Slashdot Asks: Which Mobile Payment Service Is Best For You? (qz.com)

Re: Samsung Pay by Anonymous Coward · 2019-01-22 11:48 · Score: 2, Interesting

I don't use any of them and I will resist until I starve.

These companies can not be trusted with the data they collect. I also don't want to miss out on a snack when hungry because my shitty phone's battery goes flat.

If the electronic payment company is also my phone maker it is more likely their phone is shitty especially the battery and that they are making a product that is designed to fail within a short time frame.

None of these companies inspire positive branding terminology such as QUALITY.

Hang on.... by bernywork · 2019-01-22 11:50 · Score: 2

That shit doesn't work?

Isn't Apple / Google / Samsung pay ubiquitous over there?

In Aus even our own banks offer their own apps on devices with NFC in case you don't want to use apple / google / samsung, and they work *everywhere*. Everyone pays on card these days because it's free.

What's the hold up with the deployment?

Hang on, you guys don't even have chip and pin everywhere yet do you...

--
Curiosity was framed; ignorance killed the cat. -- Author unknown

Re:Hang on.... by shilly · 2019-01-22 11:54 · Score: 1

Articles like this remind me of just how weird the US is compared to the rest of the West. And not in a good way. See also: government shutdown.
Re:Hang on.... by chispito · 2019-01-22 12:59 · Score: 1

That shit doesn't work?
Isn't Apple / Google / Samsung pay ubiquitous over there?
In Aus even our own banks offer their own apps on devices with NFC in case you don't want to use apple / google / samsung, and they work *everywhere*. Everyone pays on card these days because it's free.
What's the hold up with the deployment?
Hang on, you guys don't even have chip and pin everywhere yet do you...
Don't worry, cash still works over here just fine.

--
The Daddy casts sleep on the Baby. The Baby resists!
Re:Hang on.... by cas2000 · 2019-01-22 13:48 · Score: 4, Interesting

I'm in .au too and I don't use any phone-based payment. WON'T use them.
Only a complete fucking moron thinks it's OK to let a device as easily hacked, infected with malware from the appstore, and/or stolen as a mobile phone to have access to their bank accounts.
Only a fucking cretin thinks it's a good idea to let Google or Apple or Samsung, etc have access to your bank account or credit card.
BTW, they're not free. You're paying with your privacy and anonymity. You're paying with reduced security and increased hassle. You're paying with the risk of fraud and theft being forced onto you rather than the financial institution. You're paying with the difficulty of spotting fraudulent transactions (with business names on the line-items that have little or no relationship to the name of any shop you buy stuff in) buried amongst hundreds of other small transaction.
I also refuse to use the paypass/paywave/RFID anti-feature of any debit or credit card as a matter of principle because not only did my bank refuse to give me a card without it (and refuse to change the unauthorised transaction limit from $100 to $0 or anything else), not one bank in the fucking country offers it - apparently both Mastercard and Visa require it.
Fuck the so-called "convenience" - entering a PIN when buying something isn't even slightly difficult and is essential for security if my card ever gets lost or stolen (and fuck the bank's promise to pay back any theft - I might end up getting most or even all of my money back but they won't compensate for the months of arguing with the bank before that happens).
And there's no fucking way I'm installing any app from any corporation on my phone - certainly not an app from my bank who has no need or right to spy on me 24/7. I won't even give them my phone number (I don't give out my phone number to ANY company unless it's absolutely unavoidable and *I* both see a need for it AND decide it's worth the risk. I get very little SMS spam. These facts are not unrelated.)
"chip and PIN" cards are OK. not perfect, there's room for improvement, but they at least have the essential feature of **requiring** the user to authorise every transaction before it takes place.
Re: Hang on.... by GrahamJ · 2019-01-22 14:21 · Score: 1, Informative

Also, get off his lawn!
Apple Pay is more secure and private than using a credit card because the merchant receives a random card number. If you're not using it, you're handing over valuable information about yourself every time you pay with a credit card and they sell that to aggregators. So do Visa and your bank btw.
Most of that rant sounds like that of someone who doesn't understand what's going on under the covers. Unless you're living in the dark ages and paying with cash for everything, you're actually safer and more private with Apple Pay.
Re: Hang on.... by WaffleMonster · 2019-01-22 15:49 · Score: 2

Apple Pay is more secure and private than using a credit card because the merchant receives a random card number.
Apples own documentation clearly states sellers are given the phones unique device account number.
https://support.apple.com/en-u...

Most of that rant sounds like that of someone who doesn't understand what's going on under the covers.
Including yourself apparently.

Unless you're living in the dark ages and paying with cash for everything, you're actually safer and more private with Apple Pay.
Actually what's safer is not brandishing Apple smart phone/watch in public everywhere you go. Look at me I'm carrying expensive shit. No thanks some of us have more sense than that.
Re: Hang on.... by cas2000 · 2019-01-22 16:37 · Score: 1

I pay cash for almost everything and I don't give a fuck if you personally believe Apple Pay is more secure or more private because:
0. you're a fucking idiot. This is proven beyond any doubt by your faith in Apple Pay's "security" and "privacy".
1. I'm never going to own an Apple spy-phone.
I won't even use an Android phone or tablet unless it's been wiped and re-flashed with an AOSP-based ROM that uses micro-G and no-gapps instead of google spyware....and even then, I'll never use it with or for anything sensitive or confidential (or allow it to have access to sensitive or confidential data - e.g. i'll ssh IN to my phone but never OUT from it because even after all the steps I take to improve its security, I *still* don't trust it enough to trust a key generated or stored on it).
2. Apple are spying cunts. Just like Visa. and Mastercard. and Google. And Facebook. and all the other corporate cunts.
3. Apple & Visa & Mastercard & banks all aggregate the data - are you really stupid enough to think they act independently of each other and don't share data? That they aren't just different tentacles of the same finance industry cunts?
Re:Hang on.... by mentil · 2019-01-22 19:05 · Score: 1

You think American payment systems are weird? Japan shuts down their ATMs when their banks close for the day. They have metallic shutters that close over them so you can't access the controls. Tons of stuff is cash-only, as well, so if you need to pay for stuff when the banks are closed you're SOL.

