ICS and Google Wallet? - T-Mobile Samsung Galaxy S II SGH-T989

Now that ICS is further along and a leak what does that mean for apps like google wallet? Should they work?
Sent from my SGH-T989

Google wallet requires a secure element.
Sent from my SAMSUNG-SGH-I727 using XDA

Not sure what you mean by secure element. Does hat mean the t989 will never get Google wallet?
Sent from my SGH-T989 using Tapatalk 2

The secure element is where credit card info is stored I think.
So know we won't get it until Google remakes the app for phones without a secure element.
Sent from my SAMSUNG-SGH-I727 using XDA

Which is to say "never".
Let me explain a few things:
Credit card schemes (e.g. VISA, Mastercard, Amex) have a whole bunch of security and compatibility requirements for building a payment device, such as a pinpad, or a chipcard. You see credit card companies are not overly concerned with your convenience. They are, however, concerned with fraud, since when some unfortunate merchant leaks a hundred million credit card numbers from some database, they are the one who ultimately have to pay for all the fraudulent charges afterwards. So, they are trying to mandate some sort of trusted party at the point of sale for all in-person credit card payment to go through. The chip on your chip credit card is a big part of this effort: with this chip, no one can economically clone your card.
That "secure element" of Google Wallet is probably a specialized piece of hardware, probably a TPM chip with some mechanism to generate a digital signature complete with state information of some sort (BTW no, it does not have to have your credit card data, it merely has to sign your payments in a way that can be traced back to your device). This is done with the sole purpose to make it impossible for you or anyone else to initiate a valid payment from an unauthorized device, or by bypassing it. You absolutely HAVE to have it, that's the whole point of it: it is built so that you cannot read it without destroying it, and your whole phone with it, and even when you do that, that just one chip you have compromised at a great cost. You won't even break even doing that.
The ultimate goal is to make credit card fraud economically unviable: even if your merchant leaks your credit card number to a credit card fraudster, they have to go out and steal your phone or your physical credit card before they can use it. Now try stealing a hundred million cell phones or credit cards without getting caught.

kangelov said:
Which is to say "never".
Let me explain a few things:
Credit card schemes (e.g. VISA, Mastercard, Amex) have a whole bunch of security and compatibility requirements for building a payment device, such as a pinpad, or a chipcard. You see credit card companies are not overly concerned with your convenience. They are, however, concerned with fraud, since when some unfortunate merchant leaks a hundred million credit card numbers from some database, they are the one who ultimately have to pay for all the fraudulent charges afterwards. So, they are trying to mandate some sort of trusted party at the point of sale for all in-person credit card payment to go through. The chip on your chip credit card is a big part of this effort: with this chip, no one can economically clone your card.
That "secure element" of Google Wallet is probably a specialized piece of hardware, probably a TPM chip with some mechanism to generate a digital signature complete with state information of some sort (BTW no, it does not have to have your credit card data, it merely has to sign your payments in a way that can be traced back to your device). This is done with the sole purpose to make it impossible for you or anyone else to initiate a valid payment from an unauthorized device, or by bypassing it. You absolutely HAVE to have it, that's the whole point of it: it is built so that you cannot read it without destroying it, and your whole phone with it, and even when you do that, that just one chip you have compromised at a great cost. You won't even break even doing that.
The ultimate goal is to make credit card fraud economically unviable: even if your merchant leaks your credit card number to a credit card fraudster, they have to go out and steal your phone or your physical credit card before they can use it. Now try stealing a hundred million cell phones or credit cards without getting caught.
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I don't think that Google Wallet is a "never" for our phone.

icepally said:
I don't think that Google Wallet is a "never" for our phone.
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I hear you but, having worked with these people, I can see how they think and work. I would be extremely surprised if I see Google Wallet on my phone. I want it no less than you, but in my eyes if Google is to pull this feat off, they would have to go against the entire payment industry all by themselves, or else foot any and all reported cases of fraud themselves. Neither is very likely to happen.
On a brighter note, here is my version of "Google Wallet": I put a paypass card in my wallet and scan it without taking it out. The "Google" part sits in my other pocket.

kangelov said:
On a brighter note, here is my version of "Google Wallet": I put a paypass card in my wallet and scan it without taking it out. The "Google" part sits in my other pocket.
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Related

[Q] Google Wallet at Best Buy?

