Quote:
Originally Posted by Meraki
They won't have a "comprehensive database on the back end to avoid fraud" because they're using mobile phones instead of plastic cards? 
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The two payment methods use entirely different concepts:
Compass cards "store" value - you preload money into the card using the web site or a Compass vending machine. So Translink needs to confirm that the value stored in the card was actually paid for to make sure you didn't somehow hack the card to increase its balance.
Phone transactions are just a way for you to authorize Translink to transfer money from your credit or your own funds stored elsewhere. If fraud happens, it's going to hurt you, not Translink.