--
Corruption is convincing someone that the selfless ideal is the same as their selfish ideal.
Re:Hang on.... by thegarbz · 2019-01-23 00:33 · Score: 1

All right, have a beer and go right back to bed. It's a been a stressful day for you.
Re:Hang on.... by LostMyAccount · 2019-01-23 00:46 · Score: 1

I never used Apple Pay until I activated it about 3 days before a trip to the Netherlands, and it worked almost everywhere there. I ran into about 3 places where the staff apologized for having antiquated terminals that required a physical card.
Back in the US, I'm shocked at how few places I can use ApplePay because the terminals have zero NFC support. I feel like vending machines are doing a better job of supporting it than retailers.
Re: Hang on.... by orlanz · 2019-01-23 00:59 · Score: 1

Ok, we get it. You don't understand how technology works. It's all "black magic" to you. You don't like the fact that the world is changing because the majority of us are OK with this stuff.
There is no reason to call the rest of us "fucking morons" and "fucking cretins". No reason to be modded up.
Do I care if certain parties have access to my checking account that has very little funds? No. I have other accounts with low exposure where I actually keep my money.
Do I care if certain vendors have my CC information? No. I can get a new card number in two business days. The longest I have ever taken to disputed a charge... 15 minutes writing up the email. How often do I have fraudulent charges; about once every two years totaling less than $100.
We know it's not "free". But I personally find it cheaper than maintaining a certain amount of cash at home and in my wallet. Gas & time at the ATM/bank isn't free either. I go to one once every six months. Nor is the extra 30 seconds pulling out my wallet free at checkout. They add up.
I don't need to list the conviences of using my WhateverPay do I? In my case, I just use my watch, no phone required. I love the fact that an email/text comes to me about any charges.
Nuff said?
Re:Hang on.... by AmiMoJo · 2019-01-23 01:59 · Score: 1

Only a complete fucking moron thinks it's OK to let a device as easily hacked, infected with malware from the appstore, and/or stolen as a mobile phone to have access to their bank accounts.
Isn't it safer to carry your phone, protected by a password or biometrics, than a wallet which contains payment cards that only need to be touched to a reader to spend your money? Or actual cash?
By the way, I assume you are basing this claim on a large number of actual incidents of people's phones being hacked and the hackers accessing their bank accounts, so would you mind sharing them with us?

--
const int one = 65536; (Silvermoon, Texture.cs)
SJW, n: "Someone I don't like, and by the way I'm a fuckwit" - AC
Re:Hang on.... by artemis67 · 2019-01-23 02:57 · Score: 1

Cash is like a mobile payment option that you can use everywhere.
Re: Hang on.... by GrahamJ · 2019-01-23 09:44 · Score: 1

See anonymous reply. The DAN cannot be used by an aggregator to uniquely identify you. Your card number can.
Re: Hang on.... by GrahamJ · 2019-01-23 09:51 · Score: 1

Wow, calm down. I did say unless you use cash; obviously that is the most private option. Not necessarily less secure though, if you include physical security.
Look, obviously youâ(TM)re paranoid so by all means, continue believing whatever you want to believe. But Apple Pay *is* more secure than using a credit card directly. Yes, Visa and your bank still see the transactions. duh. But the merchant doesnâ(TM)t get your card number so that is a big security improvement.
If you believe Appleâ(TM)s âoespyingâ (whatever that means) decreases transaction security, please, tell us how. And please show proof that any Apple Pay user has ever been compromised as a result of using it.
Re:Hang on.... by cas2000 · 2019-01-23 11:02 · Score: 1

> Got news for ya', Sunshine: your bank pimps out your data too.
Well, duh! WTF do you think I don't give my bank any more information than is absolutely necessary? e,g, I haven't (and won't) give them my phone number, or my email address (and if that ever becomes necessary, I'll make one just for them so I'll know if they abuse it).
(and I've got so sick and tired of online stores routinely abusing the email addresses I give them to spam me - either directly or by selling my email - that I rarely buy anything online any more. I permanently boycott spammers, and my personal boycott list has grown so large it's getting difficult to remember)
I do, however, live in a country where banks are regulated and where it's illegal for retailers to collect or share data on customer purchases without their explicit consent. They're not allowed to capture or store line-item data from EFTPOS transactions in any manner that can identify individual customers - this is why customer "loyalty" cards are pushed so heavily, the fine-print of loyalty-card T&Cs grant that consent.
phone-based transactions are another end-run around those privacy laws, partly because it's a grey-area whether they're covered by the same laws and, if so, to what extent. And partly because google, apple, etc are scofflaws who ignore or bypass laws and regulations whenever they can.
> This is the main reason we need Bitcoin/cryptocurrency -- privacy.
fuck no! bitcoin isn't private, it isn't anonymous, and it's not even a fucking currency. and the per-transaction costs are obscene.
bitcoin and other crypto-"currencies" are a combination of techno-libertarian gold-bug fetishism and basement-dwelling grifter fantasy of running scams just like the big boys on Wall St.
in short: bitcoin is for retards.
Re:Hang on.... by cas2000 · 2019-01-23 11:23 · Score: 1

> Isn't it safer to carry your phone, protected by a password or biometrics
No.
Phones are not secure, especially not when someone has physical access to the device. and biometrics would be a laughable joke, security-wise, if they weren't a method for corporations to gather finger-print, retina, etc data from their customers. Ooops, did I say "customers"? I meant "their products".
> than a wallet which contains payment cards that only need to be touched to a reader to spend your money? Or actual cash?
I leave all but one card at home when I don't need them, and have physically destroyed the RFID antenna in my cards with a hole-punch.
I also live in a country with the remnants(*) of a decent welfare system with government old-age, disability, single-parent etc pensions, and unemployment benefits - which means nobody's starving or desperate for money or bankrupted by medical expenses, so mugging is extremely rare.
Paid for from taxes, of course, but a) welfare is a fuck of a lot cheaper than even the cost of prisons, let alone the direct and indirect costs of petty crime and b) citizens here expect government to provide services that benefit the public in exchange for tax money, rather than just give it to corporations.
I'm also 6'5" and solidly built, and guns are both strictly regulated and extremely rare (and only an extremely tiny percentage of the population have caught american gun-nut disease) so I have few concerns for my physical safety.
(*) it has survived decades of on-going attacks by neo-liberals because it would be political suicide for any political party to directly attack it. So they can only whittle it away slowly.
Re:Hang on.... by AmiMoJo · 2019-01-23 21:32 · Score: 1

What is your threat model where someone steals your phone and has the technical ability to bypass the security on it?

--
const int one = 65536; (Silvermoon, Texture.cs)
SJW, n: "Someone I don't like, and by the way I'm a fuckwit" - AC
Re:Hang on.... by bernywork · 2019-01-25 11:06 · Score: 1

There's no charge to the consumer, there is to the retailer. It's the merchant fees, so the retailer is wearing a couple of percent per transaction.

