• Contactless cards are just catching on in the US, years after rest of world
    127 replies, posted
I can't boop my phone on anything because I rooted it, so now Google throws a hissy whenever I add cards.
Root with magisk? Our bank has their own app which still works, and travel cards are still working on google pay for me
I've seen a few people use contactless cards at my restaurant job. We're located near a hotel so it's probably mostly foreigners using them. I still have to let some customers know that they should use the chip instead of sliding it so it's gonna be weird when contactless becomes more common.
I still have a chip & pin-code card because I'm slow as fuck and haven't seen any efforts to get myself a new card... because my current one expires in just a few months.
If your bank supports Google Pay, that's all you should need. Some banks use their own apps for NFC payments though, and they're all fucking awful.
Actually, it has changed A LOT within the last few years. Most supermarkets at least take credit card (chip and pin or magnetic) now. Some small stores and restaurants also take not only credit card but also contactless payment like iD, Edy, and transportation IC. I would say 70% of my payments are by some sort of electronic money or credit card. Although, it is important to note I have always lived in somewhat urban areas, even back when I was living in the countryside. By the way, it seems like QR code payment has been surging in popularity here lately, both among stores and customers. I am highly skeptical of it though, especially because of its very low security in comparison to credit card or contactless payment.
my bank actually just sent me a new card the other week with this tech honestly it's kind of ridiculous that we're so behind on this somehow and i know of places that still don't even have chip readers implemented yet and are still requiring swiping
I am rooted with Magisk on Pixel 3 stock. My banks MasterCard/MasterPass app sucks (but works), and to top it off my bank loves to flag all my vending machine purchases as fraudulent. It's a damn shame too, I have pretty much every other card on my phone, I just need to virtualize my drivers license and I would be home-free.
I wonder how much of it is that people are so misinformed on how much more secure it is. I had one lady argue with me that chip and PIN is insecure, because all a thief has to do is memorize 4 numbers. Signatures are more secure because then they would have to forge it. ....despite that signatures in NO WAY useful to verify someone's identity. Unless you write it exactly the same every time.
That's how it is here too; but that's implemented reader-side, not card-side, do if the chip reader is disabled for some reason you can still swipe
America has had contactless payments for a long time, it was just never encoded into law and there was never widespread enough adoption to get it to a critical mass with staying power. I had a contactless card six years ago in America. I think many of you forget how segmented and fucking HUGE America is. Also regarding chip and pin: the amount of people with misinformed opinions on this is staggering. Some people claim that all American cards are chip and signature (wrong). Some people think the chips are less secure (obviously wrong). Chip and sig is an issue but it's not nearly as large of an issue as people think. Your physical card being stolen is not a very big deal. You will notice it very quickly and get it canceled before real damage occurs. What banks care about, and what everyone should be concerned about, is card details being stolen without the owner's knowledge, to be used online or cloned onto a fake plastic card. Chips help in this area in two ways: Chip cards cannot be skimmed. Or at least, the chip can't. If the card still has a magstripe, that can be skimmed, but a chip reader cannot be maliciously hacked to exfiltrate card numbers the way a magstripe reader can. The only method of attack is for a skimmer to disable a chip reader, forcing customers to opt for a compromise mag stripe, but this will become less common as mag stripes are less prevalent. Chip cards cannot be cloned. With mag stripes, if you get the card details, you can encode that data into a plastic card you printed, making an effectively identical card without ever having physical access to the card. You can't do this with a chip: the chip contains secret data that is impossible to replicate onto a new card. For these reasons, it's really not a big deal that some cards are chip and sig vs chip and pin. The pin is not what's protecting you; the extremely strong cryptography in the chip is protecting you. Someone can steal your card and go on a spending spree if it's chip and sig, sure, but that's literally the easiest form of fraud to prevent. Chip and sig provides equal protection against skimming and cloning compared to chip and pin, which is really the most important aspect.