Has anybody used Wallet at Best Buy successfully? Twice I've failed. It says sent, but then informs me that my payment might not have been successful. It worked fine at CVS.
Rabble rabble rabble.
I work at best buy and used Google wallet to buy snacks and drinks all the time...so it definitely works at my store
Sent from my Galaxy Nexus using xda premium
You might not be holding the phone next to the reader long enough. I've noticed that if I don't hold it there for a couple seconds after the phone says payment sent, it will fail.
Just tried it at a Chevron and a Macy's and it wouldn't work at either place. I literally place the phone on the pay pass thing and it says sent. It stays at the sent screen for a little while and then the next screen says something like Reader detected, last tap may not have been successful, ask cashier if transaction is finished. Both times nothing happened after that. I lift the phone away and try again and it's the same thing. At CVS literally all I did was tap it and it said it was complete and brought me to the receipt page.
Rabble rabble rabble.
IXIKelsonIXI said:
Just tried it at a Chevron and a Macy's and it wouldn't work at either place. I literally place the phone on the pay pass thing and it says sent. It stays at the sent screen for a little while and then the next screen says something like Reader detected, last tap may not have been successful, ask cashier if transaction is finished. Both times nothing happened after that. I lift the phone away and try again and it's the same thing. At CVS literally all I did was tap it and it said it was complete and brought me to the receipt page.
Rabble rabble rabble.
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Click to collapse
so to clarify, your transaction was successful at cvs? i ask because I tried GW at 2 different 7-11s and a cvs and got the same errors you did (payment sent, followed by last tap may not have been successful)
Sent from my Galaxy Nexus using xda premium
Completely successful at CVS. Held my phone to the reader and entered my pin. It said sent, then went to the receipt page. All in a few seconds. Everywhere else it does what I mentioned.
Rabble rabble rabble.
I've used GW at McDonald's twice and CVS once without any problems, but this makes me want to go to BestBuy and try it. If I do stop in to grab something today, I'll come back and report what I find.
I might run in there as well and try to buy something if there isn't a line and I have a patient cashier. I want to get it figured out. There's no reason it shouldn't be working.
Rabble rabble rabble.
I had a problem at CVS, as well. Didn't want to look like an idiot trying to use my phone to pay, so I just got out my credit card instead. Waiting to go someplace (Shop Rite, perhaps) that has self-checkout so no one sees me struggling
Worked just fine at my Best Buy Mobile.
Sent from my Galaxy Nexus using xda premium
I loaded fifty bucks onto my account, and now I can't find anywhere to use it. First world problems. The dude at Best Buy just now said he thought the terminal might be broken. But it isn't the only place I've run into the issue, as mentioned earlier.
Rabble rabble rabble.
I went to Best Buy and bought some nose hair trimmers using GW and it went through just fine.
Here is a something to note for people that will be using the Citi MasterCard on GW. The day I got my GW on my SGN, I applied for a Citi MasterCard and until it came in, I used the prepaid gift card that come with GW. I never re-loaded it, so I have nothing to report on it, but something that I do find interesting that others might also is that if you used the prepaid card, it showed where you used it and how much you spent, but on the Citi card, it shows nothing.
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Inside the transaction, it says "PayPass merchant - Merchant name is not available for Citi transactions. To view merchant name, see your paper receipt or credit card statement." and "Amount unavailable - Payment amount not available for Citi transactions. To view payment amount, see your paper receipt or credit card statement." but shows the date, time and address of where you bought something. Just an FYI for those of you that care.
Even with the prepaid $10 the merchant name didn't show up for some time for me.
Sent from my Galaxy Nexus using xda premium
cpcrazyfly said:
Even with the prepaid $10 the merchant name didn't show up for some time for me.
Sent from my Galaxy Nexus using xda premium
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That's odd, mine shows the name and amount instantly when using the prepaid card.