--
Curiosity was framed; ignorance killed the cat. -- Author unknown
Re: Hang on.... by WaffleMonster · 2019-01-27 05:43 · Score: 1

See anonymous reply. The DAN cannot be used by an aggregator to uniquely identify you. Your card number can.
If all the seller got was as you incorrectly asserted "a random card number" it would be an entirely different matter.
Equating a unique identifier sent to everyone you've ever bought anything from using Apple pay service with privacy is simply not credible. It's no different than NSA saying they only get phone numbers not names and addresses. Functionally in the age of mass re-identification it's a totally meaningless distinction.
Re: Hang on.... by GrahamJ · 2019-01-27 06:00 · Score: 1

The number used is different for each merchant and will not correspond with aggregated purchase data. It is random from the perspective of the merchant because it is hashed from data unavailable to the merchant.
Deanonymisation requires correlation.
Re: Hang on.... by WaffleMonster · 2019-01-27 06:13 · Score: 1

If you believe AppleÃ(TM)s ÃoespyingÃ (whatever that means) decreases transaction security, please, tell us how.
It decreases security because there are more hands in the pot. Not only does the secrets comprising the underlying card still need to be guarded so does the account / device itself. More to go wrong, more opportunities for data collection and systems compromise.
The future of payment systems isn't layering one disaster (credit cards) upon another (hardware tied vendor specific proprietary payment schemes) ... the future is in systems like SWIFT's RT-RPS.

And please show proof that any Apple Pay user has ever been compromised as a result of using it.
https://www.theverge.com/2018/...
Re: Hang on.... by GrahamJ · 2019-01-27 07:19 · Score: 1

Layering increases security, not decreases. Credit card secrets is a contradiction of terms. The only thing between thieves and your account is numbers printed on a piece of plastic. A piece of plastic thatâ(TM)s sent via snail mail, and can be dropped, stolen, skimmed or photographed. Iâ(TM)ll trust an Apple datacenter over that anyday. Sure there are other payment systems but none with anywhere near the convenience, and thus userbase, as Apple Pay.
Did you read the link you posted? It has nothing to do with Apple Pay. Some idiots without 2FA got phished and their 3rd party apps compromised. Hardly an Apple failing. Even with a stolen Apple ID you canâ(TM)t use someone elseâ(TM)s Apple Pay because it requires biometric authentication.

Re: Samsung Pay by Anonymous Coward · 2019-01-22 11:54 · Score: 1

Bookstores take every kind of payment - great example - because their concern is getting you in the door and browsing. Any inconvenience in the lifecycle of a customer purchase can impact customer lifetime value. As such, they have enormous overhead in stocking books, placing easy chairs, setting up a cafe. After investing several hours in the customer experience (sometimes several separate days of browsing visits), the customer brings an item to the counter and at that point, the store wants to be sure to support whatever payment method the customer has.
Ok, long winded I know, but the ask might be better as here, we take every payment method, just enjoy the store for a little while first and the cashier is right under the checkout sign, as opposed to businesses where they expect the customer to follow some common pattern and then the focus is to reduce the time per transaction.

None of the Above by EndlessNameless · 2019-01-22 11:55 · Score: 4, Insightful

Those fleas have sucked enough of my personal data. They already know (or can guess) where I shop. They don't need specifics.

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According to the latest ruleset, this post should be modded as Vorpal Flamebait +5.

Re:None of the Above by CaptainDork · 2019-01-22 12:39 · Score: 1

This is what I came to post.
I grab my fucking wallet and stick the card in. My goddam Fitbit gives me a one step credit.

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It little behooves the best of us to comment on the rest of us.
Re:None of the Above by s4080326 · 2019-01-22 13:12 · Score: 1

Alternatively having I love having a track of the GPS co-ordinates with each purchase, makes deciphering the random ass company names against my statement a lot easier. No longer do I have to wonder what the $23.57 I spent at SJP trading was for.
Re:None of the Above by Falos · 2019-01-22 14:43 · Score: 1

posting to unmod
why the FUCK does a mod submit if I press the down arrow key?
Re:None of the Above by rtb61 · 2019-01-22 16:18 · Score: 1

Yeah, well I will continue to use my preferred mobile payment system, bloody cash, done and finished. Imagine giving corporations who retain the right to censor all us, the ability to censor our payments for anything. You can imagine a Google payment system dickbrain coming out and saying, "We don't agree with the statements made by all the members of the Green Party, as we don't agree with those statements, we will be cutting off all electronic payment systems to those people's seconds latter the announcement from the electronic payment cabal, they will be following suit, the crime going against corporate propaganda", all members of the greens unable to make any electronic payments and cash does not exist any more, can't make payments, well there goes communications access and can't pay rent. Your slave ID will be your corporate provided electronics fund registration number, which you can be denied access to at any time for any corporate cabal reason and you can not get another one, obey or starve.

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Chaos - everything, everywhere, everywhen
Re:None of the Above by CaptainDork · 2019-01-23 04:31 · Score: 1

Bullshit.
I'm a member of the NRA and I know goddam well that the NRA has stepped away from its mission statement from back when I was a kid.
I was 10 years old in 1955 and Moby Dick was a minnow.
The NRA was THE organization for teaching gun safety, promoting hunting, and supervising sanctioned gun sports.
Now those motherfuckers are headed by multi-millionaires, so fuck American kids, go after the money.
Anyone who maintains that the NRA isn't a goddam PAC for the gun and prison industries is lying out their goddam teeth.
I'm licensed to carry and the only decent outdoor range around here is NRA-sanctioned, so I have to be a member to get in.
Otherwise, those bastards (and bitches) wouldn't get one goddam dime from me.
The reason I carry is because other people carry. Texas is not civilized.

--
It little behooves the best of us to comment on the rest of us.

Apple Pay is getting further big adopters soon by SuperKendall · 2019-01-22 11:56 · Score: 3, Interesting

I think the question seems a little strange as if you have an iPhone you'd be using Apple Pay, otherwise some Google variant.

But personally I really like Apple Pay, because it's easy to set up, use, and I feel is really secure.

Great news too is that soon (if not now?) ApplePay support is coming to Target and some other places - Target was one of the last big holdouts of places I go.

Note that Target will also finally be supporting Google Pay and Android Pay as well, so we ALL win here!!

Another thing I will say in favoritisms of Apple Pay is that Apple Pay over the web works really well and I use it if at all possible (it uses your device to authorize payment).

--
"There is more worth loving than we have strength to love." - Brian Jay Stanley

Re:Apple Pay is getting further big adopters soon by Anonymous Coward · 2019-01-22 12:30 · Score: 3, Insightful

I've also had good experience with Apple Pay as an apple device user.
The whole saga of contactless payments reminds me of the emergence of the smartphone market. At first there were a lot of players, but what sticks out the most is the carriers tried their hardest to wedge themselves in as the payment provider. They REALLY wanted to to be in the loop - going as far as to disable or block contactless payment hardware on android phones they sold to their customers.
Then Apple comes along and suddenly they're the first vendor to grab traction.
With smartphones, Apple was the provider of the phone and software and forbade carrier tampering and modification with software. Apple phone, Apple experience.
They did the same thing with payments. Apple payments, apple experience. Carrier is not invited to the party.
Know why it worked?
Carriers are fucking terrible. Customers hate them. They always over-charge and screw everything up. Like hell a consumer is going to trust their phone carrier with a payment system!
Re:Apple Pay is getting further big adopters soon by Strider- · 2019-01-22 18:50 · Score: 1

The thing is that Apple just supports the standard. The standard way that any other tap-to-pay EMV card communicates with the reader. The rest of the world has had this functionality for a good 4 to 5 years. yeah, stores advertise they accept Apple Pay, but as long as they support tap on their terminals, they support it because there is no difference.
The only difference is that when you add your card to your phone, it generates a new, device specific credit card number that can only be used by that device, and can not be used in any other kind of transaction. (it's not per session, or generated for every transaction). So even if someone snoops your card in the NFC interaction, all they can do is use it for other NFC payments, which typically have a limit of $100 or so (at least in Canada).

