name and the bank doesn't need to know what I spend my money on.
Show threadbgoodwinJan 14
@vkc almost always no for me. I’ll do it if there’s no other choice. Otherwise, real actual card
Show threadRupert ReynoldsJan 14

@vkc Sometimes cash.

But if I use card, it tends to be on the phone--the phone needs to be unlocked to pay, and it uses a virtual card number I can pause or cancel any time. Those are 2 positives in security. Also the phone is probably closer to hand :-)

Show threadwibbleJan 14

@vkc No. That's because, for many years, I've left my wallet at home for six days each week, finding it saves money, prevents overdrafts and deters expensive habits. Folk recovering from certain addictions may be familiar with the tactic.

I like to carry my phone, however, because I sometimes get useful calls.

And so, though I could turn my phone into a wallet, conveniently controlled by a whimsically evil corporation, I've not yet persuaded myself it would be a good idea.

Show threadRene Raggl 🇪🇺 🇺🇦 🇬🇱Jan 14
@vkc No.
Show threadMorélJan 14
@vkc since the COVID thing became a problem, 99% phone/watch payments.
Show threadalina cyborg mouse Jan 14
@vkc it greatly depends on the situation but I have set it up to work and sometimes it comes in very handy
Show threadnikoJan 14
@vkc i usually have physically a debit and a credit card with me, but I pretty much exclusively pay using my phone. Same with an ID, I usually (not always) will have it in plastic, but I’ll use my phone to ID myself anyway
Show threadnow it's veronicaexplains.netJan 14
@nrab oh that might be part of it for me, too: we don't have any form of digital ID where I live (US) so I need a physical ID card for enough transactions to where I don't leave home without it.
Show threadDavidJan 14

@vkc
I never use contactless payment on the phone.

Storing payment methods on the phone always made me uncomfortable. I can't really articulate a good reason, just feels "bad".

Although I also often refuse to turn on any sort of one click purchase features to help prevent impulse purchases, which may be a related instinct

Show threadErin, OSHA DenialistJan 14

@vkc my only option would be Google Pay and I don't have a Google account.

And I don't wanna involve more evil companies in my cashless transactions than necessary.

Show threadEliot LashJan 14

@vkc I configured my android phone to use tap to pay with my credit card but I only use it as a backup payment option. I find a traditional plastic card more convenient and reliable.

My previous credit card provided extra rewards for using phone as tap to pay so I used it more for a while but didn't love it.

Show threadjavensbukanJan 15

@vkc For me it depends! If it's a ma and pa store or other small independent, I use Interac (debit) with my card as it's the cheapest for them to accept, or cash if that's not an option.

If it's a massive megacorp LOLOLOL *taps expensive travel credit card* with the card.

I only use NFC though my phone if I forget my wallet by accident.

Show threadAlex, the Hearth FireJan 15
@vkc only for bus passes
Show threaddisorderlyfJan 15

@vkc If my card is stolen or lost, I can immediately call my bank and have them lock the card or reissue me another one.

If someone steals my phone and I have payment info on it, they can blow every cent in my account for however long it takes me to physically go to the bank.

Show threadKanaMaunaJan 15

@vkc

Mostly phone because it’s fast and doesn’t come with the fun risk of accidentally flinging cash and cards out of my wallet. Also produces a digital record.

Show threadCodey McCodefaceJan 15
@vkc if I’m ordering online, I use the phone because it’s more convenient than typing in my name, address, card number, code, zip code, phone number, and email address. When I walk into a place, card or cash.
Show threadAlison MeeksJan 15
@vkc I've not even set up payments via my phone ie tap action. I do use my bank app for quick things or deposit a cheque ( yes I have one client that insists on paying with them). Paying when out card or cash if I have any cash on me.
Show threadJaap ZeldenrustJan 15

@vkc
I used to pay with my phone before my bank switched to Google Pay as its payment processor. Google Pay doesn't play nice with GrapheneOS, so that was no longer an option. Now I generally use my debit card.

I care about my privacy, but as I understand it, phone vs. card hardly matters.

I try to maintain a habit of using cash at least occasionally. Keep at least some of my spending opaque.

Show threadMiakoda Jan 15
@vkc When I first had a phone that could, I did, a bunch. Then the novelty wore off and it was just habit. Then I moved to a more private device and I felt 0 need to find a way to make that feature work. Using my phone did not present itself as more convenient, or really helpful in any way. Notably, my plastic card still works no matter how long I've been without a charger, dropped it, gotten it wet, etc.
Show threadShoe BillJan 16

@vkc

Late to the poll, but I use cash whenever I have the option to. Even when I buy something off Amazon, I still go to the gas station and buy myself an Amazon gift card and pay for it in cash. Even though I have it sent to my house anyway, there's still no reason why I should create another paper trail.