There’s a joke in certain circles, that whenever something goes wrong in Paris, we blame Emily. I think you know of whom I speak.
Is it time to ditch your wallet? The pros and cons of mobile payments
05.12.2023 - 15:49 / thepointsguy.com
Everyone has forgotten their wallet at some point. The good news is if this happens to you, you can still access all of your credit cards by using your phone to pay for things and carry on as normal.
Mobile wallets have been around for over a decade and have grown in popularity over time. Google was the first major company to create a mobile wallet — Google Pay — in 2011 and Apple followed suit the next year with Apple Pay.
Now, nearly every major credit card can be added to a digital wallet and used for mobile payments with the simple tap of your phone or smartwatch. Some of the most popular are Apple Pay, Google Pay, Samsung Pay, and PayPal.
Major retailers, like Walmart and Kroger, are also getting in on the action and rolling out their own versions of mobile wallets. Although they differ in layout, most mobile wallets have the same basic function: they allow you to pay with a simple tap — even if you don't have your credit card physically on hand.
Related: Tap-to-pay is coming to JFK's AirTrain
Mobile wallets lighten your load a little since you can access all of your credit cards without the need to carry each one with you. This also reduces the hassle of replacement in the event of loss or theft. Once your cards are linked to your mobile wallet, you even have the ability to pay for purchases with a smartwatch that's synced to your smartphone.
Mobile wallets are also great for housing other important information, such as airline and train boarding passes, public transportation cards, event tickets and membership and reward cards.
Making mobile payments is more secure than using your physical card due to a process called tokenization. When you pay a retailer using a mobile wallet, it creates a one-time-use card number, aka a token, instead of sharing your actual card number.
Mobile wallets can't be hacked through credit card skimmers because during each transaction your actual credit card number is not transmitted. Mobile wallets, also require biometric authentication such as face or fingerprint recognition in order to complete a purchase. If you lose your phone, you can disable your cards much easier than with physical cards.
When you make a purchase with a mobile wallet, you receive a notification in real-time. This makes tracking your spending much simpler. Mobile wallets also have very intuitive and user-friendly app interfaces where you can get a detailed breakdown of your spending.
Additionally, many credit cards still offer bonus earnings — with some even offering higher earning rates — when you use them through a mobile wallet.
The Apple Card earns 2% cash-back on all purchases when you use Apple Pay compared to just 1% cash-back when you use the physical card. The U.S. Bank Altitude™
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