Nope, nor do I intend to. GrapheneOS frowns upon rooting and modifying the system as it typically widens your attack surface. I'm not using a secure OS then going around to purposefully make it less secure.
I'm sure Google contactless payment works really well when the phone is dead. Or you drop your phone in a toilet or off a bridge. It's far easier to loose a phone than a card in a wallet in your pocket. If you lose your phone, you also lose access to all your money.
Not a fan of google pay, but I gotta say, I lost way more wallets than phones in my life it's about a 3 to 0 ratio (not counting purses I have lost before owning a phone.
I also carry a wallet? Cause, yknow, ID and stuff.
Phone is just way more convenient. Especially since I don't have a limit on its contactless amount. Whereas with my card, I would have to chip&pin for anything over £40
Why carry a contact less card when you can pay with your phone? Have you given it a try? I find myself without a card in lots of situations. Paying by phone is incredibly convenient. Lot harder to lose than a card too.
Yes this depends on the linked card, the software you are using and sometimes vendor limits. Many banks have a cardless withdrawal from atm option as a backup if there happens to be atm nearby. These can have pretty high limits.
There are also card generating apps like cash app where you create a cc number on the fly. In a pinch most vendors can easily split the cost of something across different cards if one is maxing out.
I'd still carry my debit card if I used phone, just in case I lose one while out and about. I think I'd be more likely to notice my phone is missing but more likely to lose the phone in the first place.
I've never tried it in part because I don't trust my phone with it's proprietary software, and I suspect there may be no open source apps to pay with.
A contactless card barely takes up any space. It's not particularly easier to lose either. I've never lost my card; I just keep it in my wallet, in my pocket, just like my phone is in my pocket.
Easy with one card, but it’s a different story when you have multiple cards. Transit pass, loyalty cards from grocery stores for discounts, credit cards for cash back rewards.
I already have my phone in hand in shops - shopping lists, reminders or even plain taking my mind off the shelves so I won't buy unnecessary shit. Then I get to checkout and...my phone is already in hand. Just boop it and done. No need to dig out wallet from pocket and then dig out card from wallet.
the app hides the real numbers for the credit card and gives the POS a mock id to make the purchase. it's harder to clone. also you need to unlock the phone for it to work it's an extra layer of protection
My Chip+PIN card has an RFID chip. Standard in Germany. Why would I tell, much less trust, google with my banking. Why would I let them skim data and/or a percentage off the transaction. Why would I choose a system with spotty acceptance, whereas I can use my girocard everywhere. It also doubles as 2nd factor for online banking.
I didn't choose, my bank gave me a contactless card when my last chip and pin card expired (the card still has chip and pin which I use when contactless fails).
I can create a virtual card before every trip, use it via my phone and then cancel it after the trip, never worrying if my card got skimmed anywhere for one.
For some fucking reason there is zero option for this type of secure virtual card in my country. And I hate it. A friend got skimmed for over $1200 a couple months ago.