Google Wallet Disabling Prepaid cards

Google has temporarily disabled the provisioning of prepaid cards in its Google Wallet service over fears that it can make users' finances easily accessible should they lose their mobile device.
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http://bit.ly/zoznqV
Didn't say what that means if you have your own money charged onto the prepaid Google card...
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Dmtalon said:
http://bit.ly/zoznqV
Didn't say what that means if you have your own money charged onto the prepaid Google card...
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As far as I know this only affects users who do not yet have a pre-paid card or are trying to re-add their pre-paid card after wiping their device (i.e. me). If your pre-paid card is already active you should not have any issues using it.
In my opinion this issue has been blown way out of proportion...
Oh I agree completely. Its still at least as secure as my actual wallet. In my case more so, as I have a pin on my phone, and of course GW too. Those along with Cerberus to find/wipe as needed I feel as safe as can be expected.
I'll try to use it today when I leave the gym. There's a CVS right next door that has Paypass.
The rumors I've been reading suggest that as long as you have funds remaining on your Prepaid Card you can continue to use it as usual - but I don't think the balance will update after a transaction due to the whole "cannot contact bank" message in your screenshot. When you need to top up the card (which you'll only know is out of funds when it gets declined, I suppose), you'll be out of luck.
Don't reset or you won't be able to add it back.. That's the boat im in now essentially breaks wallet for me now since I don't use citi... wish they would fix it already
According to Money Network support they are supposed to have this feature back up and working in the next day or two.
Yea I used it 2/9 and I had the transaction location along with the deduction from my prepaid amount available. It looks like this only affects new activations. Everything seems to be working fine for me.
If there is still a balance left on it then u can use the balance amount but u cannot add anymore funds to it.
Sent from my Galaxy Nexus using Tapatalk
I can confirm that I can still purchase things, the balance updates, and I can even see the last 4 of the prepaid card (user id).
Sent from my Verizon Galaxy Nexus
I can confirm that I can not purchase anything since I can't connect to the money network.. I have $28 loaded, still getting declined.
Not only is mine working again, I was just able to add funds to my card.
Still won't let me re-add my prepaid card...
matt212308 said:
Still won't let me re-add my prepaid card...
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I am in the same boat after flashing AOKP 23.
For this hack to even work, someone needs your phone. If my phone is lost or stolen, Google wallet would be the least of my concern. My saved passwords on my browser would be 100x worse than this hack
Sent from my Galaxy Nexus using XDA App
i am getting the same error, it says prepaid card unavailable. any1 know when this will be fixed??
iPathik said:
i am getting the same error, it says prepaid card unavailable. any1 know when this will be fixed??
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I've been hearing both here and from calling Money Network that it should be resolved by Friday or Monday. I don't know if you'll have to call to get your card reprovisioned (would make sense to me, since it's a "security" issue) or if it will just start working on its own.

