If your phone gets stolen, the thieves cannot access your payment information and you can use Find My Device apps to hunt them down and collect your device again. You’re at the mercy of the software - you could be trying to pay for something important on a day when the latest release has a bug. Sure, you can still lose your phone, but with Find My Device services on both platforms, and the required security features for users of their pay platforms, there is no way anyone can use it to charge purchases to your credit or debit cards. You’re no longer carrying around credit cards that you can lose. You can’t pay for anything if your phone dies. This is much better than protecting a pin from prying eyes. When you enable the service on your phone, you’re also enabling tighter security features and the requirement to use your fingerprint to pay. When that embarrassing validation text message pops up on your screen while you’re using your phone to pay. You just hold your phone near the reader, approve and you’re done. There are no pins to remember, no demagnetized stripes, or moody chip readers. ProĪpple and Android Pay are much easier methods of payment. Not all merchants support Apple and Android Pay, so you will probably have to carry around your wallet, anyway. No more bulky wallet to carry around if you are able to use your phone to pay with your debit and credit cards. Is using your smartphone as your virtual wallet really safe and secure? Let’s take a look at the pros and cons of Android and Apple Pay: Pro
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