> Contactless debit cards can be skimmed without being authd too;
nitpicking, but contactless cards as far as I am aware cannot be "skimmed" (a process of copying the information from a magnetic stripe and creating a cloned card). If the payment terminal can handle a chip, it will refuse to downgrade the security. In addition, countries are marked as chip only, which means it's almost impossible to get a bank to authorise a transaction for a card that should have a chip in a country where most readers are chip-capable. And if the card was suddenly used in a non-chip region, any good bank would block it.
All you can do with contactless is relay the signal over the internet, but that introduces delay and can sometimes be detected by the reader.
nitpicking, but contactless cards as far as I am aware cannot be "skimmed" (a process of copying the information from a magnetic stripe and creating a cloned card). If the payment terminal can handle a chip, it will refuse to downgrade the security. In addition, countries are marked as chip only, which means it's almost impossible to get a bank to authorise a transaction for a card that should have a chip in a country where most readers are chip-capable. And if the card was suddenly used in a non-chip region, any good bank would block it.
All you can do with contactless is relay the signal over the internet, but that introduces delay and can sometimes be detected by the reader.