Stay away from mobile payments.
Mobile payments are starting to take off, especially in Europe and Asia, and consumers should be wary. The problem with mobile payments is that they are often simply added to your mobile phone bill, and if you find a suspicious charge, your liability will vary from carrier to carrier. In contrast, if a hacker gets your credit card number and goes on a spending spree, under federal law, your maximum liability for credit card fraud is $50. In other words, credit card fraud is not your problem, it’s the bank’s. Until you have that level of protection for mobile payments, it’s probably smarter and safer to stick with the credit card.