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I don't think so. These are heavily regulated and that's why Google Pay/Apple Pay is still not available in all countries after so many years.
So unless your bank allows that, which I doubt they'll, Google Pay is probably the only way to do contactless payment the traditional way.
Unless your country/city has a widely accepted third party payment system that doesn't go through the bank, like a digital wallet that you'll have to top up its credit, then maybe.
I'm incline to say that there's no way. I order to have secure payments you have to secure each and every step of the process. Without a big corporation under those steps no one in his right mind will gamble with payments
Exactly, payments processing requires a Chain of Trust where each step can be verified as a known, trusted, actor.
The government could reasonably enact a more open standard using digital currency, but you would still depend on your device being trusted to handle payments.
Considering it's a heavily regulated industry, I think what you're asking for is impossible.
Low-tech solution: tape your card to the back of your phone
This is the best suggestion I've seen so far lol
Slightly higher-tech solution: 3d print a phone case with a card slot in the back.
There is Samsung Pay, Garmin Pay, Fitbit Pay, but all are big cooperations too and I think some only work on wearables. Another alternative are payment rings with a card in them.
Everything in the banking / point of sale space requires certification, thus there are few solutions that enter the space as it is a slow costly process that involves payment processors and banks.
I remember reading somewhere that a flipper isn't capable of cloning a card due to the security features built in.
man, I wish. my bank's app used to have its own built-in contactless payment option (and it would even appear in Android's "default apps" section as a payment handler!) but then they moved to Google Pay "due to a popular demand" :/
I personally feel this should be the way. But knowing how bank do their security I don't have faith in their software engineering as well. It's 2023 and in Canada most bank ATM still only have 4 digit pin and the online banking login protection are like lagging 10+ years behind.
Personally I just put my bank card inside my phone cover. Maybe not as fancy as NFC payment, but does the job.
I would do that but I don't get on with phone covers and cases
I just keep my bank card in the protecyive sleeve of my phone, so it's jut as easy to pay with it as it would be with my phone. There are of course some pros and cons compared to paying with my phone, but for me it's important that it also works when I run out of battery.
This would be a perfect solution but I really hate having a case on my phone.
Back in the days you could take the back off your phone I put my card physically inside the phone and that worked alright but that's not really possible anymore
I live in Bahrain, a small island near Dubai, and we have out own app called BenefitPay that we use for contactless payments. The app can be used on degoogled devices without issues. Like people said, it's a highly regulated industry and there are a lot of hoops to jump around to get banks/businesses to accept a new form of payment method unless it becomes regulated by the country you live in.
Would you consider samsung wallet big tech?
They are much smaller than google (user base wise)
I am not entirely sure it can be installed on non Samsung phones and non stock roms
Samsung is about the same size as Alphabet
Samsung, chaebol, is f-king huge.
Right, I was actually only talking about Samsung Electronics, which most people in the West think of when they say Samsung
Honestly I'm fine with using Google pay or Samsung pay I just don't want them in control of my whole phone
I've actually got a Samsung phone would just like to put an alternative OS on it
I have a Pixel with GrapheneOS. You cannot use tre phone's NFC for tap to pay (even if you download all the Google apps), so I have found a workaround with Garmin Pay on my Garmin smartwatch.
Not completely open source or private, but there isn't anythig in the US that'll do.
How about Samsung pay?
Not that i am aware of. Our financial system is loaded with proprietary software. The only way i have found to fix it is to opt out as much as possible and use cryptocurrency which is what i have done
I love the idea of crypto as an actual currency but I think that's probably never going to be widely accepted and stable
There are other payment solutions. I have never used them and do not know how widely they are accepted. Maybe Paypal, Venmo, and Square have POS solutions. I do not think they are NFC. Maybe QR-code based? This is from memory. Maybe someone else knows more.
But yes beyond the ones people talked about, crypto, and the three I mentioned I am not sure there are any others in the US.
The only way I can think of is using some kind of contactless wearable or make one yourself by putting the chip from your card into something else
I would love to know also. I have used this when I lost my card and it was super helpful