The right thing to do is have the app open while you're in line and ready to go, not open it up when the cashier tells you your total.
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Woo hoo, Chip & PIN (EMV, Chip Cards, etc) FINALLY IN THE US, and WORKING
- Thread starter dontwalkhand
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The right thing to do is have the app open while you're in line and ready to go, not open it up when the cashier tells you your total.
To be clear, unless Apple re-sparks it. NFC is the fad that is already dead. My last card refresh, NFC was yanked.
The few stores that had readers, some are being pulled and replaced with MSR+EMV (though some have all, with MSR+EMV+NFC).
Cards are being pulled.
http://digitaltransactions.net/news...Card_-But-It_s-Unlikely-To-Slow-EMV-Migration
My bank card has NFC built into it. That would be the 'Tap' function mentioned earlier. I only use it to buy coffee in McD. Soon, this Tapping will replace Oyster Cards for travelling on London Transport. I cannot see myself faffing about with phones to pay for things.
Many of the retailers in my community (West Coast of Canada) have the 'tap' function enabled for the chip on our credit cards, and the local supermarket recently bumped the limit for tapping to something above the previous limit of $50 for 'tapping'. Love it. It's so fast to just to just pull the card out and tap and go. Takes longer for the receipt to print now than to pay.
The confusing part is that some store's card readers will display the message that 'tapping' is possible, though it's not actually turned on. Then you have to insert the chip. The good stores have taped a note to the card reader at least.
We've had the chip thing for a long time here. It's fun to read about our southern cousins going through the transition. Embrace the change! It won't hurt... really....
The confusing part is that some store's card readers will display the message that 'tapping' is possible, though it's not actually turned on. Then you have to insert the chip. The good stores have taped a note to the card reader at least.
We've had the chip thing for a long time here. It's fun to read about our southern cousins going through the transition. Embrace the change! It won't hurt... really....
The right thing to do is to have your card out while you're in line and ready to go. It's still just as fast to swipe. NFC does not save any time.
The only time NFC might save time is if you're one of those people who keeps all your cards at the limit and you have to try 8 different cards until one doesn't get declined.
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I really hope TfL doesn't replace Oyster cards with an NFC phone app. You thought us tourists trying to use an Oyster card were slowing things down now? Just wait till we have to use an app
Well that's what I mean by everyone else but Target. It seems everyone else is enabling EMV, and NFC, while Target isn't. If anything they should have been first to enable it.
I guess they were waiting on some new registers, but so far some old junky slow software as before. Last I heard they were supposed to convert their US stores to Retalix to be in line with Canada. (Also with it bring Chip and PIN and self checkout to Targets in the US). I don't think the software in its current state can support self checkout which is why only Canadian targets have SCO.
I did some research on Self Checkout as well and most solutions will only work with regular POS solutions like IBM 4690, or NCR AdvancedCheckout but Target's POS is all home grown.
The speed difference between Swipe vs. Insert at Walmart is negligible. It's only one speed: Slow. You're staring at "Authorization in Progress -- One Moment" screen for at least 20 seconds during either a Swipe or EMV transaction.
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Sounds like Wal-Mart needs to upgrade their system. Guess they'll do that after they start paying their employees a living wage.
I worked at Walmart and I do agree, however it's retail in general, not just Walmart with these wages. A store in the mall pays less than Walmart does. Target in my area pays less than Walmart. I no longer work there but a lot of the Walmart bad press is just that, I really never seen any of the crazy stuff others claim to see. My store ran like any other store that isn't Walmart.
Walmart doesn't want people who need a living wage. They want people who want supplemental income. That's not their problem to fix.
so... may sound a bit stupid... but I'm curious about one thing involving chip and pin.
How exactly does it work when you say, go through a fast-food drive-through? Is there a keypad near the window to enter your pin or something?
Or do those merchants just not use it?
How exactly does it work when you say, go through a fast-food drive-through? Is there a keypad near the window to enter your pin or something?
Or do those merchants just not use it?
They usually will hand you the PIN pad through the fast food drive through (Had this happen to me at Dairy Queen), or run the card as a "Chip & Signature" transaction.
At Sonic, in the regular drive through part (not the car stalls, but the regular drive through) they had a PIN pad built into the wall. At Jack in the Box, they have a card swiper, and an NFC reader also built into the wall.
One of the key benefits Chip & PIN brings, is that the card never leaves your hand, and if it does, the terminal is right there in front of you.
At table restaurants, the waiter will either bring the reader to you, or more recently use something like the Ziosk/iPads/etc at the table already.
The card isn't hard to use at all, in fact in the US:The right thing to do is to have your card out while you're in line and ready to go. It's still just as fast to swipe. NFC does not save any time.
The only time NFC might save time is if you're one of those people who keeps all your cards at the limit and you have to try 8 different cards until one doesn't get declined.
