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Comment by ryukafalz | Hacker News Reader

I've never understood tap-to-pay being a dealbreaker issue. It takes me just as long to pull out my credit card as it does to pull out my phone, and you can use them on the exact same terminals.

App support and camera quality I can understand more. I'm on a Linux phone using Phosh (FLX1s), and there's Android app compatibility, but it is a little rough (and of course things that rely on Play Integrity won't work). I've managed to avoid tying myself to anything that requires Google for now, but I acknowledge that I'm lucky there.

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With tap-to-pay, you can store multiple cards in your digital wallet, and you don't have to remember any of their PINs. You can use your fingerprint to sign transactions. I believe this makes it faster.

There's also thresholds where a simple tap of a card won't work and you need to insert the chip, not the case with the phone. Phone is much much easier, don't even have to open the wallet app, just unlock the phone with your fingerprint and tap.

Tap to pay isn't itself a dealbreaker, for me it's more a representation of the status-quo and what is to come, specifically how more and more of the modern world will rely on integrations with proprietary software and hardware on phones. Tap to pay with credit cards isn't too big of a deal, but the wallet as a whole (i.e. boarding passes for airplanes, gift cards, ChargePoint tap-in) is a major feature.

Both Passes [0] and KDE Itinerary [1] work well on phones and can handle plenty of this stuff.

[0] https://flathub.org/en/apps/me.sanchezrodriguez.passes

[1] https://flathub.org/en/apps/org.kde.itinerary

> It takes me just as long to pull out my credit card

It can be a lifestyle difference.

I personally don't being my wallet in most daily trips, have no use of it. I used to stick a credit card in my phone case but also got rid of it as more stores reliably offered wireless and QR code payments.

Mind you this comes with a specific environment I don't expect everyone to live in or long for, I'm just explaining.

See, I have to have my driver's license, but if I could have that on my phone as well, I might do this. Running out of battery is largely not a concern for me as I already carry an external battery with multiple days of charge.

In Denmark at least we have this, both our drivers license and social security cards are apps on our phones. I only need my old physical drivers license when I leave the country.

I often leave the house without my wallet these days. It’s great. Especially riding the subway, where Apple’s transit functionality means you don’t have to do anything other than tap your device without even unlocking, is a very nice convenience when you’re carrying groceries or something similar.

I just put my debit card in the pocket in my phone case. Job done. If yours doesn't have a pocket, you can try putting it between the phone in the case. In that scenario, I suggest turning off NFC on the phone so it doesn't keep trying to read the card.

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