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From: Jim the Geordie <jim@jimXscott.co.uk>
Newsgroups: comp.mobile.android
Subject: Re: Samsung Wallet vs Google Pay
Date: Wed, 8 May 2024 13:26:00 +0100
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In article <v1dn2p$pp8$1@softins.softins.co.uk>, tony@mountifield.org 
says...
> 
> In article <MPG.40a01ed34f6ff8e098970b@paganini.bofh.team>,
> Jim the Geordie  <jim@jimXscott.co.uk> wrote:
> > Yes I have a Samsung or I wouldn't have asked and yes I have NFC.
> > 
> > I simply wondered whether the physical action of paying is simpler with 
> > one or are they both the same.
> > The question arises because I often get asked (by a bloody machine!) to 
> > try my fingerprint again when it had already accepted it 5 seconds 
> > earlir. Grr.
> 
> I noticed this annoying feature which started relatively recently with Google Pay.
> 
> After doing some research, I found that Google made an update a couple of
> months ago, such that every transaction requires that you have been
> biometrically validated within the last few minutes. On my phone (Xiaomi),
> Face Unlock is no longer considered sufficient, but fingerprint is. So if I
> unlock with face recognition and then try to tap on a pay terminal, it fails,
> then asks me for my fingerprint, then tries to pay again, hopefully with
> success. Some terminals will need the retailer to reset the transaction before
> you can retry.
> 
> There are two workarounds that I found:
> 
> 1. Turn off face unlock, so that I always needed to use fingerprint to unlock.
> I tried this for a while, but it lost a lot of convenience in day-to-day use
> of the phone.
> 
> 2. When about to pay for something, open the Google Wallet app, and look above
> your card image for a box that says "For your security, you need to verify
> that it's you before paying." with a blue link "Verify that it's you". Tap on
> the link just before trying to pay, enter your fingerprint, and then tap the
> phone on the pay terminal.  The box will disappear and the payment should then
> work first time. There is a timeout of two or three minutes (I haven't timed
> it, but it's not as short as "5 seconds") before the app will ask again for
> you to verify. OK, this is more steps than just unlock and pay, but this is
> the procedure I now use, as paying for something is much less frequent than
> needing just to unlock my phone, and there is time to open the app while the
> retailer is entering the transaction.
> 
> Hope this helps
> Tony

Thanks Tony. Nice to have someone answering my question without raising 
the moral question of cash vs card/phone.
After a bit of experimentation I find the Samsung Wallet easier to use. 
It always asks for fingerprint. Google offers options.

-- 
Jim the Geordie