Monero.
Otherwise I don't know if you'll find an open source alternative to Google wallet, since the banking system overall is very much the opposite of open source
this post was submitted on 06 Aug 2023
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They have to be certified by Mastercard/Visa, so no chance for open source. A few banks have their own implementation. Apart from mentioned samsung has its own version.
Monero
I have Monero, but i cant use a crypto to pay with my cards with NFC haha
Cakewallet?
But you can't pay with nfc with cakewallet, neither using Monero, right?
I am not an nft guy, so I have no idea. But monero absolutely, including getting a visa card what works paying with xmr
Bank card. Never used or want to use anything that collects my payment information.
Data risk to benefit is minimal with these type of apps.
I only use Google pay with a rechargeable card, so its not a big problem
that's fine, but really. Why not just throw any 3rd party out? It might be more confortable to grab ur phone than to grab a credit card, but that's as close as you can get to perfect (with zero effort even).
Do not know of any open source alternatives and it is surprising to me there are none. To my understanding, all that is needed as a mobile app that one can store their credit card on (number, expiry, cvc) and have NFC for permission for tap payments. The app should be able to function offline since the payment is done though the NFC, not your phone's internet connection.
It's a bit more complex than that because for contactless payments you don't share the card information with the vendor but an authorization token that need to be verifiable and certifiable by visa or mastercard.
So it needs to be sponsored in a way by visa or mastercard.
How would one go about creating a fully FOSS or mostly FOSS alternative to Google Pay?
Garmin Pay
Requires a Garmin watch instead of a phone. Not open source.
Garmin watch
I can use alipay too with my xiaomi band, but its the same, so i prefer google pay haha