NFC Enabled Business Cards

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Moo.com is a custom printing company that specializes in high quality business cards and "mini-cards". Their latest product is a business card with a writable NFC chip inside. They've taken to calling it the "third side" of the business card.
No technical details or pricing yet, but if you place an order for one of their other products, they'll throw one in for free.
It's simply a NFC tag embedded into the paper. Should not be that expensive.
that is relative damastus. NFC tags are currently about $1 each ordered on ebay from china (anyone found cheaper?)
$1 for an NFC tag is not much $1 for a business card is like buying a solid gold business card. IE you won't be selling too many
nerys71 said:
that is relative damastus. NFC tags are currently about $1 each ordered on ebay from china (anyone found cheaper?)
$1 for an NFC tag is not much $1 for a business card is like buying a solid gold business card. IE you won't be selling too many
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Interesting, will see how this works
I only need one card to be NFC enabled, and that'll be in the clear card holder on the front of my binder. Then people can just tap it to add my business contact to their phone.
EDIT: Of course, currently I'm just going to stick a sticker on the back of my current card... But if I can get one free the next time I order cards, might as well.
jozmedia said:
Interesting, will see how this works
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ay cheaper than $1 mate!
amazon.com/s/ref=nb_sb_noss?url=search-alias%3Daps&field-keywords=blank+nfc+stickers&rh=i%3Aaps%2Ck%3Ablank+nfc+stickers&ajr=0
and rapidnfc.com has wristbands, key fobs, custom printing, and more!
I think i would rather pay pennies to the Chinese to do that for me tho!
Is there any advantage of having NFC enabled business cards when I already have a NFC enabled Phone with a Business card app? I am new to NFC, so its possible I am missing something.
the advantage is you can "do" interesting things with your business card (embed stuff in it electronically)
now you CAN do the exact same thing with QR codes as well (and they are free) but NFC requires ZERO initial input from the user if they are already "set up" to use NFC (it its already turned on etc.. etc..)
just touch the card to the phone and it "does it" while the QR code requires them to install a camera scanner and requires them to load it run it align it with the card get it in focus etc.. etc..
Just a more "transparent" form of QR basically but for some operation that transparency makes the difference between useful and useless.
nerys71 said:
the advantage is you can "do" interesting things with your business card (embed stuff in it electronically)
now you CAN do the exact same thing with QR codes as well (and they are free) but NFC requires ZERO initial input from the user if they are already "set up" to use NFC (it its already turned on etc.. etc..)
just touch the card to the phone and it "does it" while the QR code requires them to install a camera scanner and requires them to load it run it align it with the card get it in focus etc.. etc..
Just a more "transparent" form of QR basically but for some operation that transparency makes the difference between useful and useless.
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This I understand. I was just telling that a NFC enabled phone can act as a card, what is the advantage of a separate card.
I am trying to be humurous here
so your just going to hand them your $500 phone and say keep it ? hehe
point i they can take the "card" with them. they can't take your PHONE with them and it retain the NFC active transparent content.
should also be GREAT for word of mouth once NFC is more common place.
let me give you an example. you have a large client who can possibly get your MORE clients. you give them one of these special NFC cards.
now when he see's someone else who also needs XYZ he can say he I know this guy here scan his card and he pulls out your business card and touches it to the back of this other person's phone and poof they got your info too.
lots of interesting usage possibilities. just needs to come down in price.
monotheist said:
This I understand. I was just telling that a NFC enabled phone can act as a card, what is the advantage of a separate card.
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Portability, mostly. You don't have to fire up your business card app, and hand the phone to someone. I know a salesman who has an NFC tag on his portfolio - at meetings he uses that to share his business info, then gives out business cards. He said it's mostly for the coolness factor, and to break the ice (he sells software to geeks like me )
That said, I don't expect to see these get real popular at $1 a pop. At 10 cents, yes. As someone else pointed out, a QR code is free. Moo will let you add a QR code to a business card or mini card.
q426669 is right, a simple NFC sticker would do the job as well, but this supplier: TapMy.Biz actually managed to integrate the chip inside of the paper itself. So it actually feels like paper and the chip is totally invisible. Price is a little more than 1$ just that you get the mentioned added value I just described. Also they do the encoding for you which saves you time. I tried a few suppliers and they where the only one that actually ship right now, and don't deliver total crap.
Like nerys71 said NFC business cards are a great way to be remembered, so for some it might not be worth it to invest so much in a business card but like he said for some it really pays off. It really just depends in which industry you work in. A flower store for example wont get as much out of, but a grafic designer (links to his online portfolio) or app dev (links to the app in the playstore), or a simple startup (has vcard info on it) might benefit a lot from that. Investing in your business card can pay off. Check out this funny video which fits the subject: youtube.com/watch?feature=player_embedded&v=4YBxeDN4tbk
Sent from my Galaxy Nexus using xda app-developers app
those are a bit more than $1 they are over $2 a pop even if you order 100 of them (whats $155 Euro's in US $ ?)
155 euro is about 200 usd. If nfc becomes more popular I reckon ways will be found to make it cheaper.
Sent from my SAMSUNG-SGH-I727 using xda app-developers app
I found some on ebay for $40 for 100
How much thicker are they than a standard business card
Sent from my Galaxy Nexus using xda app-developers app
xartic12 said:
I found some on ebay for $40 for 100
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Click to collapse
good luck printing on that
Check out this sweet article Robert from Talkandroid did about us (+video) :thumbup: :beer:
http://www.talkandroid.com/reviews/...ality-and-perfect-for-high-impact-networking/
Sent from my Galaxy Nexus using xda app-developers app
Great article, thanks for that.
Sent from my Nexus 4 using xda premium

