Google Pay and Apple Pay will never be options
I request someone makes this (i cant code well!) with the idea being that whatever bank supports it first will poach many customers
It should include an option to set a daily max amount and the ability to block changes to that amount for X days to prevent a stolen unlocked phone from being able to charge more than a certain value.
Aside from specific banks having their own implementations, this is hard to do. Not necessarily from a technical perspective, but more likely not something that someone wants to invest in.
That said, there was very recently this:
https://reddit.com/r/ProtonMail/comments/1eayqs4/proton_wallet_early_access/leoxa7i/
Proton apparently made a Bitcoin wallet app (very weird in my opinion, but hey). When asked whether they'd want to compete with Apple or Google Pay, a representative said:
This may come later, subject to certain licenses being obtained, and community feedback. As hinted in the blog post, we hope this opens the door for further work in this direction.
Perhaps if they do eventually decide to go towards that direction, they don't artificially restrict it the same way Google Pay is, and is therefore an option that can be used on GrapheneOS. It would likely result in a lot of subscriptions just from GrapheneOS users alone.
All of this of course hinges on many factors, and if I'm perfectly honest, I'm not that hopeful.
Whoever develops it would just have it be something that has the same functions and interface as Apple Pay but all open source and not with integrity API
It would not include any crypto as part of it because that would scare banks away.
The point is for there to be an open alternative.
Some cool programmer will do this at some point. It will happen and whatever programmer who does it will get lots of respect.
Every once in a while a programmer does something so cool they just instantly gain a ton of respect. The Simple X Chat programmers are probably one of the latest groups of developers who seemed to have come out of nowhere to really impress people
notahuman What you are proposing has absolutely no use or value whatsoever. AOSP (and by extension, GrapheneOS) already includes contactless payments that can be implemented directly within a bank's application and does not depend on gpay. Some banks in some parts of the world use this feature currently.
What gpay does, is instead of implementing it within the bank's application, implements it within the gpay application instead and then relays all of your payments through g's servers, objective being to track your purchases. This is something unnecessary and which should absolutely not be done.
Instead of trying to get "someone" to develop an "open source" gpay-type system, you should be lobbying your bank to bypass gpay altogether and just implement their own direct nfc payments.
secrec great response, thanks for helping me better understand
the only thing is most merchants use applepay or googlepay and don't have certain banks as options. so even if a bank is willing, it could be rarely used
notahuman That isn't correct, your bank does NOT need to register their application with the payment provider. They just need to implement it, and just like the physical credit card they give you that has NFC capabilities in it, it will work.
The thing with payment providers having to "support" apay/gpay is that its no different than supporting MASTERCARD, VISA, AMEX, etc. They can be individually supported or not supported. The retailer has to pay different rates for each, so its not unusual to see a machine that says "no AMEX" or whatever. Some grocery stores around here support ONLY MASTERCARD. Your bank already uses one of Mastercard, AMEX, VISA, etc., so their card would be supported through that.
