Seems like a similar concept to the old swipe debit cards.
[QUOTE=RoboChimp;52752208]Seems like a similar concept to the old swipe debit cards.[/QUOTE]
meanwhile all (or the vast majority) of the united states still swipes their debit cards
[QUOTE=Mobon1;52752284]meanwhile all (or the vast majority) of the united states still swipes their debit cards[/QUOTE]
We've had pretty widespread adoption of chip readers in the states, we're just still in the swipe grace period atm
[QUOTE=No Party Hats;52752290]We've had pretty widespread adoption of chip readers in the states, we're just still in the swipe grace period atm[/QUOTE]
And I hate them. I can swipe-and-type five or six times in the time it takes to read that damn chip. Give me the choice I'll swipe every time. And then half the time it quizzes me for my PIN and zip and sig anyway.
They need to speed the chip read process up.
[QUOTE=TestECull;52752314]And I hate them. I can swipe-and-type five or six times in the time it takes to read that damn chip. Give me the choice I'll swipe every time. And then half the time it quizzes me for my PIN and zip and sig anyway.
They need to speed the chip read process up.[/QUOTE]
The Netherlands got chip read about everywhere and it reads instantly. Not sure if your card is just defect or the machines are just slow. I mean i pay with my phone everywhere nowadays since its much easier.
The US still uses magnetic strips? I think I've only ever used the swipe once or twice when I first got a card, I mostly use paypass and chip. Do you guys even have Paypass and all that yet :v:?
[QUOTE=darth-veger;52752326]The Netherlands got chip read about everywhere and it reads instantly. Not sure if your card is just defect or the machines are just slow. I mean i pay with my phone everywhere nowadays since its much easier.[/QUOTE]
Could be the network there, I know the chip readers in my town are slow as fuck because we have terrible network infrastructure that also sometimes goes down resulting in the card readers not working at all.
I just wanna pipe in to confirm some lighting fast chip reading technology over here too. Americans need to get their shit together. You guys have drive through ATM's but still have to type swipe your card? Shameful.
[QUOTE=Mobon1;52752284]meanwhile all (or the vast majority) of the united states still swipes their debit cards[/QUOTE]
Holy shit, what, I've literally never even seen a swipe reader.
Is this the case in huge cities in the States?
i used the same thing when i was in elementary school and i did the same exact stuff p much
Do you have contactless over there yet?
most places in the us has swipe the card and pin, chip, and (growing more popular because of iphone and android) NFC.
alot of small store owners get dumb around NFC because they think they get charged extra and will get mad at anyone who uses it despite the fact they accept it then cancel the order and redo it. they don't realize that apple pays the differences when using nfc
[QUOTE=Mobon1;52752284]meanwhile all (or the vast majority) of the united states still swipes their debit cards[/QUOTE]
The majority of card readers I see also have a little cardboard insert to let you know the chip-reader section is down for some reason.
[QUOTE=darth-veger;52752326]The Netherlands got chip read about everywhere and it reads instantly. Not sure if your card is just defect or the machines are just slow. I mean i pay with my phone everywhere nowadays since its much easier.[/QUOTE]
We definitely need the faster scanners. Its a good 30-45 seconds to read the chip in my card whereas it only takes me 5-10 to swipe and type.
Also, phone payment sounds like a great way to fuck myself over. I'll stick to a debit card and/or physical cash.
In small cities, sometimes business will just use those swipe readers you can get for an iphone. There are pizza places that still only take cash too.
Also, dammit I was gunna get one of those machines but they're way pricier than I imagined. Not quite worth the novelty haha.
[QUOTE=TestECull;52752740]We definitely need the faster scanners. Its a good 30-45 seconds to read the chip in my card whereas it only takes me 5-10 to swipe and type.
Also, phone payment sounds like a great way to fuck myself over. I'll stick to a debit card and/or physical cash.[/QUOTE]
I think 30-45 is a little hyperbolic, usually it takes around 15 seconds for the one at my grocery store to process a chip. The only other place I use it often is Subway, but that can definitely take up to 30 seconds sometimes.
