Earlier quoted context omitted.
You don't even need the contactless credit card reader. ISO 15118 is the standard for plug and charge.[1] Tesla implements it, as do most other EV manufacturers. The problem is that charging networks and manufacturers haven't settled on a way to exchange and update certificates.[2] 1. https://en.wikipedia.org/wiki/ISO_15118 2. https://www.theverge.com/2024/12/4/24312002/ev-plug-and-char...
Tesla doesn't use the ISO standard for plug&charge, they have their own custom implementation.
The issue is that the ISO standard relies on TLS certificates, but manufacturers and charging networks have not yet agreed upon a standard set of CAs. Tesla wants to update the standard to remove the TLS requirement, which would improve reliability and time to start charging. But signed metering receipts are broken in the existing standard, so that needs to be fixed before the TLS requirement can be removed.
1. See page 3 of https://efiling.energy.ca.gov/GetDocument.aspx?tn=256283