Current Events > Do you have contactless card payments in the US yet?

(+) Yeah! (+)

Been a thing in the UK for ages now. We've had chip and pin since about 2001 as well. I was surprised when I went to the US 5 years ago they were still taking signatures for some card payments. Mental.
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contactless is so great

i do most of my purchases through touch ID on my phone
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We actually did have contactless payment but it died off. Cards used to be equipped with RFIDs in them but banks stopped issuing them, I guess because the RF signals they sent off were unencrypted (criminals could just walk around with a laptop and an RFID scanner and swipe credit card data in public spaces).

Contactless payment is still accepted here but only by NFC devices now (like Apple Pay).

Chipped cards are basically mandatory here now but signatures are usually still required for high value purchases (over $50). The only places that don't have to use chips are gas station pumps (some places still enforce swiping but it's at their own risk as banks will not insure any funds taken from a swiped card unless it's a gas station pump).
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Apple pay/Google wallet/etc. Been a thing for a few years but it's kind of a pain to update registers to accept them (like I work fast food, no chip reader and nobody knows how to do apple pay since they don't train us)
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Blue_Dream87 posted...

Apple pay/Google wallet/etc. Been a thing for a few years but it's kind of a pain to update registers to accept them (like I work fast food, no chip reader and nobody knows how to do apple pay since they don't train us)

Ah so that's why Apple Pay was so big then. I always wondered why they made a big deal of it when it was basically something we'd already had for over a decade. But if it was brand new in the US then fair enough. Does anyone know if Apple get a cut of the fees?
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Meanwhile, I get behind the old lady in line who's pulling pennies out of her garbage can sized hand bag because "Oh, I just don't want to break a quarter."
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Do britons still write checks at the grocery store

Complete_Idi0t posted...

Do britons still write checks at the grocery store

Don't think so. Only time I get a cheque is from my grandparents for birthdays and christmas money.
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yeah but no one used it so they stopped issuing them. they exist in a couple cards, like this one:

https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
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I just got my credit card with contactless payment.
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_BIueMonk posted...

yeah but no one used it so they stopped issuing them. they exist in a couple cards, like this one:

https://www.americanexpress.com/us/credit-cards/card/hilton-honors/

Does everyone accept AmEx in the US? In the UK and Europe you often get places that don't accept AmEx for some reason.
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you know what's truly next-gen technology?

https://en.wikipedia.org/wiki/MobilePay

MobilePay is an application for phones with operating systems iOS, Android and Windows Phone. By downloading this application, users are required to connect a credit card and account information to their mobile number. Money transfers are performed by entering a mobile phone number which is registered in the system. The funds are then transferred to this account, while the amount is deducted from the sender's credit card.

basically paying just by tapping a few numbers and then confirming with chosen pin on the phone.

i remember one night i was supposed to pay for food but my buddy and i left my home so quickly that i forgot my card and obviously he didn't bring his either... so as a last resort we asked the owner if my buddy could just transfer the money to his phone instead via the app(i didn't bring my phone either) and the owner agreed.

saved us another trip and my buddy was peeved that he had to pay again xd.

so yeah, catch up, world.
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Crepes posted...

Does everyone accept AmEx in the US? In the UK and Europe you often get places that don't accept AmEx for some reason.

no, they charge higher merchant fees so some places dont accept them. in my daily life, only one place i go doesnt accept them, but i live in a big city. its no big deal.

however, they just announced that they're lowering their merchant fees, so this will change.
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Nah it's a terrible idea.
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Knowledge_King posted...

Nah it's a terrible idea.

What do you have against faster more efficient payments?
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Crepes posted...

Knowledge_King posted...

Nah it's a terrible idea.

What do you have against faster more efficient payments?

"da crimnals can use rfid hackers and scan my pockets to get.... uh... the one time use code... that has to verify through a system of checks to even work... wait.. i paid how much for this rfid blocking wallet?!?!?!"
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Crepes posted...

Knowledge_King posted...

Nah it's a terrible idea.

What do you have against faster more efficient payments?

Maybe the faster and easier theft it enables? Security is why it died pretty quickly here.
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charey posted...

Crepes posted...

Knowledge_King posted...

Nah it's a terrible idea.

What do you have against faster more efficient payments?

Maybe the faster and easier theft it enables? Security is why it died pretty quickly here.

Just fear mongering though isn't it? Why didn't the fear cause it to fail in Europe and rest of the world?
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charey posted...

Crepes posted...

Knowledge_King posted...

Nah it's a terrible idea.

What do you have against faster more efficient payments?

Maybe the faster and easier theft it enables? Security is why it died pretty quickly here.

it didn't die cuz of security. its very secure. the credit card number is generated upon use for that particular store and purchase and is good for one use only. if you get your info stolen, it wouldn't work.

it got dropped cuz no one was using it.
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Have you people still yet to learn that crooks are having a field day every time something like this is introduced because you're too lazy to write a check or can't be bothered to carry change?

FairyLeviathan posted...

Have you people still yet to learn that crooks are having a field day every time something like this is introduced because you're too lazy to write a check or can't be bothered to carry change?

Progress is a good thing. I bet you still use windows 7.
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We're moving more towards push a button on your phone to pay.
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Apple Pay is great, wish more places had PoS systems for it

Do apple take a % of the transaction fee?
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Crepes posted...

FairyLeviathan posted...

Have you people still yet to learn that crooks are having a field day every time something like this is introduced because you're too lazy to write a check or can't be bothered to carry change?

Progress is a good thing. I bet you still use windows 7.

I still use Windows 7. Then again I used XP until about 2014, and only upgraded because that machine was ruined in a power surge.
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Nothing wrong with Windows 7
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I'm trying to use my phone more. It's just way more secure
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Imagine using Windows 10 over 7

Crepes posted...

Do apple take a % of the transaction fee?

No, there's no extra fee to use it for either the buyer or seller beyond the regular credit card fees the seller usually pays. I believe some CC companies even charge a lower fee for Apple Pay purchases than a regular inserted or swiped purchase

Crepes posted...

Do apple take a % of the transaction fee?

yes but so do other payment processors (VISA, PayPal, etc)
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I use apple pay whenever it's an option. So nifty.
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FairyLeviathan posted...

Imagine using Windows 10 over 7

Even the nhs and councils in the uk are moving to windows 10 and they are like well behind in everything.
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Crepes posted...

Knowledge_King posted...

Nah it's a terrible idea.

What do you have against faster more efficient payments?

How is taking your phone out, turning it on, waiting for it to boot up, and opening the app faster than pulling out a card and swiping it?

CharlesBronson posted...

Crepes posted...

Knowledge_King posted...

Nah it's a terrible idea.

What do you have against faster more efficient payments?

How is taking your phone out, turning it on, waiting for it to boot up, and opening the app faster than pulling out a card and swiping it?

Its not. Im talking about contactless cards. No Apple Pay.
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the capital one quicksilver card has a contactless chip, the quicksilver one card does not.