Source: Getty

Top Tech: Stylish Ways to Pay in 2022

There’s no denying cashless payments are predicted to take the lead by 2025.

In a report released by financial technology leader FIS, digital wallets are the fastest growing method of payment and are on track to replace credit cards as Australia’s primary method of payment. The report also denotes Buy Now, Pay Later (BNPL) to increase a predicted 3 per cent in the next three years.

This trend reflects a number of changes happening in the world right now.

The pandemic, for one, has had a colossal impact on the way we interact and pay for things. COVID-19 has been a catalyst for eradicating cash due to basic hygiene reasons.

Technology advancements mean opting for convenience is now easier than ever. Why carry a whole wallet on your night out, when you could simply have access to all your credit and debit cards at the touch of an app?

Embedded finance is slowly revolutionising financial institutions and everyday consumer transactions. Embedded finance is the term that describes the opting of financial services used by a non-financial provider. Whether it be buying a public transport ticket or tonight’s dinner, embedded finance operates seamlessly in the background of everyday consumer transactions.

With this in mind, we take a look at some of the best and most stylish ways you can pay; bar physical cash.

Apple Watch Series 7

Sleek, subtle and effortless, tap and pay for anything with the Apple Watch Series 7. Double click the home button, scroll to choose a card and hold your apple watch within reach of the card reader.

Following a gentle tap and beep, you will know your payment has gone through. A notification will process when the transaction has been confirmed.

The Apple Watch 7 boasts its most advanced display yet with an Always-On Retina display.

Apple Watch Series 7 from A$599.00 | Source: Apple

Fitbit Pay

Not only offering incredible tracking features for your health and fitness goals, Fitbit also allows you to add your credit or debit cards to the Fitbit app. You also have the option to load multiple cards onto the wallet.

Fitbit Pay works in conjunction with Fitbit Charge 4, Fitbit Charge 5, Fitbit Iconic, Fitbit Sense and Fitbit Versa 2 just to name a few. The watch can be used with any participating transit readers that accept contactless credit or debit card payments.

What’s more, when you make a purchase with Fitbit Pay, they earn points or rewards towards your credit or debit card.

Source: Fitbit.


Purewrist is a sleek, contactless-enabled mini card in a bracelet. The Purewrist bracelet is waterproof, so there is no need to take off the bracelet when washing your hands, swimming or showering.

Purewrist payments are accepted everywhere that debit Mastercards can be used. It’s marketed as easier and quicker and doesn’t even need to be charged or use batteries.

What’s more, PurewristGO gives people the option to control the number of funds accessed in the watch- perfect the young teenager wanting their first debit card.

PureWrist is available in a range of colours and a prepaid funding capability in PureWrist GO. Source: Digital Transactions.

Kerv’s Contactless Payment Ring

Can you get any more convenient and subtle than paying via a ring? Just a wave of a hand can finish a tap and go payment. The Kerv Payment Ring is one of the world’s first contactless payment rings and is just the start of the next generation of wearable technology.

The ring utilises similar technology to debit card transactions, to make sure security is just as reliable as a classic debit or master card.

Contactless payment rings mean that comfort and style is not sacrificed for practicality.

Kerv’s contactless payments can be made with the touch of the ring. Source: FinTech Futures.

Google Pay

The original form of contactless payment, Google pay is an in-app payment option. Android Pay uses Near Field Communication (NFC) to make a transaction between the smartphone and the card reader.

Google pay can also be used to receive payments, split bills or send money to another user.

It’s developed with encryption and multiple layers of security to keep the user’s account safe. For example, when paying for an item in-store, the app uses an encrypted number rather than the user’s specific card number, so no personal details are released.

Source: Google Pay

If you’re interested in taking the digital revolution to your fitness journey as well, check out the best fitness workout technology.

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