Divagante

Samsung pay will be the most difficult one to replace. Basically: there is no FOSS alternative, because any tap-to-pay app has to pay for the licenses for using the cards, and apparently (I wish I knew better) theses licenses also go by country/area. And because it’s banking I can imagine they are not cheap. So, only a big company could you offer that. Anyway, there are some alternatives:

• Many people that switched to GrapheneOS use Curve, a British payment company. They are much better than Google or Samsung in terms of privacy (once you have account you can write them an e-mail for requesting your data not to be used for marketing. At least in my case they answered and confirmed). But they only operate in Europe. And for creating an account you have to go through ID verification. You read that in many cases people are rejected.
• A new thing in its initial steps is Wero. It will offer tap-to-pay, but it is still being rolled out and will operate only in Europe. At present it works only partially in a few countries.
• Garmin users use Quickopay. But this one I even haven’t tried it, as the reviews about reliability are terrible. Maybe with time they improve the app

I only know European option, as I live in Europe. I don’t know if this helps you.

I read that there also are lots of concerns regarding privacy of data. It apparently collects lots of your data and interactions and shares it with third parties for publicity and so. And they’re not transparent at all on this point.

What’s the point of having a European app if it behaves worst than GAFAM?

Anyway, I don’t know how much is rumour, how much is true. Does anybody have more information?