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I really hope TfL doesn't replace Oyster cards with an NFC phone app. You thought us tourists trying to use an Oyster card were slowing things down now? Just wait till we have to use an app
- LA metro TAP
-SF ClipperCard
-CharlieCard
-Orca
-Phoenix Valley Metro PlatinumPass
And more, and they all work the same way if you can read instructions. In fact ClipperCard and Tap are built on the same systems as Oyster (Cubic Transportation Systems), while Phoenix, and Boston T are built on Germany's system (Scheidt & Bachmann) ...notice the similarities in fare cards and ticket machines...... I say bring on the app.
The thing that gets most people with these cards is that tap at the end of your trip thing so it can properly charge you.
P.S. Even tried to tap a UK Oyster card on our rail system and it just says "Card Declined"...obviously it can read it, just doesn't know what to do with it
....it doesn't even try to read a PayPass card however so they are running on something different.
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I've seen that here too (Countdown, I'm looking at you!) although even more bizarrely it'll ask me to *swipe* after I tap.
what i find interesting around here is that somehow the terminal autheticate way, way, WAY faster when using paypass/paywave than using chip and pin.
hold the card to the terminal and it's done
At first i was rather sceptical but when you are buying some small stuff (the limit here is 25) it really speeds up the process over the normal PIN authentication where there always is a few seconds wait after entering the card in the slot and another few after entering the pin.
ideal for picking up the small stuff(fresh bread, milk etc.) on the way home after work
hold the card to the terminal and it's done
At first i was rather sceptical but when you are buying some small stuff (the limit here is 25) it really speeds up the process over the normal PIN authentication where there always is a few seconds wait after entering the card in the slot and another few after entering the pin.
ideal for picking up the small stuff(fresh bread, milk etc.) on the way home after work
The card isn't hard to use at all, in fact in the US:
- LA metro TAP
-SF ClipperCard
-CharlieCard
-Orca
-Phoenix Valley Metro PlatinumPass
And more, and they all work the same way if you can read instructions. In fact ClipperCard and Tap are built on the same systems as Oyster (Cubic Transportation Systems), while Phoenix, and Boston T are built on Germany's system (Scheidt & Bachmann) ...notice the similarities in fare cards and ticket machines...... I say bring on the app.
The thing that gets most people with these cards is that tap at the end of your trip thing so it can properly charge you.
P.S. Even tried to tap a UK Oyster card on our rail system and it just says "Card Declined"...obviously it can read it, just doesn't know what to do with it
Oyster is probably using the same payment app. I can't test it because a friend has my Oyster card right now, but I'm pretty sure.
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So, by "everyone else" you mean Walmart, some small shops with certain terminals from Chase and First Data, and maybe some Home Depots now?
That's far from everyone. Now let me name and shame some retailers near me who, like Target, have EMV terminals with the EMV function disabled: Best Buy, Wet Seal, Aeropostale, US Postal Service, Barnes and Noble, Lowes, Albertson's, Smith's, and many, many more.
The card isn't hard to use at all, in fact in the US:
- LA metro TAP
-SF ClipperCard
-CharlieCard
-Orca
-Phoenix Valley Metro PlatinumPass
And more, and they all work the same way if you can read instructions. In fact ClipperCard and Tap are built on the same systems as Oyster (Cubic Transportation Systems), while Phoenix, and Boston T are built on Germany's system (Scheidt & Bachmann) ...notice the similarities in fare cards and ticket machines...... I say bring on the app.
The thing that gets most people with these cards is that tap at the end of your trip thing so it can properly charge you.
P.S. Even tried to tap a UK Oyster card on our rail system and it just says "Card Declined"...obviously it can read it, just doesn't know what to do with it
I know how to use an Oyster card, been to London several times. They're pretty idiot proof, although tourists still manage to screw it up.
I'm saying if the physical card is replaced with NFC+phone app, things will slow down. NFC is a solution in search of a problem.
Around here, at the ferry kiosk at the small terminal I use, they just take your card and swipe it. They don't even bother to get a signature. I'm pretty sure you're on camera though.... so if the charge is disputed they have a picture of the person using it.
Vancouver is in the process of setting up an Oyster-like payment for their Skytrain system - tap in and then tap on the way out again. The readers are in place, but not yet turned on for mass use (there are some testers using the system though). Howerver, a lot of tourists are trained to use the system and get flummoxed trying to use the printed ticket or day passes on the reader. They'll stand there waving the ticket at various parts of the stile waiting for a message to them that they've tapped in successfully. Until a friendly local points out to them that the readers are, for now, just for show.
Chip and Pin?
What next USA? Colour TV?
At least we process all of our transactions the instant it takes place. I know that was one reason you guys needed Chip and PIN before we did...offline transactions
Even your streetside vendor will process your transaction over 3G to let it process instantaneously.
Point is moot now that we also have Chip and PIN
I'm a little curious about the name "chip and PIN" - did the US/UK systems not support a PIN on the magnetic stripe or something?
To me it's the same whether it's your wallet, purse, or phone. My wife waits for the total before getting her card out of her purse and that drives me NUTS. I pretty much have my card out and ready once I get in line.
Only for debit cards, not credit. The major thing is this adds a PIN to credit cards too.