I'd guess it's because in a lot of systems, the CC machines actually use the telephone network, rather than broadband. (at least that's how it worked at the place I interned at 3 years ago when I worked behind the front desk)
[QUOTE=Zombii;52752834]I think 30-45 is a little hyperbolic, usually it takes around 15 seconds for the one at my grocery store to process a chip. The only other place I use it often is Subway, but that can definitely take up to 30 seconds sometimes.
I'd guess it's because in a lot of systems, the CC machines actually use the telephone network, rather than broadband. (at least that's how it worked at the place I interned at 3 years ago when I worked behind the front desk)[/QUOTE]
I wish it was hyperbolic, but it isnt. Worst offender is WalMart by far, I've had the chip readers there take up to 2 minutes on a bad day.
[QUOTE=halfer;52752689]Holy shit, what, I've literally never even seen a swipe reader.
Is this the case in huge cities in the States?[/QUOTE]
I got a chip before my parents and I've only been able to use it like 3 times. Swiping is the norm in my town.
God damn this machine is some janky cool tech
[QUOTE=Mobon1;52752284]meanwhile all (or the vast majority) of the united states still swipes their debit cards[/QUOTE]
Thats funny, just today I was checking some settings on my bank's website and I saw an option to enable the magnetic bar on my card for a limited time "for use in foreign countries". There was a small explanatory paragraph that said that all credit machines in poland already has already been using chips for years and that the feature is for traveling to other countries.
When I wondered which countries countries could be more technologically backwater then poland I thought that maybe maybe somewhere like moldova or somewhere in the balans you would have to use the magnetic bar but nope, never change USA.
california here, chip is everywhere. most of them take about 10 seconds to work
[QUOTE=TestECull;52752314]And I hate them. I can swipe-and-type five or six times in the time it takes to read that damn chip. Give me the choice I'll swipe every time. And then half the time it quizzes me for my PIN and zip and sig anyway.
They need to speed the chip read process up.[/QUOTE]
I have never noticed an appreciable difference in time between swiping versus chip.
[editline]6th October 2017[/editline]
Also Baby Driver is a good movie and it's cool that they actually used a product like this.
[QUOTE=Whomobile;52752341]The US still uses magnetic strips? I think I've only ever used the swipe once or twice when I first got a card, I mostly use paypass and chip. Do you guys even have Paypass and all that yet :v:?[/QUOTE]
I've never even heard of "paypass".
Does tap payment not exist elsewhere?
Pretty much in the UK contactless is the standard now, 95% of card readers I come across in shops use contactless so 99% of my purchases in shops are with android pay
It's a way of life to me now lmao
[QUOTE=WillerinV1.02;52752374]I just wanna pipe in to confirm some lighting fast chip reading technology over here too. Americans need to get their shit together. You guys have drive through ATM's but still have to type swipe your card? Shameful.[/QUOTE]
It is more complicated than it seems and is, admittedly weirdly, because American consumer protection is stronger in this one instance.
Americans are apparently legally protected much more effectively than Europeans and Australians when it comes to being liable for charges made on their card without their authorization. To reinforce this, Credit card companies are able to shift the cost of fraudulent charges onto the retailers, rather than having to eat the costs themselves.
The chip and pin shit hit other countries so quickly because it allowed the companies to shift blame to the consumer for information being stolen and potentially protect themselves legally.
Meanwhile the US rejected that reasoning, which in turn offered limited motivation for adopting the chips when coupled with the fact that the credit card companies could shift the costs of fraud to retailers.
Finally the Obama administration stepped in and told the credit card companies to quit fucking around and update everything.
It is strange to me how smug some of you are coming across about a payment method and its rate of adoption. The US is a huge country in terms of size and population compared to most individual European countries, these things don't become ubiquitous overnight. Regardless, I can't remember the last time I went to pay and they didn't have a chip reader.
[QUOTE=dustyjo;52753219]I've never even heard of "paypass".[/QUOTE]
Paypass is what Mastercard call their implementation of NFC payment, paywave is Visa's and there's a bunch of general names too, "Tap and Go", tap payment, contactless payment, NFC, whatever.
[QUOTE=TacticalBacon;52753859]Paypass is what Mastercard call their implementation of NFC payment, paywave is Visa's and there's a bunch of general names too, "Tap and Go", tap payment, contactless payment, NFC, whatever.[/QUOTE]
Oh, that. Yeah I don't have a tap card, though I've used android pay a couple times at like the 2 stores that accept it.
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