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Scanning the QR code makes your device text the company? Or you scan it and enter in your phone number? What if I don’t have a saved card? Still seems just as bamboozling

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It pre-fills a text message which you can send to authenticate yourself. If you don't have a saved card, you're prompted to enter one via a web url.

I assumed it was using one of those old pay-by-SMS mechanisms to bill the user, so they have to first type in their phone number?

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