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Digital wallets and contactless payments: understand how to make payments without having to unlock your cell phone screen
Digital wallets have become increasingly popular, offering a fast and secure way to make payments with cellphone. One of the great advantages of these solutions is the ability to make contactless payments, even with the phone screen locked, increasing convenience for users. However, it is important to understand how the authentication process works and the details of each platform to ensure a smooth and secure experience.
Apple Pay: convenience and security in the palm of your hand
In the case of the iPhone, Apple Pay offers a convenient way to pay without unlocking the screen. To activate the payment, simply press the side key twice while the phone is near the machine.
The user then authenticates the transaction using biometrics – either fingerprint or facial recognition. This process allows the payment to be made quickly, while keeping the phone protected.
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Samsung Pay: Ease of use with the lock screen
Samsung Pay works in a similar way, allowing users to make payments without unlocking their phone screen, as long as they authenticate the transaction with biometrics. The platform provides a fast and secure experience, integrating contactless payment technology with the device's security features.
Google Pay: Restrictions and Public Transport
Google Pay, on the other hand, takes a different approach. While the platform works with the screen locked for payments on public transport in cities like Rio de Janeiro and São Paulo, it is necessary to unlock the screen to make payments for other types of purchases.
This differentiation is a particularity of Google Pay, which offers a more restricted experience for payments outside of public transport, requiring an additional step to guarantee the security and confirmation of the transaction.
Payments with a blocked cell phone: how does it work?
Some of the leading digital wallets, such as Apple Pay and Samsung Pay, allow contactless payments with a locked phone, but require biometric authentication before completing the transaction. The contactless payment system, which allows you to make purchases by bringing your phone close to the card reader, offers convenience without the need to unlock the device. However, to ensure security, users must authenticate using biometric methods, such as facial recognition or fingerprint, for each transaction.
Security and convenience in payments with digital wallets
Digital wallets such as Apple Pay, Samsung Pay and Google Pay offer consumers a convenient way to make payments using their mobile phones. Contactless payment technology has proven to be increasingly secure and efficient, allowing for quick transactions, even when the phone is locked.
However, biometric authentication, such as fingerprint or facial recognition, remains an important layer of security, ensuring that only the authorized user can complete the purchase. By adopting these solutions, consumers not only enjoy the convenience of contactless payment, but also benefit from a high level of protection for their financial transactions.
