Dogs_R_Us
Space Traveller
I don’t have any financial capability on my phone. It’s always unlocked. I have cards or cash.So the fee for inserting or tapping the debit card are both the same (22c), but if your debit card is in the digital wallet in your phone it's always a credit transaction. I think because it doesn't ask for your PIN because having the device unlocked is the security.
Physical credit card will always be .77% regardless of tap or insert






