Comment on What happened to LineageOS? Has it been replaced by GrapheneOS?
TWeaK@lemm.ee 9 months agoGoogle Pay gives you worse consumer rights than using your card with contactless. A contactless card purchase is processed as “cardholder not present”, the same as phone catalogue purchases always used to be done, and the same as online purchases. The seller assumes default responsibility in any dispute. When you make a purchase with your card pin, or when you make a purchase with Google Pay, both are considered secure and authorised by you, so that becomes the default position in a dispute.
If someone steals your card and uses it to make a bunch of contactless purchases, you’d have a much easier time getting them refunded than if the purchases were made with your phone.
Mojojojo1993@lemmy.world 9 months ago
How would they use my phone? It’s locked and requires fingerprint to unlock? Card requires nothing. Can lock down phone. Can lock card but need to contact bank.
TWeaK@lemm.ee 9 months ago
Fingerprint is fairly easy to bypass, face unlock sometimes moreso. A PIN or password can be captured by just watching someone, and you’ll have far more opportunity to capture their phone PIN than you would their card PIN. If anything, you’re perhaps less likely to lose your card as it spends more time safe in your pocket.
The point is it can be done, and you’re in a worse position if/when it happens.
Mojojojo1993@lemmy.world 9 months ago
Sorry. Where are fingerprint readers easy to crack ? Maybe government agencies and high level crime syndicates. Not petty thief’s. I don’t use phone pin. I use fingerprint as discussed.
I don’t use card pin so that’s not an issue. The problem would be a contactless card. Which is the debate we are currently engaged in.
So no. I’ll stick with my phone using Google pay. I had my card skimmed with a card reader and my bank emptied. Funnily enough has never happened with my phone.
TWeaK@lemm.ee 9 months ago
Fingerprint readers aren’t easier to crack, but they’re easy enough to spoof. That’s certainly getting harder - just like spoofing facial recognition is - but ultimately biometrics are heavily flawed as a security method. Primarily, it’s almost impossible for a person to change their biomentrics, meaning once they are compromised there is little if anything that can be done.
I would say that you shouldn’t use Google Pay. You should revert to using your card directly, particularly contactless card purchases. Not only will this give you better consumer rights in the event of any dispute, but also you won’t be giving even more detail to Google.
Even so, cash is king. You can always haggle a lower price if you’re paying in cash, particularly when you highlight the 1.5% that card providers (MasterCard and VISA) levy for all card transactions, on top of their statutory fee.