Google Pay and Apple Pay or physical credit card? What is the safest solution

Consumers have various options for paying for their purchases and the services they use. In addition to cash they can use a physical credit card or take advantage of instruments mobile payment e extremely widespread and universally accepted digital payments, come Apple Pay e Google Pay.

Faced with these choices, people tend to ask themselves before deciding which method to use which one is the safestwhich protects against malicious people and scams and avoids the theft of personal information, and which is the most convenient one.

It’s good to choose with awareness know the characteristics of each instrumenthow it protects your data and money and how you can use it.

How Google Pay works

Google Pay is a service, an app for paying in all stores, physical and online, services and products. It is simple to use and allows you to complete payments quickly directly with your smartphone or other devices that you always have at hand.

To use Google Pay you need to indicate a payment method, i.e connect a credit or debit card from which money will be withdrawn every time a purchase is made. In the United States of America and India, Google Pay adds further functionality, allowing users to send money to friends and family.

It can be used in many physical stores that they accept contactless payments. Alternatively, the Google Pay logo must be present near the cash register. If you want to shop online, you should make sure that it is accepted among the payment methods.

Through the official application it is possible view a transaction logtrack all charges and obtain account statements.

This is a safe tool, as Google uses security world-class security infrastructures located throughout the world, with the aim of protecting every single account. Google never shares the associated credit or debit card number and information, but sends merchants a virtual account number.

Before you can make a payment you need to set up a screen lock which must be removed with a personal Pin, fingerprint or pattern before making the transaction. Google does not under any circumstances sell the user’s personal information, who can use the service with complete peace of mind.

How Apple Pay works

Those who own an iPhone can take advantage of Apple Pay, a tool similar to Google Pay and which allows you to make payments quickly payments in physical stores and online.

Apple Pay can be used in all stores that accept contactless payments, directly using the application on your device, and in all stores that display the appropriate logo near the checkouts. In order to use the service it is necessary set up your cards in the Wallet app. Credit, debit and prepaid cards are accepted.

In order to make a transaction it is necessary unlock the iPhone through authentication with Face ID or Touch ID, based on the smartphone model you own and its characteristics.

Physical credit card, Google Pay and Apple Pay: the level of security

Servizi come Google Pay e Apple Pay they are extremely useful and advantageousas they allow you to secure your current account, reducing the possibility of theft and loss of your physical credit or debit card and all the risks that could result.

It’s about very secure payment methodsas both companies leverage efficient infrastructures and protect consumer data with world-class systems. Your credit card numberassociated with one of the two services, it is not passed on to anyone, not even to the merchant from whom the purchase is made. Payments can only be confirmed via your smartphone, which eliminates the risk of money being used after your account is hacked.

Those who fear the theft and loss of their smartphone can feel safe, since before authorizing any transaction it is necessary to unlock their device with a code, a pin, Face ID or Touch ID. That is protects against any fraudulent activity or unwanted purchase, as only the rightful owner can proceed and provide authorization.

If Google Pay and Apple Pay do not share and do not show the number of the credit card used, the same cannot be said of the physical version of the latter. The number and other data, such as the name and surname of the holder, they are printed on the paper itself and, consequently, they could easily end up in the hands of a criminal.

Most credit cards do not require pins to make transactions. In case of loss or theft, it will not be difficult for third parties to make purchasesalbeit small, before the owner realizes the need to block the card.

The security levels of Google Pay and Apple Pay may be exceeded, but this event is extremely unlikely.

To know more: Digital payments, what they are, what they are, innovation and platforms