Pay securely with an Android smartphone, completely without Google services: This is the plan being developed by the newly founded industry consortium led by the German Volla Systeme GmbH. It is an open-source alternative to Google Play Integrity. This proprietary interface decides on Android smartphones with Google Play services whether banking, government, or wallet apps are allowed to run on a smartphone.

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[–] MouldyCat@feddit.uk 2 points 1 month ago (1 children)

Unfortunately there is a significant security advantage in using Google Pay or Apple Pay which no one has yet mentioned. When you make a payment with chip-and-PIN using your physical card, your real card number is exposed to the merchant. The proprietary wallet services on the other hand use a device-specific token in place of the card number.

In practice, this means that if a retailer is compromised, there’s no usable card data to steal or clone, which removes a large class of fraud that still exists with physical cards.

[–] Don_alForno@feddit.org 1 points 1 month ago (1 children)

I prefer to take the risk of a compromised vendor over all the things google will 100% do with my payment data.

[–] MouldyCat@feddit.uk 1 points 1 month ago

All power to you friend. Nevertheless it's best to be informed, especially when attempting to make a better alternative.