Yeah, what Geel said; much like paper voting. We have figured out the majority of the kinks and have laws in place specifically for this. I also really do not what my phone anywhere near my card and vice versa.
Magnetic stripe. We'd swipe it in a reader. Still do in fact, in a lot of places. Especially automated points of sale like fuel pumps and the like.
Does it though? Signatures can be faked fairly easily.
American/New Yorker here. Even in a place as high profile/"rich" as NYC, we're just now starting to get widespread use of contactless/Apple Pay. So much fucking easier, but it's definitely more of a luxury when I get to use it. Yet, the MTA (NYC subway) still has card machines and readers from fucking 1996. I'm dead serious, the touch screens on this thing still have a CRT behind them, constantly break down, and waste a fuckload of time if the screen doesn't work properly.
lmao backwards country. but then again, my CC expired on feburuary and the new one is contactless.
Nordea and Danske Bank work with Google Play, Osuuspankki doesn't and they have their own app (Pivo). Not sure about others.
When I first got a contactless card I was a bit suspicious - I don't like the idea that if someone steals my wallet they can use my card without any sort of security. I asked my bank if I could disable it or replace it with a card that didn't have it and they basically said suck shit, the future is now, deal with it. Since I have to have it I now use it all the time since it's so damn convenient. In any case, if your card gets stolen it's not $50 at the supermarket that you need to worry about but $5000 online purchases, and you'll get the card cancelled before that anyway.
Contactless payments are a fucking godsend on nights out. Now my drunk ass will never have to drop another card reader and piss literally everyone off ever again!.
I remember the police here made a statement a few months back that they had no evidence that anyone actually was skimming cards by just walking up with a contactless terminal and bumping people. That combined with the 200sek limit on transactions without pin is good enough for me. I almost never have cash anymore, and it's getting pretty rare i that i have to take out my card from my wallet. It does mean i can only have one contactless card in my wallet which is a little annoying but transactions are just so much faster, especially for smaller grocery purchases. Compared to contactless, chip + pin is getting into the same category as the old lady with a handful of coins in terms of transaction speed for me.
It works out great, thanks! Now I also have the Nordea Wallet app, which tells me in real-time how I'm spending money. It's great! I am now one step closer to a fully synchronized life without any archaic wallet-like items.
Why do people constantly forget about how large the USA is geographically? You can't just go "beep boop here's contactless cards" and suddenly they show up in every podunk city and town across the country. OP's article compares the US penetration numbers to the U.K. and South Korea of all fucking places. Like what????? South Korea is hardly the size of a single state.
Well you guys have these things called 'states' which function as pseudo-countries so you should be able to roll this shit out about as quickly as we have in Europe. Of course we all know that American states are horrible mismanaged and many are rife with corruption. It's not "America is too big to do X", it's that many American states are too inept or too corrupt to do it.
Could you describe the specific processes by which the corruption and ineptitude of the state governments has led to contactless cards in particular to not be widely adopted in the United States?
Geography has nothing to do with it; Australia was more than fine for the contactless card rollout. It has more to do with the willingness and infrastructure of banks rolling it out.
Tbh even if your card gets stolen the thief is already on amazon buying TVs with your card. You can’t spend more than 30 pounds in the U.K. in a single transaction and usually if your card gets stolen you can call or use your banks website to cancel the card instantly in my experience also, contactless transactions take a good 3 days to clear and if they’re uncleared you can just get the bank to decline them.
To be fair our population is densely concentrated, you only need to roll technology out on the east coast to have most of the population covered by it.
and yet, shitty servos and pubs in the middle of nowhere still have contactless
Somehow I heard a lot of stories from Russians having their cards skimmed through ATMs and such by hackers. Wheres the contradiction? Mind you, Russia, as rest of the world, does not use magstripes at all.
Literally what does geographical size have to do with this? Is contactless payment like some kind of gas that spreads throughout the country, starting at the coasts? Through what mechanism does size slow down the adoption of a payment system? People don't forget how large the US is, they just don't get why that would even be a factor.
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