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Why using Mobile Pay is more important than ever



Several months ago I wrote a blog post about the wonders of Mobile Pay. I feel it’s important to bring it back up now as the threat of COVID-19 doesn’t seem like it’s going anywhere anytime soon, and we all need to do what we can to avoid contact with other people.

As with most concerns around the transmission of COVID-19 there are conflicting opinions as to how easily the virus can be transmitted via cash and coin. This bulletin from the Swedish Bank of International Settlements states that “the probability of transmission via banknotes is low when compared with other frequently-touched objects”. One of those objects mentioned in the article was plastic (credit cards). While this article from Reuters states that the US Federal Reserve is temporarily quarantining currency being brought back from Asian countries. So, like most questions about COVID-19, we don’t really know for sure and I’m of the opinion that it’s better to be safe than sorry.

Besides, cash is gross anyway. This article from CBS News explains that 4 out of 5 dollar bills carries trace amounts of cocaine and can harbor all kinds of fun bacteria including methicillin-resistant Staphylococcus aureus (MRSA)!

Not to mention there is a coin shortage in the US right now and many retailers are beginning to ask their patrons to pay with exact change or credit.

Listen, I’m not rallying against the good old American dollar bill or anything but there are many upsides to switching to mobile pay options for the foreseeable future. I explained in the previous blog post that using your phone for payment is actually more secure in most cases than using a credit card so I won’t go into that here but I do strongly recommend you read that post if you are hesitant.

For merchants that accept Mobile Pay, your payment transaction is touch-free. You take out your phone, authorize it to make a payment, and hold it near the reader (it doesn’t even need to make contact with the reader). That’s it.

Many stores have implemented order ahead capabilities in their apps as well and that’s even better. My wife will order all of our groceries through various store’s apps and time it so they are all ready at roughly the same time (she is a wizard at this) so we just hop in the truck and drive from store to store, letting the employees load up our bags in the back for us. Walmart, Target, HyVee, Aldi etc. It’s kind of the royal treatment but it’s also totally contactless. All of our items have been paid for before we even arrive.

All any of us can do is try to keep ourselves and our families safe in this craziness that is 2020 and using Mobile Pay is just one more small precaution to try and do just that.

Please send us an email at contact@ownitzone.com if you need help setting up Mobile Pay on your device and let me know if there’s anything tech related that you would like me to write about in a future blog at josh@ownitzone.com.

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