Made my first purchase with Google Pay (aka, Google Wallet) today. It was simple enough, though my first impression is as I suspected--not a whole lot easier or harder than pulling out a credit card. The need to enter your PIN kind of offsets the effort savings of not having to physically pull out and replace your credit card. (I also had to enter my zip--not sure if that was a one-off or is common.)
Still, NFC pay-by-phone does have an important advantage, specific to my personal use case. I keep my driver's license inside my phone case. That means I don't necessarily need to have my wallet with me, if I don't expect to be buying stuff. Most of the time, I bring it just in case. But if NFC payments became widely enough accepted, that might relieve me of the need to always carry my wallet. I would probably just keep it permanently in my car's glovebox.
My ideal would be for Google Wallet (and Apple Pay) to be integrated with Mint.com. Furthermore, I don't just want the transaction total, I want the transaction detail. I want the detail to be sent to my phone via NFC, and then uploaded to Mint.com. Sadly, I don't foresee this actually happening any time soon.
Still, NFC pay-by-phone does have an important advantage, specific to my personal use case. I keep my driver's license inside my phone case. That means I don't necessarily need to have my wallet with me, if I don't expect to be buying stuff. Most of the time, I bring it just in case. But if NFC payments became widely enough accepted, that might relieve me of the need to always carry my wallet. I would probably just keep it permanently in my car's glovebox.
My ideal would be for Google Wallet (and Apple Pay) to be integrated with Mint.com. Furthermore, I don't just want the transaction total, I want the transaction detail. I want the detail to be sent to my phone via NFC, and then uploaded to Mint.com. Sadly, I don't foresee this actually happening any time soon.
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