Hey, I am kinda new to degoogling and I was wondering if there is an alternative to Google wallet with NFC payment. I dont want to use samsungs or apples too. Thanks
I just went back to my actual cards
I’m starting to go back to actual cash
That’s my next step
That seems to be the way honestly. I never leave home without my wallet, its just that i have gotten brainwashed thinking digital payments are better. The only thing i van think of being better is losing your physical card but then again you can just disable it immediately and ask for a new one.
Stick a card wallet in the back of your phone. To work it can only hold one and NFC on the phone needs to be off.
You can stick a fee other nkn NFC cards in their though.
Maybe FossWallet
A lot of updates and contributors!!
Its based on a github thay ksts the following.
Android App to view Passes (e.g. event tickets, coupons, loyalty cards, boarding passes, …). Displays esPass (.esPass) & Passbook (.pkpass) files.
So its more for tickets than banking.
It’s not open source and not ready yet, but seems interesting. https://walt.is/
Looks clean and seems to aim for privacy
Dude I’m probably an outlier here, but I closed several accounts (credit cards) and primarily use my debit and cash only.
Why? What’s the point of all this available credit? For a made up scoring system that I don’t really use? But all those companies get to monetize my usage and data yet keep higher interest rates to double dip. My credit isn’t perfect but it’d only need it for a car loan or home and I have an older reliable car and a home so I’m good.
Anyway, I digress. I bought a couple AmEx and MC gift cards for online usage if I need. I don’t do Amazon, Temu, etc. It’s really no different. I don’t use NFC payments, never have so can’t help you there. I guess my point to commenting is it’s easy to live without all these supposed conveniences. Just because it exists doesn’t mean you have to use it.
Never use cash/debit.
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If a machine is compromised and your data gets stolen you will never see your money back. Banks/cops do not give a shit. CC company on the other hand? They jump at the opportunity to reverse payments
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How do you expect to build credit?
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Many things you simply cannot do without a CC. Book a hotel. Rent a car.
I didn’t say I don’t have any CCs. I’ve gotten rid of a lot of cards, sure. I don’t need to “build credit” if I’m not using credit. We’re all taught to chase this magical number for benefits, but who does it actually benefit? I could care less if I’m 750 or 450, I’m not playing into their system anymore.
It’s taken work, but I’ve changed spending habits to be more reliant on what I have now and cash save vs “buy now pay later” mentality. What good is a sale if you pay interest on your cards? Sure, pay off right away is great but not everyone can afford to do that, and it can build bad habits. I get there are perks, but I commented elsewhere now businesses charge 3%fees for CC usage, so it’s a wash.
I can book a hotel just fine or rent a car with a debit card, too. Sometimes they might put a hold, and if it’s an absurd amount, I just use a CC in that instance. But you don’t need a high limit or good credit or anything for reservations.
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Cash is still king
Not saying you should use a credit card, but I haven’t seen this point made so I’m going to bring it up.
Everything is more expensive because of credit cards. That 2% cash back doesn’t come from nowhere, and it isn’t (only) sourced from people paying interest on their payments. Every transaction at a store that accepts credit cards is 2-5% more expensive simply because that store accepts credit cards. The credit card company charges a transaction fee when it is used, and the store isn’t going to change the price of something based on your payment method. So everyone pays the 2-5% markup.
This is why I personally have credit cards and also why I would support getting rid of them.
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I am using it and I don’t see a difference. Switched the default action for NFC payment to the app and its the same for me.
If it’s about getting away from a company you don’t like, move to apple. If it’s about data privacy, stop using your phone as a payment method.
None of the alternatives are safe or secure. Do your own research on this because I might have a different understanding than you of what’s safe or secure enough.
I never thought about that tbh
If you really want to get right with it, use cash in person.
In person is the only reason to have nfc anyway so cash sidesteps all the data concerns and you don’t have to choose between trusting a particular big corporation, yoloing it with Jim’s third party processing app or raw doggin’ the possibly a skimmer payment terminal.
People will say “well, what if they track the serial numbers of the bills dispensed at atms or deposited by a store?” but that just means they don’t understand how retail works and shouldnt be listened to.
Curve Pay
Your Google Wallet replacement is the most feared thing by the government of the USA 😂
Banks in the EU finally have “instant SEPA wire transfer”. But the process of getting payment details and authorizing the money transfer is still super clunky.
I really want all payment processors gone. There is no reason why we pay a 3% tax online. Well maybe for security with like ebay. But most ordering with shops, just have some system to easily pay with free online banking transfer. Banks are sleeping on the job. It’s the only reason why those assholes got rich off of paypal.
I used to just have a silicon case around my phone, with the banking card clamped between it and the phone: functionally the same, without any technical dependencies.
Garmin has a wallet but you need one of their watches. No idea about the privacy since I don’t use it.
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