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Swiping left on magnetic stripes

mastercard.com

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Re: Swiping left on magnetic stripes

#121

Post by asdff »

kergonath wrote: post #111
nashashmi wrote: post #51

Of the three modes nfc is my favorite, takes less time, but also works less reliably. Chip takes the longest time. And I keep removing it early out of habit. And stripe is the least used. But works the best.

Yeah, it was very confusing the first time I went to the US for more than a couple of days. When getting some cash, I was used to putting the card in ATMs and leave it there during the operation. In the US, the ATM did nothing before I took the card out. When I came back I kept pulling the card early.

That is to help you so you don't forget your card in the ATM after you finish your business.

Re: Swiping left on magnetic stripes

#122

Post by yakz »

perardi wrote: post #87

Why wouldn’t everywhere be supporting contactless payments by this point? And that’s not me being snippy, because perplexingly, Mariano’s, a grocery store chain in Chicago owned by Kroger’s, does not support NFC payments. (I assume Kroger’s stores proper don’t either.) You have to swipe, use the chip, or use the dedicated Kroger Pay app to scan a QR code to use your digital wallet. (Yes, really. Took them forever to…

I've been shopping at Kroger regularly for decades and my guess is that it might have something to do with the timing around their last major payment terminal upgrade. They upgraded before NFC payments were very popular but fairly close to when they really needed to support chip cards (my recollection was that the payment networks were saying they would no longer insure against fraud without a chip terminal), and it seems like for whatever reason they went with a terminal that didn't support it.

I remember being annoyed with seeing all of the seemingly brand-new hardware being installed at multiple locations that very obviously lacked NFC payment support.

Re: Swiping left on magnetic stripes

#124

Post by yakz »

paxys wrote: post #114
perardi wrote: post #87

Why wouldn’t everywhere be supporting contactless payments by this point? And that’s not me being snippy, because perplexingly, Mariano’s, a grocery store chain in Chicago owned by Kroger’s, does not support NFC payments. (I assume Kroger’s stores proper don’t either.) You have to swipe, use the chip, or use the dedicated Kroger Pay app to scan a QR code to use your digital wallet. (Yes, really. Took them forever to…

Because these chains have decades old point of sales systems which no one wants to touch. It isn't simply a matter of swapping out one card reader for another.

They did swap out all of the payment terminals, though. Just for ones without that functionality. However, I could believe that they selected the hardware because they were stuck with choices that were compatible with other systems. Kroger is a big company with quite a lot of resources, though.

Re: Swiping left on magnetic stripes

#125

Post by leesalminen »

paxys wrote: post #114
perardi wrote: post #87

Why wouldn’t everywhere be supporting contactless payments by this point? And that’s not me being snippy, because perplexingly, Mariano’s, a grocery store chain in Chicago owned by Kroger’s, does not support NFC payments. (I assume Kroger’s stores proper don’t either.) You have to swipe, use the chip, or use the dedicated Kroger Pay app to scan a QR code to use your digital wallet. (Yes, really. Took them forever to…

Because these chains have decades old point of sales systems which no one wants to touch. It isn't simply a matter of swapping out one card reader for another.

Kroger brand stores have terminals that support contactless. Their self checkout lanes get new hardware and/or software every couple of years.

I’ve worked with many payment gateways over the years and enabling contactless on a stack that already did EMV never required a code change on the POS system. The terminal just passes the same data along to the POS.

I’m convinced there’s some fees at play here. The standout to me is how they push Kroger Pay - that’s to save on processing fees.

Re: Swiping left on magnetic stripes

#126

Post by tpmx »

Reventlov wrote: post #96
tpmx wrote: post #88

Earlier quoted context omitted.

Real-world demo: https://play.google.com/store/apps/details?id=com.github.dev...

Well… This kind of data you access with this app is not used to do contact-less payments.

Show me? (Genuinly curious; I'm not claiming to be an expert in this field.)

Re: Swiping left on magnetic stripes

#128

Post by modeless »

swiley wrote: post #54
modeless wrote: post #42

Earlier quoted context omitted.

No, they're for the merchant. They don't benefit me at all. But merchants were supposed to stop requiring them by now.

They're supposed to help you locate fraudulent transactions after your card is stolen. I guess that benefits the merchant because it makes you less likely to mark legitimate transactions as fraudulent.

No, you can't see the signatures, so they don't help you locate fraudulent transactions. What they do is provide a defense for the merchant against you. If you try to say you didn't authorize the charge, then the merchant can produce the signature as proof that you did. The signature is never evidence that you weren't there. Even if it is someone else's name, that doesn't prove anything, so it never benefits you.

Re: Swiping left on magnetic stripes

#129

Post by brnt »

drclau wrote: post #12

Why does it take so long? Where’s the bottleneck? Where I lived over the last years (two countries in Europe), I don’t even have to use the physical card. I just use contactless payments with the phone. Prior to that, it was contactless with card. Even ATMs work with contactless (not all, yet). Prior to that, it was chip. I honestly don’t even recall the time when the magnetic stripe was needed. (edit) Think of this:…

Havnt used a magnetic strip in a decade. It's something from childhood!

Re: Swiping left on magnetic stripes

#130

Post by kergonath »

moviuro wrote: post #115
drclau wrote: post #12

Why does it take so long? Where’s the bottleneck? Where I lived over the last years (two countries in Europe), I don’t even have to use the physical card. I just use contactless payments with the phone. Prior to that, it was contactless with card. Even ATMs work with contactless (not all, yet). Prior to that, it was chip. I honestly don’t even recall the time when the magnetic stripe was needed. (edit) Think of this:…

Highway tolls didn't have contactless in France until 2016 at best . It's getting better now. https://www.autoplus.fr/securite-routiere/peages-le-paiement... - only 20 contactless toll gates in all of France in 2016 (gates, not tolls).

They seem to be everywhere now.

France was the earliest adopter for chip and chip+pin, but they have been somewhat late to the contactless party (for a EU country).

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