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

> Couldn’t someone just copy the wireless signal it gives off and then use that in place of my card?

In theory, but you’d have to do the same thing as tap-to-pay. So you’d need the right equipment (which not that hard to get), and you need to be pretty close (physical contact or near to it) for a long enough time.

Do you walk around holding your card out in your hand, and ignore strangers who are pressed against you for 5-20 seconds, if no then don’t worry about it.