Google Wallet vs QKSMS

Google has a partnership with Bancorp Bank that issues a Virtual Card to Google Wallet users that works as an intermediary between customer's card and merchant. It gives more choice in terms of compatible cards and works as a card fraud mitigation technique.

All verified unauthorized transactions reported within 120 days of the transaction are completely refunded.

In case a phone is lost or stolen no access to actual credit card information can be gained.

4-digit PIN that has to be entered before any transaction can take place adds secondary authentication and makes sure that nothing gets bought by accident.

When a new sms is received, a window will pop up that has the message and allows answering it from there, without having to open the app. It can be dismissed by tapping anywhere else on the screen.

Users can set different notification settings per user as an easy way to know who is messaging without having to look at the actual message.

Users can communicate with large groups at the same time due to the included group messaging feature. This is convenient when trying to synchronize with friends or colleagues.

While QKSMS is one of the younger apps, the developer is quickly adding features/fixing bugs.

The app is available for free with an optional donation IAP that ranges from $1-$10.

Responsive, highly customizable Material Design interface makes for a native looking app that fits in well with Google's UI design guidelines.

Through delayed messaging one can set it up so that a message is not sent automatically. This can help for those times that it may be best to think something over before sending out a rash message.

There are light and dark themes available within the settings which can be switched depending on how light it is around one when using the app. The dark theme can also help to conserve battery when being used as not as much brightness and hence battery will be used.

Users can schedule messages to be sent for later.

Those that own an Android Wear device will be able to set it to receive their messages on the Android Wear device making for convenient notifications and easy messaging through not having to take their phone out.