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...si hoc legere nimium eruditionis habes...
Re:Apple Pay is getting further big adopters soon by AmiMoJo · 2019-01-23 02:00 · Score: 1

On Android you can use any payment app you like, it doesn't have to be Google Pay. Many banks offer their own.

--
const int one = 65536; (Silvermoon, Texture.cs)
SJW, n: "Someone I don't like, and by the way I'm a fuckwit" - AC
Re:Apple Pay is getting further big adopters soon by mjwx · 2019-01-23 02:56 · Score: 1

I think the question seems a little strange as if you have an iPhone you'd be using Apple Pay, otherwise some Google variant.
My answer is none of the above.

I'm squarely in the Android camp... But not a fanboy, my last phone was Android, my current phone is Android but my next phone will be Android unless something better comes along (unlikely, but I'm open to the possibility). I'm still not going to use Google pay.

My issue with all of these services is that they add additional parties, additional complexity and additional cost without adding any benefit to me or the merchant. My cards work fine, cash works even better. Given that most mobile payment services are just wrappers for my credit card, what benefit is there to not using my card to begin with.

If I use my credit or debit card, here are all the parties currently involved in the transaction.
Me ----> My issuing bank ----> Card processor (Visa/MC/AMEX) ----> Merchant's bank ----> Merchant.
Every one of the middlemen is scrapping a percentage off the top for themselves, I might pay £3, but by the time the merchant gets their money there's only £2.60 left at best. So what benefit to me is adding another middleman to this palaver?

Presently Google and Apple are forgoing charging their cut, but this is only to get people using their system. Once they have enough users hooked they'll start charging.

Also, the reason Google and Apple are just wrapping around your credit card is to avoid being called banks as being a bank is a regulatory minefield and at least here in the UK, stupidly, insanely competitive. Speaking of competition, this is why I think that ultimately, Google and Apple will exit the payments business. Australian banks have already cottoned on and gotten app based payments, I'm sure UK and European banks aren't far behind. Once this happens, another middleman becomes even more redundant.

Just for comparison, if I use cash (or bank transfer here in the UK).
Me ----> Merchant.

--
Calling someone a "hater" only means you can not rationally rebut their argument.
Re:Apple Pay is getting further big adopters soon by SuperKendall · 2019-01-23 07:47 · Score: 1

My cards work fine, cash works even better
My card worked fine at Five Guys. And then it also worked fine for the guy at Five Guys that stole my number...
I use cash sometimes also, but you don't want to have to carry a ton of cash around, and credit cards give rewards. Presently you are paying for those rewards anyway through higher merchandise prices, no matter if you use cash or not - so why not use a card and get in on that?
Using Apple Pay when I can, means I do not have to worry about my number being stolen. So it does add benefit to me and no drawback to the merchant (other than not being able to track me - so I guess that's another benefit in my favor).
Speaking of competition, this is why I think that ultimately, Google and Apple will exit the payments business.
I can't speak for Google, especially after the large number of efforts they have dropped... but I can say for sure Apple will never drop Apple Pay, because it's one of many features that makes apple devices (from iOS to OSX) more valuable.

--
"There is more worth loving than we have strength to love." - Brian Jay Stanley

Preferred form... by Pollux · 2019-01-22 11:58 · Score: 4, Insightful

Everyone has a smartphone these days

Speak for yourself. I use a flip phone.

Which Mobile Payment Service Is Best For You?

It's called cash. It goes with me, so it's perfectly mobile. But it doesn't allow big corp to gather data on my every purchase and use it to their own advantages.

Re:Preferred form... by antdude · 2019-01-22 14:23 · Score: 1

Some people don't even have mobile phones. ;)

--
Ant(Dude) @ Quality Foraged Links (AQFL.net) & The Ant Farm (antfarm.ma.cx / antfarm.home.dhs.org).
Re: Preferred form... by Oligonicella · 2019-01-23 03:00 · Score: 1

Assuming you own/carry one.

Cash or Card by Drethon · 2019-01-22 12:06 · Score: 1

What does mobile payments provide to me that cash or card does not?

Re:Cash or Card by phalse+phace · 2019-01-22 13:02 · Score: 1

What does mobile payments provide to me that cash or card does not?
Your cash and credit card can get lost or stolen and then be used by whoever finds it. This won't happen with, for example, Apple Pay if you lose your iPhone. So I suppose the answer would be security.
Re:Cash or Card by ShanghaiBill · 2019-01-22 13:26 · Score: 1

What does mobile payments provide to me that cash or card does not?
3FA instead of 1FA. To make a payment with my phone requires:
1. Physical possession of my phone
2. My fingerprint to login to the phone
3. My 4 digit PIN to authorize the transaction.
To use cash or CC (at least in America) requires:
1. Physical possession of the cash or card.
Cash theft is a big problem. Credit card fraud is common. Mobile payment fraud is nonexistent.
Re:Cash or Card by godrik · 2019-01-22 14:40 · Score: 1

They're more secure, especially compared to physical card payments in the US, which are just antediluvian.
What are you talking about? Credit card security is great in the US! By law, I am not liable for fraudulent charges past $50. If my card's credential get stolen, it is the bank's problem, not mine. Can't do much better than that as far as I care.
Much better than in France, where I used to live. There, all charges were my liability even if the charges were not mine.
Re:Cash or Card by Misagon · 2019-01-22 16:29 · Score: 1

The mobile payment providers are not actively trying to subvert and make it harder for you to use cash.

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"We mustn't be caught by surprise by our own advancing technology" -- Aldous Huxley
Re:Cash or Card by ColaMan · 2019-01-22 17:17 · Score: 1

I think you're confusing security with responsibility.
Credit card security in the US is abysmal. Your personal responsibility of only up to $50 is great. Except that someone has to pay and deal with all the fraud, and that eventually winds its way back to you in the form of fees and/or higher interest.
Increase security -> reduce fraud -> lower cost of credit to you.

