Mastodon post with no text and an image showing a Monobank card strapped to the back of a Pinephone with some rubber bands. The text within the image reads "Contactless payments on PinePhone (working Google Pay/Apple Pay alternative)".
you are viewing a single comment's thread
view the rest of the comments
[–] 10 points 3 months ago (1 child)

Don't know about OP but gov ID works for that purpose. I'm more worried about when they go to a store that doesn't accept tap.

  • source
  • parent
  • hideshow 1 child comment
  • [–] 4 points 3 months ago

    I was thinking about this, and there are two easy workarounds, I think:

    1. If possible, get a second active card in the same name. Ideally, a full-identical cloned card. Not sure if this would be allowed, but if not...
    2. Add another authorized user to your account and never give them the card, then just dissolve that card for tap payments.

    But, in either case, I do think you might run into a different issue: automated fraud detection sometimes requires me to chip+PIN, even for transcribed below the tap limit. This has happened to me when traveling. I don't think there would be any way around that, and if you then fail to authenticate with chip+PIN, it's reasonable to think that the bank would lock your card for contactless payments until you successfully authenticate the card again with chip+PIN. (To be clear: this is only speculation; not sure if that would be an issue in practice.)

    So, I suspect that whether this would work or not might depend on your institution (or maybe jurisdiction?)

  • source
  • parent