Today, in 2024there are still people who are not very familiar with the mobile paymentsthat they do not trust their security or that they have someone behind them saying “they are going to take all your data for paying like this.” Pay with your mobile It is not something new, it has been a reality for many years and it is increasingly common for customers of any establishment to pay with their smartphone. But the big question for many is, is it a safe method or is it better to pay with the card? Today we satisfy your doubts with a simple argument that can turn everything you thought until now on its head.
What happens when we pay with our mobile phone?
In order to make a payment with your mobile phone, it is necessary set up a compatible credit or debit card. The process is none other than registering the data and that your device, every time you want to pay, emit a signal via NFC to let the dataphone know the information of that card. That is to say, gives the same information as the internal chip of your card when you put it in a card machine or when you bring it closer to pay with contactless.
It’s the same, but stored on your smartphone. To give you an idea, it is not even necessary to have an Internet connection when you want to pay. Your device does not connect to anything, it simply sends the information through the NFC chip, something that does not need to be connected to any type of network.
Since it is the same process there is no one that is much safer than another when paying: very similar methods are used despite requiring a piece of plastic or a smartphone.
Mobile is a safer storage method
Now you know that your credit card stores the information necessary to pay and that your cell phone does exactly the same. But there is something that you may not have realized: the process for that information to be released to the dataphone.
In the case of the card, just pick it up and bring it close to any dataphone. It doesn’t matter whether you are the owner or not, as no establishment asks to verify identity. Most banks offer Payments contactless up to 50 euros without having to enter the card PIN. That is, if someone steals your wallet, they have free access to pay any small amount with your card.
When you pay with your smartphone, the device ALWAYS requests that you unlock it and use your fingerprint or facial recognition before paying. You cannot pay if you do not complete this step. If your cell phone is stolen NEVER They will be able to make a payment with it if they do not know your PIN or use your fingerprint.
Do you understand where we are going? While a credit card does not put any barrier to accessing information A cell phone does. And not just any barrier: it uses biometric systems such as fingerprint or facial recognition. This fact makes mobile is a much safer method to make paymentsas it allows you to leave the card at home and not worry about your bank account if it is stolen.
Now you know what to answer when someone tells you that paying with your mobile is less secure or that they can steal from you more easily, because the reality is completely different.