Unfortunately, I think you're unlikely to find anything besides the ones made by the big companies: Google, Apple, Samsung, and Garmin are the ones I know. They each have agreements with the banks and credit card companies to handle the secure exchange of data required for the touch payment system. In fact, there are still some issues resulting from a lack of cooperation (such as Citi Bank not working with Garmin Pay because they can't be bothered to set up the relationship). I imagine an open source software would be unable to get the banks to pay attention to them to establish a partnership, or would otherwise be declined because the financial institutions wouldn't trust them.
this post was submitted on 25 Sep 2023
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Yep, I still can't use any of those because my bank isn't supported. It's one of the largest national banks in Canada too
My bank won't support Google pay, but supports Samsung pay. Why? No idea.
Likely a deal with them.
I have looked around, myself, but not found a FOSS alternative. There are typically compliance issues like PCI DSS for certain banks that prevent trust and cooperation from those banks outside a larger entity like Google, Apple, etc.
Aside smart phones, Flipper Zero can clone some cards sucessfully. But that's an entirely different device, not an app for a phone. Best of luck!
Also, if the Flipper Zero can clone your bank's card, you should probably switch to another bank.
It's a neat tool, and it can definitely do a lot, but it's not magic, and it can't emulate decent cards with proper security. If your bank card doesn't have that, that's… an issue.
Unfortunately AFAIK there are no open source projects that major credit card vendors and banks are willing to work with. That's the fault of the banks and cc vendors, not the vendor you are shopping at of course.
You might be interested in strike. It's not open-source but it's built on open-source protocols:
- Send and receive USD and BTC to more than 60 different countries, seamlessly convert between the two. Low or no fees depending on what you're sending/receiving and where. Vastly cheaper than western union and other remittance services.
- Transactions settle in seconds thanks to lightning network (there's your open-source protocol)
- Ability to scan QR codes to make or receive payments, or create QR codes to request them. Basically works as a point-of-sale.
- You can top-up or drain your account much like venmo (link to debit card or bank account) and you get your own unique username which you can change whenever you want.
Electrum
I use iCard. It's not open source but it's not Google or Apple, which is the most important.
This sounds unbelievably risky. I would be very careful if i were you
Icard is actuality the only alternative that can register as a contactless nfc payment that not relying on google/Apple wallet and its perfectly safe. It's an actual bank in Bulgaria and is eu regulated and PCI certified
Not Foss. Kinda of a privacy nightmare as you need to verify your identity and location with actual documents but as already said its not google and is a solid option if you are degoogled.
You can't do any kind of banking without extensive privacy invasion these days. It's called KYC: https://en.wikipedia.org/wiki/Know_your_customer
Even if you found a bank with an open-source wallet application (you won't), they would still ask you your ID, your income, what you spend on, your mortgage, the list of countries you have accounts in, how much on each account, the size and color of your underwear, you're wife's shoe size etc etc.
Unless you find an employer that pays you in cash (you won't), you can't do anything private with your money anymore. Welcome to the 21st century dystopia.
Why risky?
A shame that this search turned out null, but at least I learned about https://www.opensourcealternative.to/
Are you in Europe? Then OpenBank
That seems to me to be a bank and not an alternative to Apple/Google Pay, let alone open source. Or am I wrong?
It's not opensource, but they have "OpenPay" which allows you to pay with your smartphone without using Google or Apple pay, which I think is the question, no?
We might have to wait until the head death of the universe for an opensource bank, I think.