How is tap-to-pay more secure than the chip on the card?

Question

I understand how using something like Apple Pay or whatever the android equivalent is is secure, using things like one-time-codes, but how is having a card that can do tap-to-pay secure? Couldn’t someone just copy the wireless signal it gives off and then use that in place of my card?

In: 5

Answer 1

It’s harder to steal/skim, and in some cases it creates a temporary card number that is only good for like 60 seconds. So even if someone does get it, they can’t really use it, and it’s not linked to your other accounts/auto pay setups. That was what got me into using Samsung Pay 4-5 years ago.