this post was submitted on 06 Aug 2023
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DeGoogle Yourself
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Do not know of any open source alternatives and it is surprising to me there are none. To my understanding, all that is needed as a mobile app that one can store their credit card on (number, expiry, cvc) and have NFC for permission for tap payments. The app should be able to function offline since the payment is done though the NFC, not your phone's internet connection.
It's a bit more complex than that because for contactless payments you don't share the card information with the vendor but an authorization token that need to be verifiable and certifiable by visa or mastercard.
So it needs to be sponsored in a way by visa or mastercard.
How would one go about creating a fully FOSS or mostly FOSS alternative to Google Pay?
One can't. If the corporations who handle your payments don't support your app, it won't work.
But the solution is simple: Don't use software for something that doesn't require it.
Slipping your credit card inside your phone case has the same effect.