nope you can just tap your phone on the seller's phone: https://squareup.com/help/us/en/article/7786-get-started-wit...
Same way you can tap your credit card on their phone to pay them. It's the same protocol, just with biometrics on the buyer's phone so the limit is $50k instead of $10k
still need a credit card? or what if the vendor using a andriod phone and the buyer using an iphone want to useapple pay?
i see no better than a phone(any phone) + payment app + qr code. no need to carry the credit card.
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