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You are in a twisty maze of processor lines, all alike.
There is a lot of hype here.
Re:Cash or Card by onkelonkel · 2019-01-22 18:02 · Score: 1

Credit Card security in the US sucks. Last time I visited there half the stores didn't have chip and PIN. I went to a restaurant, and instead of bringing me the wireless terminal the waitress walked off with my card. Came back with my card and a piece of paper for me to sign. Like there was any security at all in a signature. Who the fuck knows what she did with my card while she was gone.

--
None of them can see the clouds; The polished wings don't care.
Re:Cash or Card by mentil · 2019-01-22 19:15 · Score: 1

The merchant generally ends up paying for charge-backs, FYI.

--
Corruption is convincing someone that the selfless ideal is the same as their selfish ideal.
Re:Cash or Card by mentil · 2019-01-22 19:18 · Score: 1

Say you'll pay up front, and you can see them swipe/insert it. There's a known flaw with some wireless chip & PIN terminals that allows thieves to snoop on the data and make unauthorized charges; if it's the flaw I think it is, it requires an update to the terminal (how many restaurants will do that?)

--
Corruption is convincing someone that the selfless ideal is the same as their selfish ideal.

Mobile payment is still best done with cash by ffkom · 2019-01-22 12:19 · Score: 5, Insightful

No tracking and profiling by data greedy corporations, no transaction fees, no "oops our card reader just malfunctions", and most importantly: I can give and take cash to/from whoever I want, without some corporation deciding if that person or me are deemed worthy their services.

Re: Samsung Pay by pgmrdlm · 2019-01-22 12:25 · Score: 2

I don't use any of them and I will resist until I starve. These companies can not be trusted with the data they collect. I also don't want to miss out on a snack when hungry because my shitty phone's battery goes flat.

If the electronic payment company is also my phone maker it is more likely their phone is shitty especially the battery and that they are making a product that is designed to fail within a short time frame.

None of these companies inspire positive branding terminology such as QUALITY.

+1 Insightful - Wish I had mod points

--
Anonymous comments are as pathetic as the anonymous "sources" that contaminate gutless journalism from the New York Time

Part of it was competing ideas by SuperKendall · 2019-01-22 12:30 · Score: 1

Isn't Apple / Google / Samsung pay ubiquitous over there?

No, in part because there was a consortium of companies (including Target and CVS) that wanted to promote some completely different standard... so NFC readers are slower to work down into retail than they should have been.

That side effort utterly failed...

--
"There is more worth loving than we have strength to love." - Brian Jay Stanley

Re:Part of it was competing ideas by ShanghaiBill · 2019-01-22 13:14 · Score: 1

so NFC readers are slower to work down into retail
You don't need NFC. Most cashless transactions around the world are done with an app that scans a barcode using your cellphone's camera.
Re:Part of it was competing ideas by Strider- · 2019-01-22 18:47 · Score: 1

Say what? I've never, ever seen that in europe or Canada, save for things like the Starbucks app (but then, it's a 2D barcode scanned at the store). It's all NFC/tap based, no different than the tap functionality built into your average EMV credit or debit card.

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...si hoc legere nimium eruditionis habes...
Re:Part of it was competing ideas by ctilsie242 · 2019-01-23 03:23 · Score: 1

We had something like that here, called CurrenC, but it flopped. Mainly because it used ACH debits rather than credit card transactions, so if fraud did happen, the customer was stung with it, with no way to get anything back, as opposed to reversing charges with a credit card.
Re:Part of it was competing ideas by ShanghaiBill · 2019-01-23 03:47 · Score: 1

Say what? I've never, ever seen that in europe or Canada
You should travel more widely. Most cashless transaction occur in Asia.
China and SouthEast Asia use systems based on QR codes.
China alone has more mobile transactions than the rest of the world combined

Re:some have no smartphone by Bobrick · 2019-01-22 12:34 · Score: 2

Guess what, not everyone has a smartphone, he or she is right. I had one for a bit over a year, starting in 2017 (yes, I'm a millenial-neanderthal that waited this long to get one) and I don't anymore. My life is still doing fine, believe it or not.

Re:I use a new service by Bobrick · 2019-01-22 12:36 · Score: 1

I try to put as least as possible on my debit card, most everything I pay cash too... no credit card, and the absolute minimum goes to my bank for the privilege of accessing my own fucking money.

Isn't it irrelevant? by viperidaenz · 2019-01-22 12:38 · Score: 1

Apple Pay, Google Pay, Samsung Pay.

They're all compatible with VISA Paywave terminals aren't they?

Cash... by b0s0z0ku · 2019-01-22 12:40 · Score: 1

Unless it's an online purchase, good old-fashioned, cold, hard cash. If I like my privacy, I can keep it :)

Re:Cash... by jellomizer · 2019-01-22 13:02 · Score: 1

And if you wallet gets stolen then your money is gone.
For credit you can dispute frodulant charges.
Besides your privacy with face tracking is just as bad as with a card.

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If something is so important that you feel the need to post it on the internet... It probably isn't that important.

Re:I use a new service by viperidaenz · 2019-01-22 12:43 · Score: 1

I try to put as much on my credit card as possible.
Not only is there cash back, the purchase sits there for over a month interest free. Then I pay it off in full.
That's cash back plus a month of interest I'm not paying on my mortgage.

It's kind of win-win for me and the bank. I get slightly less than what I assume the bank gets in merchant fees, but the bank still makes money. Overall I end up paying the bank less money for the privilege of accessing THEIR fucking money (well, that of their other customers) to buy a house (or several) that appreciates significantly in value every year.

I'm glad you find satisfaction holding your own cash, while it diminishes in value with each bit of inflation, but you can actually make money with the help of a bank.

Re: Samsung Pay by ShanghaiBill · 2019-01-22 12:45 · Score: 1

I use WeChat-pay, which is more-and-more accepted in America. It is not tied to a particular phone vendor or OS, and the data is stored in China where it is safe from the prying eyes of American corporations and government agencies. For purchases under $150, it is free of fees for either the customer or vendor. Peer-to-peer transfers are very easy.

Re:I use a new service by WillAffleckUW · 2019-01-22 12:51 · Score: 1

I'm glad you find satisfaction holding your own cash, while it diminishes in value with each bit of inflation, but you can actually make money with the help of a bank.

You spelled Credit Union wrong.

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-- Tigger warning: This post may contain tiggers! --

Re: some have no smartphone by registrations_suck · 2019-01-22 12:58 · Score: 1

I do not have any millennials, and my life is going just fine as well.

I have no problems by jellomizer · 2019-01-22 13:00 · Score: 1

The link for the security concerns doesn’t really apply to Apple Pay.
And for the most part it is more secure then you credit card or a chip card. Because Apple Pay normally requires a form of authentication. Passkey or more common biometrics.
In terms of compatibility you don’t look for the Apple Pay logo you look for the fact the card reader accepts proximity cards.

