• Contactless cards are just catching on in the US, years after rest of world
    127 replies, posted
Also Visa and Mastercard are the most common, so you probably won't run into a situation where its not accepted. Ironically, I've run into more situations where Visa isn't accepted.
I remember getting a new debit card issued a few years back, maybe 2013 or 2014 and being disappointed that it hadn't been issued with contactless because it was a widely used thing at that point every contactless card has a top limit of £30
Wait, what? Cards don't need to be swiped or inserted in other countries? I've literally never heard of this before.
NFC, so basically.
My work decided to buy NFC terminals. And disable the NFC part of it. And to this day I still don't understand the logic behind it. Just by non-nfc terminals.
Probably because if they want to, they can just enable it later. And possibly now, non-NFC terminals are probably harder to come by. A few years ago, back when Apple Pay first came out, they turned off NFC specifically to thwart Apple Pay. Because they wanted you to use their contactless system, which used QR codes.
Most people here in Sweden have been using contactless cards for a couple of years at least. Then again we're like the top country who use cards the most, cash is a very rare sight.
In America the punishment for a retailer to leak CC numbers is a slap on the wrist so no one bothers to update cash registers with NFC readers. American Banks switched to contactless payment the same time as Europe but those cards died off after a year since no retailers accepted them
This was pretty interesting, seems like basically anyone could print out a QR code and slap it on their taxi, food cart, etc. You just scan it and type the price in and then show them that the transaction went through okay. One of the reasons that works though is because everybody uses a Tencent app called WeChat to do it, and you can fuckin bet that the government is tracking that shit.
yeah the rollout is almost exclusively thanks to the Chinese government wanting more control over payments instead of going through American companies.
I'm in Los Angeles, I only started seeing contactless show up widespread basically after it was made a legal requirement I think the places here have contactless payment but honestly I have never seen anyone pay that way, the closest I've gotten is with my phone's NFC. SUPPOSEDLY my wells fargo credit card has contactless payment, but I have tried using it before and it didn't seem to work, so I'm not sure about that. I remember hearing at the time that places overseas had had it for decades at that point, but even now a lot of places have broken chip readers so you have to swipe anyway. By and large most of the payments i make are chip and pin though
I've been paying contactless for at *least* 5 years. How is America so behind on this?
It's weird because my work doesn't have their own pay system outside of gift cards. Is there like a fee or something for using NFC they might want to avoid? Because I can't think of a reason to not have it on if you have the machines for it.
The technology to skim cards with magstrips has existed even longer and has reached the point you cannot even tell it's not the real reader unless you physically check the reader and the pin pad. Chip is significantly more secure.
It annoys me when I go to the us because the amount of card readers that have NFC but don't work when I try are infuriating.
I work at Lowes (specifically my store, not other Lowes stores). Credit Card only works with Chip unless the card doesn't have a chip. Debit card is ALWAYS swipe even if it has a chip. If you put the chip in it's gonna tell you to swipe. I have to repeat "Insert for credit, Swipe for debit" to every single customer and they still don't get it right. I don't know why the fuck you're required to swipe for debit on our machines.
what the fuck is a contactless transaction?? t. stupid american
Wait you guys got rid of the raised lettering? How are visually impaired people supposed to read their cards??
I really enjoyed being able to catch the tube in London by tagging on and off with a credit card. I think NSW has rolled it out now, just waiting for it to come to my state one day
We got terminals that support swipe and contactless at my job. There's a slot for chip but for some unknowable reason they never enabled that functionality. So I need to tell everyone "Please swipe, chip doesn't work." People never listen. I sometimes need to reach over the counter, grab it out of the chip slot, and then swipe it because people can't listen.
The main advantage of NFC over RFID is to do with power consumption or something like that I think. I'm really surprised to hear America doesn't use this already. In the UK, you can do contactless up to £30, but you need to put your pin number in if you are authorising a transaction of more than £30.
https://files.facepunch.com/forum/upload/107090/1009ab91-95d9-43ae-98ee-f357502f714a/IMG_0661.JPG Y'all are making me feel ancient
The only reason to have that much cash is that you're an international drug trafficker. I'm onto you!
It is stupid fast how a contactless payment goes through. When I go to the pharmacy, my payment is done before they even know what hit them. With a chip, it takes like 20 seconds or more depending on how fast you are punching in a pin.
I tried finding on my credit union's website any kind of mention of getting a debit card with raised lettering for the visually-impaired and couldn't find any, but I imagine that going to a branch in-person would get you sorted out. Although I'm gonna guess that it might not be as easy as instant as the regular process they have for issuing/replacing new debit cards with flat faces. On the other hand, Canada's money does have braille with the bill's value on our bills, both the current polymer bills and the last few ragpaper series, and our coins have distinct edges and sizes for distinguishing by touch. Also I'm not sure what you're on about with vending machines but up here at least vending machines have given back correct change even if you slip a $20 in for like 20 years. (Slip a 50 in and it'll probably reject it unless it's a vending machine that sells Blu-Rays or something.) Especially since I'm not sure how you expect the visually-impaired to see what item is in slot B2, or its purchase price, before they purchase it, unless they've had someone truthfully guide or tell them.
I usually carry no money on me. If I go to a store that has a high eftpos requirement/no eftpos at all I end up just looking for an ATM. If the ATM is with my bank, I don't even need to get my card out, everything is on my phone
even though you guys may think that we're catching up, a lot of retailers here sometimes put tape over the chip reader because they don't take chips and want you to swipe instead
I mention vending machines because back in 2002 when the American Council of the Blind sued the US Treasury to add features to let blind people identify their currency without needing a sighted person or expensive note reading gizmo to help them, the Bush Administration's Treasurer countered that it would cost them too much money to start producing bills of different designs, and burden the vending and change machine industry by necessitating more complex and expensive machines that could handle bills of different sizes. It was not until 2008 that a Judge finally shut down the Treasury's bullshit and told them that they had to redesign all bills to include features to help the blind, and none of those redesigns have yet been finalised or released. https://usatoday30.usatoday.com/news/washington/2006-12-12-currency-redesign_x.htm COURT SAYS NEXT GEN CURRENCY MUST BE ACCESSIBLE TO THE BLIND
Booping the side of the card machines with my phone never gets boring
Here if you have a chip, the reader straight up declines the card, saying you should be inserting it Good security
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