[gruez]

>It is just better in my experience.

>You just scan a QR code and pay.

Tap to pay (ie. NFC) with credit cards is as convenient and arguably more convenient than a QR code solution. At the very least you don't have to worry about aiming at the QR code and waiting for it to scan/focus, which is especially important if you're using it on transit systems.

[vitorbaptistaa]

Pix already has tap to pay [1]. However it's still a recent adition (a few months), so most card machines still don't support it (AFAIK).

Once this is widespread, then the only reasons to use credit will be cashback/points or paying in credit.

[1] https://www.gov.br/secom/pt-br/assuntos/noticias/2025/02/pix...

[vitorgrs]

Most card machines support it. The PoS just need to accept Google Pay and it will accept it.

[ozgrakkurt]

Still prefer a debit card for this, credit aspect just hasn’t been of any use to me so far. And I see people getting into problem because of credit cards a lot.

[vitorgrs]

You can use Tap to Pay with Pix. Although only Google Pay support Pix solution. Apple Pay is refusing because... fees.

[kevin_thibedeau]

This also doesn't require functional cell service.

[marcosdumay]

Tap to pay leaves you at the mercy of all the usual bullshit credit card processors impose.

What means that if you have a very normal behavior, yes, it's more convenient. If you deviate from the norm in any way, it's an unreliable piece of shit that will leave you hanging without money the moment you need it most.

And as deviant people drop out of that system, the bar for deviance gets lower and lower.

[gruez]

>Tap to pay leaves you at the mercy of all the usual bullshit credit card processors impose.

1. "Tap to pay" refers to a technology, specifically NFC communications. Anyone can use it, not just "credit card processors". For instance, many transit agencies also use NFC for their passes/tickets, and those obviously aren't being intermediated by "credit card processors".

2. Any sort of centralized system will be susceptible to "all the usual bullshit credit card processors impose". At least with credit card companies there's theoretically a degree of independence from the government. A government run payments system, staffed by government appointed cronies would be even more susceptible to government pressure to block certain groups.