Google Wallet

I had opened my Google Wallet app and I had no connection and was presented with this prompt:
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Can someone please tell me how this is possible being that you need a connection to complete purchase? Perhaps I am over thinking this. My reasoning is such that I don't want to got to the market and try and purchase something at checkout only to be embarrassed because of a "no connection". Anyone?
From Google Wallet's FAQ:
"How is paying in-store different than paying online?
When paying in-store by tapping your phone, Google Wallet passes the virtual prepaid MasterCard card to the merchant for payment, and then charges your selected credit or debit card for the original amount of the purchase. (For some users that pay in-store with a Citi MasterCard or the Google Prepaid card, these credentials are passed directly to the merchant.) When paying online, at merchants that accept Google Wallet, your selected credit or debit card is charged directly. For all transactions using Google Wallet (in-store and online), the Google Wallet Terms of Service will apply. For any payments occurring in-store using the Google Wallet mobile application, the Google Wallet Virtual Card Terms of Use will also apply, in addition to the terms and conditions of the issuer of the credit or debit card you selected for the transaction. For online transactions, the terms and conditions of your selected credit or debit card will apply."
Your card's information is transferred and then charged, so payments will still work once your card's information is stored on your device. At least that's how I understand it. I've payed offline before and had it go through fine for what it's worth.
saranwrap said:
From Google Wallet's FAQ:
"How is paying in-store different than paying online?
When paying in-store by tapping your phone, Google Wallet passes the virtual prepaid MasterCard card to the merchant for payment, and then charges your selected credit or debit card for the original amount of the purchase. (For some users that pay in-store with a Citi MasterCard or the Google Prepaid card, these credentials are passed directly to the merchant.) When paying online, at merchants that accept Google Wallet, your selected credit or debit card is charged directly. For all transactions using Google Wallet (in-store and online), the Google Wallet Terms of Service will apply. For any payments occurring in-store using the Google Wallet mobile application, the Google Wallet Virtual Card Terms of Use will also apply, in addition to the terms and conditions of the issuer of the credit or debit card you selected for the transaction. For online transactions, the terms and conditions of your selected credit or debit card will apply."
Your card's information is transferred and then charged, so payments will still work once your card's information is stored on your device. At least that's how I understand it. I've payed offline before and had it go through fine for what it's worth.
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Click to collapse
That's pretty cool, so you were physically at a store whip'd out your phone and payed with it while it was offline?
P8TRIOT said:
That's pretty cool, so you were physically at a store whip'd out your phone and payed with it while it was offline?
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Click to collapse
I was at McDonalds in an area where my data connection drops, I whipped out my phone and it went through. Also didn't need to turn on WiFi.
Sent from my Nexus 4 using xda app-developers app

How To Guide How to use Google Wallet/Google Pay with unsupported banks.

