Another IT Meltdown..

[Smart320]

I may be old but do understand tech . Not talking about apple pay, I have my credit card loaded onto my phone , needs a mobile data link or Wi-Fi to activate it , connects to the card issuer not Apple

 

[BIGDOG]

Payment by phone is tons faster than any other method except, maybe, watch.

 

[Ted]

I can use my apple watch - non sim version - without the phone being anwhere near it.
Also the phone doesn’t have to have a connection. Just like a debit/credit card.
The authorisation/connection is done by the card reader.

 

[st13phil]

The authorisation/connection is done by the card reader.

^ This.

A phone using Apple Pay or Google Pay is just presenting a dumb token to the reader device that does all the validation and transaction processing. The only thing the phone needs a connection for is to update its local transaction log associated with the card.

 

[markjay]

Payment by phone is tons faster than any other method except, maybe, watch.

It is no faster than paying by contactless credit or debit card (as long as people take out the card in advance and not rummage through their purse or wallet looking for it while next to the machine).

 

[BTB 500]

It no faster than paying by contactless credit or debit card (as long as people take out the card in advance and not rummage through their purse or wallet looking for it while next to the machine).

Disorganised people can be slow with just about any type of transaction! Cash is generally the worst though with people sorting through coins to look for the correct amount, or the assistant having to provide change.

 

[BIGDOG]

It no faster than paying by contactless credit or debit card (as long as people take out the card in advance and not rummage through their purse or wallet looking for it while next to the machine).

You have spotted the difference.

Most people will have their phone out to check facebook/emails/mbclub/whatever while stuck in the queue behind some old bifta fannying about in front so their payment method as already to hand.

Watch method even faster as there might not even be any need to whip your phone out from your pocket.

Phone is even better for loyalty card scanning as no need to pull 2 cards from a wallet.

Incidentally, women can save a stage in the process as their phone (in the unlikely event that it's not in her hand) can be fished from her handbag and used to pay. Thus avoiding the fishing the purse out, opening the purse, looking for the loyalty card, looking for the debit card, putting them all back again palaver.

 

[Dippo]

I'm always amazed by the people at the supermarket checkout who don't seem to have realised that they will be expected to pay for the goods they've just packed into their bags.

 

[Dryce]

Payment by phone is tons faster than any other method except, maybe, watch.

I don't think so.

I suspect if there is any effect it is that people who pay by phone are more likely to have the means of payment to hand. That's down to habit and not the actual mechanism of payment.

 

[BIGDOG]

I don't think so.

I suspect if there is any effect it is that people who pay by phone are more likely to have the means of payment to hand. That's down to habit and not the actual mechanism of payment.

See 207

Safer than card as well.

 

[st13phil]

Funny story about using Apple Pay:

We were on our way back from France through the Eurotunnel terminal at Coquelles in the early days of UK-issued contactless cards let alone Apple Pay being accepted in France. We picked up a couple of filled rolls and something to drink in the W H Smith store and at the till I asked if their terminal would accept Apple Pay. The French lady manning the till said, "Je ne le crois pas" with a wonderful gallic shrug indicating she wasn't really sure, so I indicated I'd give it a go anyway. On presenting my phone to the terminal there was a reassuring "beep" and the transaction completed successfully. With a wide-eyed look of wonderment on her face the lady behind the till exclaimed, "C'est magique!" and gave me a big grin.

Made my day, that one.

 

[BIGDOG]

Funny story about using Apple Pay:

We were on our way back from France through the Eurotunnel terminal at Coquelles in the early days of UK-issued contactless cards let alone Apple Pay being accepted in France. We picked up a couple of filled rolls and something to drink in the W H Smith store and at the till I asked if their terminal would accept Apple Pay. The French lady manning the till said, "Je ne le crois pas" with a wonderful gallic shrug indicating she wasn't really sure, so I indicated I'd give it a go anyway. On presenting my phone to the terminal there was a reassuring "beep" and the transaction completed successfully. With a wide-eyed look of wonderment on her face the lady behind the till exclaimed, "C'est magique!" and gave me a big grin.

Made my day, that one.

Very similar tale but at a hotel in Ouistreham a few years ago.

Checking out and the Madame presented the cordless terminal, I paid on my watch.

Madame says ‘ah Mr Bond, I have been expecting you’

 

[Petrol Pete]

View attachment 159311

On the plus point the sooner the "cash in hand" people who pay no tax on it are stopped the better....for all of us.

If you think the tiny amount of tax that could be raised by stopping a few dodgy builders using cash money would make any real difference to the treasury fortune think again.

Think Amazon , Google and many other big companies maybe not paying their 'fair share' if you want to fill the coffers.

All of the trades I know take a bit of cash but all also show money through their businesses via card readers and direct bank transfer , even the low level drug dealers have card readers as their customers often don't carry cash

A cashless world will not stop crime . Most big money 'heists' are electronic these days , sawn off shotgun and ladies stocking over the face no longer required.

 

[Petrol Pete]

Mrs BTB and BTB Jnr have just spent a week at a big event in Belgium, here:

Home | Sentower Park | For all your events | Oudsbergen

Sentower Park biedt iedereen de gelegenheid om deel te nemen aan een brede waaier van activiteiten en evenementen in een uniek en moderne evenementenhal. Zo organiseren wij jaarlijks tal van nationale en internationale paardenwedstrijden, maar ook een boxgala, autoshow, landbouwbeurs,.. Je kan...

www.sentowerpark.com

All cashless, but nowhere in the venue takes normal cards. You have to pre-load money onto their own payment card, and anything left at the end of the event is non-refundable!

Great example of not pushing for a cashless society. The Chinese are already doing this to their own people.

 

[Petrol Pete]

I always avoid parking anywhere that payment is asked for - there are plenty of places you don't have to pay .

Not where I live .

 

[Petrol Pete]

Not doubting it exists by any means - and there is a lot of sense in it as a part of payments. What I am doubting is that there a few rich people secretly conspiring to rid society of cash - foil hat time

I also doubt it's a few rich people ,but What make you think it's just a 'few' rich people , why not tens of thousands of them ? and not all necessary wealthy , just wanting to change society to suit them.

I am a long way from a conspiracy theorist , life is too short for that , takes ages to 'research' conspiracies. I probably won't be around long enough for any of them to come 'true' .

I'm spending my money now , cash and card !

 

[Petrol Pete]

Asking for scraps is as bad as popping in to the chippy on the way home from the pub and asking 'Have you got any chips left' -
When they reply 'Yes',
You reply with 'Well it's your fault for cooking too many...'

Getting back into town from a Rugby pi$$ up a few years back we got hungry in our local pub , landlord said chippy still open if you hurry.

I wobbled in and bought ALL of the chips they had 10 minutes before closing, they were happy and everyone in the pub was full. If I remember it was two carrier bags full

 

[Gollom]

I also doubt it's a few rich people ,but What make you think it's just a 'few' rich people , why not tens of thousands of them ? and not all necessary wealthy , just wanting to change society to suit them.

I am a long way from a conspiracy theorist , life is too short for that , takes ages to 'research' conspiracies. I probably won't be around long enough for any of them to come 'true' .

I'm spending my money now , cash and card !

Again, where is the co-ordination for these events. The rich will always want to get richer - but a mass plot to engineer change? I think not