Google 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.
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.
Google 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.
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.