it still allows payments of less than $80 when the phone is locked and there seems to be no way to disable this! what a major security flaw! edit: you can see the reply below confirms that payments can be made with a locked phone. users should be able to disable this! otherwise anyone can use my phone to make payments of less than $80 and this is an unacceptable security risk! if my phone was stolen, someone could rack up several $80 transactions before i even had time to go home to my PC and disable it. google should know better than this. disappointing!