Doesn't Google Pay offload some of the processing to their cloud?
Google Pay only allows a certain number of offline transactions (around three or so, I think) before I'm required to turn off airplane mode and authenticate with their servers.
I believe this also allows it to work with more phones, and get around security and possibly also regulatory requirements, since there's less need for a really secure secure enclave on NFC devices.
> Doesn't Google Pay offload some of the processing to their cloud?
Not on a per transaction basis, or you couldn't make any offline payments (i.e. with your phone being offline; the terminal can usually not be offline for Apple or Google Pay in the way that it can for cards). Latency would probably also be too high/variable.
Google Pay only allows a certain number of offline transactions (around three or so, I think) before I'm required to turn off airplane mode and authenticate with their servers.
I believe this also allows it to work with more phones, and get around security and possibly also regulatory requirements, since there's less need for a really secure secure enclave on NFC devices.