Earlier quoted context omitted.
> Using a phone to pay for stuff is an opsec nightmare Do you mean "privacy nightmare"? Security-wise, Google Pay beats using your physical card since it uses a device-specific number that can't be skimmed by terminals and reused online. > the custom rom is still far more valuable from a security perspective than bending the knee to some bespoke ecosystem payment app (especially if you have an older device.) I'd argu…
AFAIK it only beats magnetic stripe cards, not EMV chip cards
Skimmers would need a way to also learn the CVC2 from the back of the card to use it at most (but not all!) online merchants, but that's feasible using a small camera or a waiter/cashier accomplice doing the skimming.
With Google Pay and Apple Pay, and similar mobile wallets, that number is never shared during payments (and in fact not even stored on the device).