As of today, Google Wallet has spread to most of Europe, USA, Canada, Brazil, Chile, Australia, New Zealand and some countries in Asia such as India and Japan, and in each of these countries there are banks that are compatible with Google Wallet contactless payment and others that are not (here complete list of banks by country), for example, in Spain which is the country where I live, there are many banks that have already joined Google Wallet. If you are a customer of one of the supported banks you can easily add your credit and debit cards to Google Wallet and pay from your phone or watch without problems but unfortunately, there are 2 major banks (and several more minority ones) that currently do not support Google Wallet payments, these are CaixaBank and Banco Sabadell.
What happens to cards issued by entities such as these that have not joined Google Wallet? In principle, you might think that there is nothing to do but, fortunately, there is a solution.
Basically it is to use a debit card that does support payments with Google Wallet, and that you can associate with your usual debit card. In other words, it consists of having the card act as a "bridge" between your bank and Google Wallet. It is an interesting option, since it does not imply having to become a customer of another bank or accept their conditions if you become a customer (in some cases, having a minimum amount of money in your current accounts or having your salary paid directly into your bank account). In European countries there is a solution, which is not associated with traditional banks, supports Google Wallet and serves perfectly as a bridge, it is the Curve card. If you check the list of supported banks by country you will see that it is compatible in almost all European countries, in fact this card operates in 31 European countries. If Curve is not integrated in your country, either inside or outside Europe, investigate the compatible cards in your country from this list in case there is an alternative such as N26, Revolut, Monzo, etc.
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In the case of the Curve Mastercard, it is a physical card that is sent to your home free of charge and is not associated with any bank account, but with one or more credit/debit cards that you own. Therefore, once received at home, you must activate the card in the mobile app and then upload the cards you want to associate with Curve. When you pay with the Curve card, the charge is made to the card you have chosen at any given time. Now if you want to make payments through Google Wallet you just have to add it as any other since as I said before the Curve card is supported by Google Wallet. Every time you use Google Wallet to pay with the Curve card, the charge is made to the card you have associated. Here more info about the Curve card and here with an explanatory video.
Although I consider that the great advantage is that you can use the card with non-compatible banks, the Curve card also has other advantages:
You can choose which of your VISA or Mastercard you want to pay with, by using the Curve Mastercard, you no longer need to carry the other cards in your wallet.
You can withdraw money from any ATM without commission (up to 10 times a month).
If you are traveling, you can withdraw money from any international ATM without commission (up to £200 / €220) and you can also pay in foreign currency without commission (up to £500 / €550 per month).
If you lose it, you can block the card instantly from the mobile app.
The card is free, you don't pay anything for registration or maintenance, and they don't charge commissions for making payments with it.
Steps to link your card to the Curve card, and then add it to Google Wallet.
Follow the steps to open a free account on curve here.
Now to add it to Google Wallet, open Google Waller on the watch.
Tap "Add card" and the setup will continue on the phone.
Tap on the card already set up on the phone, or "Add a new card" if it had not yet been set up on the phone.
Click "Enter details manually" to enter your card number, CVC and validity date.
Enter your billing address and phone number, then press "Save".
Read and accept the "Issuer Terms and Conditions".
Finally, you will have to choose a verification system for the bank to verify your identity. By default, the SMS option is checked, so make sure your number is correct and continue. When you receive the message, enter the code and that's it, you will have the card configured in the watch.
Note: When paying for a purchase, if Contactless payment asks you for a PIN, always enter the one you have with the bank card, not the unlock code of the watch.
Thanks for the information.
i'm checking the curve page and it looks that they have several credit cards with a monthly subscription and just one that is free, but you have to pay a card delivery fee (4,99€).
@bernarbernuli Is there any way to have it complete free?
dpecha said:
Thanks for the information.
i'm checking the curve page and it looks that they have several credit cards with a monthly subscription and just one that is free, but you have to pay a card delivery fee (4,99€).
@bernarbernuli Is there any way to have it complete free?
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Yes, google discount codes for Curve, very interesting coupons often come up, keep an eye out for a few days, and you'll probably find something.
Hi, I have a maestro debit card and my Italian bank is not supported by Google Pay. I downloaded Curve but unfortunately it does not accept maestro cards. Is there any alternative? A thousand thanks.
I use curve and revolut.
You can setup an auto top up on revolut from any debit or credit card too.
But curve is a more "direct" method, you don't have to actually put money in there.
Shebee said:
I use curve and revolut.
You can setup an auto top up on revolut from any debit or credit card too.
But curve is a more "direct" method, you don't have to actually put money in there.
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Hi, I tried to add my master card on curve but it tells me it is not supported. Can I do the same thing on revolut as on Curvé or do I have to load the account and use it as if it were a prepaid card? Thank you.

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