Originally Posted by
mikesyr18
Bank of America, for example, I know doesn't send immediate push notifications. One of the local credit unions I use doesn't either. The SMS messages... Same idea, usually not an immediate response when the card is used.
Even then, what's going to stop the cashier from doing online shopping or cloning your card?
SMS from Wells Fargo is immediate. Amex is the only issuer I have that does push notifications via Apple Wallet for all (not just Apple Pay) transactions, but I can get push notifications via apps from other issuers. Either method, it doesn't matter how the card is entered: EMV, tap, swipe, manual, web form. Notifications come pretty instantly one way or another.
I don't have any cards from BofA or Barclays.