I am able to do my Saturday chores which include. Gas, Petstore, and grocery store all with My phone. I carry my wallet mostly because that is where my license is, and for the occasional once a year failure in the readers.

No I live in a rural area and do my shopping in a small town and there is rather good compatibility with it.

I normally will have my phone ready to look at. So it is easier to pull out then a wallet.

In short I found Apple Pay more convenient and safer then the alternatives.

--
If something is so important that you feel the need to post it on the internet... It probably isn't that important.

Re: Premise is flawed. by registrations_suck · 2019-01-22 13:03 · Score: 1

Right. Because, you know, there is no way to turn a smartphone off and leave it in your coat pocket.

I use HSAC pay by WaffleMonster · 2019-01-22 13:08 · Score: 1

It's totally emosewa.

I don't know how they managed to do this yet the payment "app" actually still works even when battery on your phone runs dead or you *gasp* decided not to bring it with you.

The full value of each transaction is always transferred to the intended party without value needlessly being diverted to coffers of money changers.

Also transactions are inherently untraceable. If I buy something the seller can't use HSAC payment app to fingerprint me or otherwise obtain my identity so they can constantly harass me to buy more shit from them.

Re:When your phone gets stolen by saloomy · 2019-01-22 13:20 · Score: 1

You can't use the phone's payment system without FaceID / TouchID or the pin. These services are 2fa. Something you have (the phone) and something you are (fingerprint / face) or something you know (pin).

None. by cas2000 · 2019-01-22 13:20 · Score: 2

None of them are good for YOU.

They're just another tool to turn you and your life into saleable product, and to skim a percentage from every single thing you buy.

Now that that question has been answered, we can move onto something far more useful and interesting:

Every employer has given free cyanide candy to every employee over 50. Which flavour is best for you, and which colour is prettiest?

Re: Samsung Pay by GrahamJ · 2019-01-22 14:10 · Score: 1

Maybe you should get a phone that's, you know, not shitty.

Here in Canada Apple Pay support is ubiquitous and my Apple Watch or iPhone will work every time. Maybe the problem isnâ(TM)t the technology.

Can use Apple Pay (or equivalent) virtually everyw by DrEdwardo · 2019-01-22 14:44 · Score: 1

Canada had lightning-quick NFC-enabled tap-to-pay terminals everywhere (via Interac) well before Apple Pay was even launched. Soon as the Canadian banks struck their deals with Apple, one could use Apple Pay everywhere you could use Interac.

Re: Samsung Pay by Applehu+Akbar · 2019-01-22 14:52 · Score: 2

I also don't want to miss out on a snack when hungry because my shitty phone's battery goes flat.

None of these systems prevents you from using cash when you want to.

Re:some have no smartphone by Bobrick · 2019-01-22 14:56 · Score: 1

I don't care what these companies cater to, but your comment reminds me of Idiocracy... just replace "tatoo" with "smartphone".

Not me by AndyKron · 2019-01-22 15:00 · Score: 1

I don't keep access to my money on my phone.

I like Apple Pay by Applehu+Akbar · 2019-01-22 15:11 · Score: 1

The security of hardware-tokenized smartphone payment systems is in the hardware, not the operating system. Software gets a one-time-use token, not your credit card number.

And why should I care that I'm being "tracked," meaning that advertisers are given data on how many people shop for pineapples on Tuesdays at my local market? Knowing who shops for what has been the age-old concern of every commercial trader forever.

Cash is too expensive! CC in ApplePay over CC by SallyBowls · 2019-01-22 15:52 · Score: 1

A thousand dollar purchase takes $1000 in cash today or I can charge it and pay my credit card company $985 in about 40 days. Being financially optimal means using a credit card - either directly or via *Pay e.g. Apple Pay. IMO, Apple Pay.is [slightly] better since the merchant does not get your credit card number, just a one-time token. So I don't care if the merchant gets hacked like Target or lots of others.

Re:some have no smartphone by Cmdln+Daco · 2019-01-22 16:35 · Score: 1

Did his comment make you angry? Or frightened?

Re:The andwer is none by Cmdln+Daco · 2019-01-22 16:39 · Score: 1

Naw. We want them to stay in the bubble.

Nice bubble! Stay there!

Meanwhile in Australia by aleck7 · 2019-01-22 16:49 · Score: 1

I generally have only the phone, no cards or cash on me. Since PayWave (a contact-less payment PoS) is supported by next to all terminals I very very rarely run into issues. From what I know plenty of people do the same -- phone only is enough for pretty much everything.

Contactless by hammeraxe · 2019-01-22 17:02 · Score: 1

I don't really understand the point of these services. Why not just use your contactless card?

Re:Contactless by Strider- · 2019-01-22 18:54 · Score: 1

That's exactly what Apple Pay does, except that you don't have to carry your card, your phone acts as a contactless card (of your choosing).
The bit of support that is needed is integration with your bank, as when you add your card to your phone, the system generates a new card number that is unique to the device, and which can not be used for other types of transactions. This makes it somewhat more secure than using the card itself, as your actual credit card is never hitting the air.

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...si hoc legere nimium eruditionis habes...
Re:Contactless by Frederic54 · 2019-01-23 02:30 · Score: 1

No more wallet! I have 2 debit cards (personnal and shared account), 2 credit cards (one in $CAD one in $US) they all are in my GooglePay, as well as my Airmiles card and others rewards card. I bought a flip case where I can put my driving license, and I have no more wallet, only my phone.

--
"Science will win because it works." - Stephen Hawking

FeliCa by spinitch · 2019-01-22 18:34 · Score: 1

Can charge and spend anonymously at Point of Sales, no fees. Lose card if keep receipt and have serial number can recover unspent charges for about $10 new card fee. Not sure if possible to use for internet shopping but there are other POSA charge options from Apple and Amazon with a little extra code management by email. Ok for small purchases. Amazon gets the real credit card due to broadest capability.

Re:some have no smartphone by mentil · 2019-01-22 19:01 · Score: 1

Tattoo, you mean. And without one, how would you know when planes arrive?

--
Corruption is convincing someone that the selfless ideal is the same as their selfish ideal.

Re: Premise is flawed. by registrations_suck · 2019-01-22 19:05 · Score: 1

If you take the position that if you do not observe it, it does not exist, that would explain a lot.

As for security...I do not care if phone payments are secure. I have no fraud liability. If I use my phone to pay at Target and someone grabs my credit card info, good for them! I can resolve it pretty quickly with a âoeno, not my chargeâ statement and a replacement credit card.

Speaking of things never observed...I have never had to close a credit card due to fraud.

My phone is in my wallet by nospam007 · 2019-01-22 21:46 · Score: 1

I have a wallet cover for my phone and my credit card is in it. The card allows contact-less payments so I just swipe my wallet-phone at the terminal and I walk if it's below 25€, if above I enter my pin.
I don't have to open the wallet and it works even if the phone is dead.

