As it is safer to pay by card or smartphone?

Contactless payment and its security has become a highly relevant topic in the context of the pandemic. Experts told how to operate the services for contactless payment, is it worth it to pay for purchases in a contactless manner and how safe is it to link the card to your phone and pay off the device.

If you pay by Bank card has "in Vogue" among our fellow countrymen, the method of payment with smartphone is not so many people. There is an opinion that the calculation of the smartphone is less secure than a regular credit card, but he didn't the experts agree.

Let's see how to pay with your smartphone.

When you register your card in Apple Pay, Google Pay or Samsung Pay, the Bank creates a unique ID, which uniquely identificeret map, but contains no details.

In the implementation of the payment transaction, your ID in the encrypted form is transmitted directly to your Bank, and the Bank in automatic mode synchronizes all necessary data and confirm the payment (or not).

That is, if you look from this side only, the security of the payment of a smartphone is much higher than traditional cards. Also do not forget that in the case where you have lost your card or it was stolen, it can take advantage of.

Of course, your phone can also use to steal your money, but a good password, and other methods of protection will significantly complicate the life of the swindler.

Although the risks in the use of maps or smartphone are always present, they are much less than the use of cash.