A stolen card can be used for tap to pay, with not all transactions requiring a PIN with a card. A stolen phone cannot if they don’t have your phone’s PIN or biometrics.
And most phone tap-to-pay apps will also randomize your card data in the transaction to prevent your information from being tracked or compromised in the event of a large-scale data breach, like what happened with Target in 2013 and hundreds of retailers since.
It is admittedly more secure.
A stolen card can be used for tap to pay, with not all transactions requiring a PIN with a card. A stolen phone cannot if they don’t have your phone’s PIN or biometrics.
And most phone tap-to-pay apps will also randomize your card data in the transaction to prevent your information from being tracked or compromised in the event of a large-scale data breach, like what happened with Target in 2013 and hundreds of retailers since.