Why are the options so limited? by nakedhitman · 2019-01-22 22:09 · Score: 1

The best option for everyone would be an open source app app that uses an open standard protocol to talk directly to my bank with no information leakage to any middlemen. Why does this not exist? As it currently stands, my Android phone won't let me use Google Pay without using stock firmware and a locked bootloader due to that damn SafetyNet check. I know why SafetyNet exists, but I really don't see the difference between having to tell my bank that my token has been stolen and used for fraud versus my physical card being stolen and used for fraud.

More than NFC support ? by Pascal+Sartoretti · 2019-01-22 22:17 · Score: 1

As a long time Apple Pay user, I am a bit confused : as soon as Apple Pay had been supported by my credit card provider, and configured my iPhone and it worked at once on any terminal supporting NFC.

And not only did it work in my country (Switzerland), it worked all over Europe, including in countries where Apple Pay was NOT available. Hence, my understanding is that terminals don't explicitly need to support Apple Pay, they need to support NFC. Apple is should be transparent to the terminal.

Is it different in the USA ?

Re:More than NFC support ? by Tomahawk · 2019-01-23 00:38 · Score: 1

Many places in the USA still ask you to swipe your credit card and sign...!!! They don't even have chip and pin, let alone tap.

My experience by Tomahawk · 2019-01-23 00:28 · Score: 1

Here in Ireland I find that I can use Google Pay in the vast majority of places. Basically anywhere that accepts tap with a credit card will also accept Google Pay and Apple Pay (I don't know about Samsung Pay, but I don't know of any bank offering that on their cards).

The compatibility here seems to be whether the banks offer it, not whether the shops accept it.

I only know of 2 shops where I haven't been able to use it: IKEA, which only accepts payments up to 30 Euro with tap of any kind, and a local hardware store that has a problem accepting various types of credit cards for tap too.

Otherwise I rarely take my wallet from my pocket. I just about always have my phone, and if I don't have my phone for some reason I'll likely have my watch on me.

Are these banks? by thegarbz · 2019-01-23 00:35 · Score: 1

Apple Pay? Google Pay? Samsung Pay? Are they your banks?
Android's NFC API directly interfaces with payment software. Why would you put yet another 3rd party in between you and your banking app?

So what service do I use? The Wallet app provided by my bank. Works anywhere my card does, has independent limits and security handled by my bank.

Re:The best mobile pay . . . by Tomahawk · 2019-01-23 00:36 · Score: 1

... and limited to 30 Euro. Whereas with your phone there is a 30 Euro limit with a locked phone, and no limit with it unlocked.

Plus it's much faster (for me, at least) to take my phone out of my pocket and tap it than it is for me to dig my wallet out and then get my debit card from it.

SAMSUNG PAY: All The Way by sellash19daut2301 · 2019-01-23 01:29 · Score: 1

#TL;DR
Samsung Pay because it uses superior, patented technology. (https://patents.google.com/patent/US20160180120A1/en)

I created an account just to post this info :)

I thought they were all pretty worthless because, as already stated, not many places accepted forms of payment, but I changed my opinion after owning the Samsung Galaxy S8+ for less than a week. A friend and I were hanging out and took a drive. We visited some remote-ish place that sold nuts, pies, and some country style Knick Knacks. We both had grabbed a few things and went to the registers; I realized that I did not have my wallet on me, BUT I did have my new phone, on which I had recently configured Samsung Pay. Now the check-out area had old computers, and whatever was running on those computers was using the magnetic reader built into keyboards for credit card transactions (reference: http://www.semicron.com/versak...). I told the lady that I forgot my wallet and asked if I might try my phone. She told me a couple of times, "Honey, we're not setup for that," but I politely requested to just give it a TRY, expecting it not work either...

It worked. We were both shocked and happy, and she started calling her co-workers over to tell them what had just happened. End of story; thanks for reading :)

FYI (this is copy/pasted from a Google cached page, as the Samsung link did not seem to work):

What is MST (Magnetic Secure Transmission)?

Magnetic Secure Transmission (MST) is a technology that emits a magnetic signal that mimics the magnetic strip on a traditional payment card. MST sends a magnetic signal from your device to the payment terminal's card reader (to emulate swiping a physical card without having to upgrade the terminal’s software or hardware). MST technology is accepted at nearly all payment terminals with a card reader. Some payment terminals may require software updates. Simply select a card from Samsung Pay, and transmit the payment information by moving your device within an inch of the payment terminal. Your transaction and payment information will be kept private and secure with the use of tokenization. MST is more secure than using a traditional payment card and is as secure as paying with Near Field Communication (NFC).

You must be in the US... by Frederic54 · 2019-01-23 01:45 · Score: 1

I'm in Canada and for ~2 years now I pay everywhere with my phone... first it was with my zenfone2 and now my nokia, anyway before that I tapped my card on the paypass terminal.

I pay with my phone for my gas, various groceries, various generic noname dollar store, fruit/vegetable corner store, canadian tire, dollarama, costco, etc, everywhere!

The 2 only stores I found in 2 years that do not accept NFC payment are: Walmart, Michaels.

Also I often go in the USA, last time I paid with my phone in a CVS, the cashier was speechless and didn't understand what happenend. When I wanted to pay with my phone in a Pizza Hut, the waitress had to ask the manager if they accept it and how to do it (yes, it worked), same thing in big lots or family dollar, the cashier did an instant barbarian move when I paid with my phone... but everywhere in the world people are doing this!!!

Also in the USA they still use magnetic strips, but worst of it, when I pay with my chip or my phone, they hand me a paper to sign, it's stupid, I just entered my PIN code on the terminal and I have to sign?!?

Excuse me OP but technologies in the US is wwwaaaayyyyy back compared to the rest of the world.

Also last time I checked Android/Samsung pay is free for the stores, but ApplePay wants 0.5% of the transaction, maybe this is why stores refuse apple pay.

--
"Science will win because it works." - Stephen Hawking

Re:You must be in the US... by Daralantan · 2019-01-23 03:16 · Score: 1

in a CVS, the cashier was speechless and didn't understand what happenend.
That's what years of retail will do to you.

family dollar, the cashier did an instant barbarian move when I paid with my phone...
That's what years of Family Dollar will do to you.... :(
On a more serious note - I do feel surprised at the number of people in here saying they are in America and almost no place they go to uses _____ Pay, NFC, or chips. I don't shop often, but when I do I've seen most or all of those options at all the places I go. Even if I'm just going to a small stand at a farmer's market.

