Why Tap on Mobile Makes Payments Integration Easier

Here are four reasons why the use of tap on mobile has made payments integration easier.

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From paying with cash to paying with cards to paying with our mobile devices, the world has surely witnessed many changes throughout the years, and we, somehow, still have managed to adjust to every single one of them with much optimism. Tap on mobile payments has become the preferred method of payment by a large number of the population, and there are many reasons why we will continue to see people opt for this method of payment. Here are some of the reasons why the use of tap on mobile has made payments integration easier.

It is very simple and efficient

When it comes to physical cards, technical issues can sometimes occur when customers try to make payments by swiping/tapping the card in the credit card reader. The credit card machine/reader might not be able to recognize it at first, and it might require the customer to check if the card contains some sort of dirt or if it is damaged before trying to swipe/tap it again. If the card is indeed damaged, then the customer is required to reach his card issuer right away to get a replacement card. This process itself can be very inconvenient for a customer that may need to make a payment right away, but unlike with physical cards, the card information that is stored on a mobile device does not share the same risk of becoming damaged because such information is saved digitally and not physically.

It is time-saving

One of the reasons why customers find this method of payment through mobile devices to be very convenient is because the process itself is time-saving. When it comes to making payments with a regular credit/debit card, the customer first must take out his/her card, then swipe it or tap it in the credit card machine/reader and then input his/her pin number (which is required for authentication purposes). Once a payment has been approved, the customer may be required by the merchant to provide a signature through the credit card machine, which confirms the customer is the one that made the payment (unless your card has the security chip included and, if that is the case, his/her signature is most likely not required) and the transaction will then be finalized.

In contrast to this, making a payment through the use of mobile devices can be much faster than using credit cards. The customer only needs to open the required application on their phone, which already has his/her credit card information saved, and directly tap the mobile device to the merchant’s tap on mobile machine and automatically, the amount of the payment will be deducted. This entire process can take just a second to achieve, and it is why the customer values it even more.

It provides a special level of security 

One of the downsides of having a credit/debit card is the fact that the user can lose the card or have it stolen at any time. If the card is taken by an unauthorized person, he/she can easily use the card to make as many purchases as he/she wants in many different locations, and the only way one is able to truly stop this is by directly contacting the bank immediately and alerting them of the situation. Thankfully, the bank is able to cancel the card (which prevents further fraudulent transactions from taking place), and they are able to provide the customer with a new credit/debit card right away.

In the event that a mobile device (which happened to have stored credit card information) was stolen, it is still very unlikely that the credit card information itself will be compromised. The main reason is that, in order to reach this credit card information, the perpetrator must first unlock the phone and that itself can be very difficult to achieve. To unlock the mobile device, the user’s passcode combination is required and if the perpetrator does not know it, then he/she will not be able to get the credit card information saved in the device.

Contactless transactions ensure protection of both consumers and merchants against the spread of diseases (such as COVID-19)

Now, more than ever, the public is aware of how dangerous a virus such as COVID-19 can be. Becoming infected by COVID-19 became possible through many forms, one of them being having direct contact with someone who is already carrying the virus. Since it was crucial for the public to buy their essentials every day, the tap on mobile method of payment became the best option for them to make this possible. This method of payment allows a person to make any payment possible without having direct contact with another person, and by doing so, both (consumer and merchant) are protected against the spread of a disease (such as COVID-19), as well as any other diseases that are contagious through close contact or diseases that could appear in the near future. By being able to make a payment through our mobile device, we are protecting both consumers and merchants, and this is one of the positive aspects of this method of payment.

Final thought: A cashless society – is it a possibility?

Technology has evolved at such a rapid pace that people nowadays have grown very fond of new innovations or what is currently being created, and it is mainly because these innovations are making life much more simple. For many of those who are currently using their mobile devices to make payments (instead of using cash or credit cards), life has become incredibly easier, and just going back to utilizing previous payment methods once used can be considered very “inconvenient” for many to do.

Do not get me wrong. People still use cash and credit/debit cards to make payments, and chances are that we will continue to opt for this method of payments in the years to come, but we cannot say, with certainty, that this method of payment will be with us in the next 50 years or so because it is definitely possible that it may not. If the use of making payments with the help of mobile devices continues to grow, then it is very likely that soon the entire world will choose this method of payment as their preferred one and, by doing so, could easily make cash and credit cards a thing of the past.

A cashless society is definitely a possibility, but again, it is something that will not appear right away. For now, it is up to us to decide whether or not we are able to embrace a method of payment such as the Tap on Mobile payment method, as it can easily have the power to change many aspects of our daily lives.


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Andrea Z. Chavez graduated with a Bachelor of Science in Criminal Justice from John Jay College of Criminal Justice. She continued her education at Fordham University where she received her Masters of Science in Cybersecurity. She is one of the 66 final recipients of this year’s Security Training Scholarship provided by WiCyS, SANS, Google, Meta, Bloomberg and Craig Newmark Philanthropies. She currently serves as the affiliate secretary of WiCyS – NY Metro Chapter. Her future plans include pursuing her doctorate degree, opening her own organization with the aim of advancing Latinas in the field of Cybersecurity and officially publishing two books which she is currently working on. She is a proud member of Women Who Code since 2018 and is currently serving as a general volunteer of Women Who Code – Python Track.