Re:Apple Pay by Frederic54 · 2019-01-23 02:31 · Score: 1

> The thing that differentiates Apple Pay from all the other EMVCo v3 contactless payment solutions...

is that apple charge 0.5% to the store, last time I checked

--
"Science will win because it works." - Stephen Hawking

Re: Samsung Pay by pgmrdlm · 2019-01-23 02:36 · Score: 1

Lol, thats good. Thanks for the laugh on this icy day where I can't get out of the house.

--
Anonymous comments are as pathetic as the anonymous "sources" that contaminate gutless journalism from the New York Time

Cash whenever possible by tflf · 2019-01-23 02:41 · Score: 1

I still use cash for a lot of purchases, because of privacy concerns. Cash means little or no personal data is collected at the point of purchase. Reward programs, credit cards, debit cards, phone aps, etc. are convenient, but, the trade-off is loss of privacy. Not knowing who may have access to the data from a point-of-sale transaction is disconcerting. Is my purchase of an item legal in country A going to bite me in the ass if I travel to country B, where the same product is illegal? That concern may be paranoia today, but, will likely be reality tomorrow. Further, my personal financial data apparently has monetary value. Why don't I get something (a discount for example) for handing it over at the Point of Sale?

Re:Cash whenever possible by Oligonicella · 2019-01-23 03:12 · Score: 1

No, the concern is for today, not tomorrow. Just read up on Wells Fargo or PayPal's suppressing purchases (legal everywhere purchases) for political purpose.

"Everyone has a smartphone these days" by Oligonicella · 2019-01-23 02:46 · Score: 1

What a stupid assumption.

Re:some have no smartphone by Oligonicella · 2019-01-23 02:51 · Score: 1

Not as tiny as you believe, but yes, we're idiosyncratic. And really, this sub-thread is responding to "everyone has", a stupid statement, not about companies catering.

Re: Samsung Pay by cayenne8 · 2019-01-23 02:51 · Score: 2

I've never used a 'mobile pay' system of any sort, and I don't have any inclination to start.

I do as much of my local purchases as possible with cash.

I like to take out a good bit of cash at the beginning of the week, and make my weekly normal purchases with that. I like that I can see my cash wad going down physically and gives me a purse sense of what I'm spending.

I prefer it over credit cards and all, because those...much like chips in a casino, abstract you from what you are actually spending (or gambling).

Like you, I do not want to give these companies any more data on me, like my spending habits.

I use CC's when I have to...online, or special purchases, etc....but I prefer to even not use those if possible.

I don't do rewards cards either, or if I have some, I've given them false information, and use them with cash.

I'm not sure I get what other folks posting say....to the effect of "I want to leave my wallet at home".

Err....what do they carry their ID in? No drivers license?

No business cards?

What about membership cards like Costco, etc?

Insurance cards?

I mean, I can't see me never having to have a wallet on my person when I go out...what's the problem with adding a credit card or two to the pile?

Hell, I try to go out without carrying my PHONE.....to decrease the tracking, and to be unreachable, which is something nice that I remember from growing up before the proliferated.

Leaving the smart phone at home can at times be quite liberating. Try it some time.

--
Light travels faster than sound. This is why some people appear bright until you hear them speak.........

The solution to lack of compatibility by artemis67 · 2019-01-23 02:54 · Score: 1

The solution to lack of compatibility is to use Apple Pay and Google Pay everywhere you can.

If those services are successful, then more retailers will support them.

Re:some have no smartphone by Oligonicella · 2019-01-23 03:09 · Score: 1

Having read down the current comments now - Not at all as tiny, poor or incarcerated as you believe, nor as troglodyte-like. You're just typing your personal preferences (and your pomposity) as if they were fact.

Re: Samsung Pay by ctilsie242 · 2019-01-23 03:10 · Score: 1

Even here in Texas, Apple Pay is common. I did have reservations about its use, but because gas pumps accept it, I use it, just because it ensures that my card can't get grabbed by a skimmer. Wave phone by reader, pump gas, go on.

Just the fact that it removes so many common avenues for fraud make it worth having, be it the "tried and true" method of copying down a card number, to skimmers, etc. Since the US is still not on Chip and PIN, one can do a lot of fraud with just the numbers.

Cash, contactless card or local mobile system. by Moskit · 2019-01-23 03:51 · Score: 1

Question is fairly USA-centric.

Elsewhere banks introduce their own payment systems (working within the country), apparently to avoid paying fees for Visa/Mastercard/Google/Apple/Paypal processing.
https://en.wikipedia.org/wiki/...
https://en.wikipedia.org/wiki/...
https://en.wikipedia.org/wiki/...
https://en.wikipedia.org/wiki/...
https://www.finextra.com/press...

NA by Necron69 · 2019-01-23 05:19 · Score: 1

Mobile payments are a solution in search of a problem. I tried Google pay once for the novelty, and never used it again.

- Necron69

Nope by drinkypoo · 2019-01-23 05:21 · Score: 1

Everyone has a smartphone these days, therefore everyone should have access to at least one mobile payment service -- Apple Pay, Google Pay, or Samsung Pay.

Nope. My Android phone doesn't have NFC.

--
"You're right," Fisheye says. "I should have set it on 'whip' or 'chop.'"

Apple Pay or bust... by ElitistWhiner · 2019-01-23 06:02 · Score: 1

I like _how_ Apple Pay ( ApplePay.com) works without exchanging user data.
I like Apple products
I like Apple core technologies, API's and services.

I do NOT like Apple Pay dropping email bombs with each purchase ( as if they've brokered the receipt too). Apple Pay by definition is a payment platform. AAPL hasn't figured that part out yet. They would do well to spend big on bolting on a backend vendor to their Apple Pay technology. The leverage would yield EFT (i.e. BillPay, CheckPay), deposit and transfers. Beyond piggybacking on a payments platform AAPL would be in the business of transactions processing carrying the water for credit card companies.

I do NOT need another vendor in my wallet, thank you. Apple Pay is just another vendor in different form factor. AAPL will need to earn its place in my transactional history besides piggyback on POS terminals.

Not so by SuperKendall · 2019-01-23 14:25 · Score: 1

As long as they support tap on their terminals, they support it because there is no difference.

That's not exactly right - due to the whole consortium that kept Target from using ApplePay, some vendors that had tap to pay systems explicitly blocked ApplePay. I encountered it a few times (not the case anymore).

--
"There is more worth loving than we have strength to love." - Brian Jay Stanley

stopped reading after 1st sentence by sad_ · 2019-01-23 23:55 · Score: 1

"Everyone has a smartphone these days, therefore everyone should have access to at least one mobile payment service"

nope, i don't trust mobile payments at all and think nobody should be using them.
they're running on an always connected device, known to have security issues because there are no updates anymore, loaded with apps that spy on you in the best case and drop malware and other unpleasantires in the worst case.

tell me again why i would want to do anything money related on such a platform.

--
On a long enough timeline, the survival rate for everyone drops to zero.

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