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Offline card payments should be possible no later than 1 July 2026

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Re: Offline card payments should be possible no later than 1 July 2026

#131

Post by recursive »

reaperducer wrote: post #92
lostlogin wrote: post #49

Earlier quoted context omitted.

Are there people that like cheques? They are no longer a thing in New Zealand. It seems like something no-one would miss.

Are there people that like cheques? For no good reason, I keep a list of why I use checks (in the U.S.): - Charitable donations because charities maximize every penny, and electronic contributions eat into that - Paying the accountant - Good accountants make every penny count, and aren't interested in paying credit card overhead. - Tipping the paperboy at Christmas - Tipping the doorman at Christmas - Business licens…

Not really your point, but this sounds crazy.

> My company requires me to send it a check for the amount I receive from the government for jury duty

That just sounds like something that shouldn't be allowed. I don't know the rules.

Re: Offline card payments should be possible no later than 1 July 2026

#132

Post by ErrantX »

londons_explore wrote: post #21
Aurornis wrote: post #2

> The online function shall apply to physical payment cards and accompanying PIN code when purchasing essential goods such as food, medicine and fuel. Is this a typo where they meant to say “the offline function”? If I’m reading this right, the goal is to allow food, fuel, and medicine purchases with card + PIN in offline mode. Seems like a reasonable goal. I wonder what the technical details will look like. Will the…

The card itself knows its balance and is authorised to approve transactions up to a limit fully offline. The UK already does this in some shops for low value items for NFC payments. You can tell the offline transactions because they immediately say 'approved' rather than taking a few seconds. If it turns out the card approved something 'wrongly', for example because you had previously reported the card lost to the ba…

Your card doesn't know the balance, it doesn't work like that.

Offline transactions mostly died off when the limit in the UK for contactless was raised to £100. At £20/30 (the original limits) issuers/merchants risk accept some payments not being valid (and the total limit before you had to chip and pin was fairly low top).

And worth saying, the merchant has some control on the terminal but mostly the decision of offline/online is down to the issuer and configured on the card.

Re: Offline card payments should be possible no later than 1 July 2026

#133

Post by rjdj377dhabsn »

samus wrote: post #23
ciupicri wrote: post #14

Earlier quoted context omitted.

What cryptocurrencies work offline without Internet access to the ledger?

All of them? As long as eventually the connection is restored and the transaction can propagate over the network.

Doesn't Solana require the hash of a recent (~ 1 minute) block before signing?

Re: Offline card payments should be possible no later than 1 July 2026

#134

Post by rkomorn »

upcoming-sesame wrote: post #127

Here in southern Europe on the other hand, cash is a crucial part of the tax evasion economy

Somewhat tangential (sorry), but in my part of southern Europe, cash change machines seem to be getting close to ubiquitous.

I wonder if that hinders tax evasion at all since there's presumably a pretty reliable paper trail of cash transactions.

Re: Offline card payments should be possible no later than 1 July 2026

#135

Post by spullara »

reaperducer wrote: post #92
lostlogin wrote: post #49

Earlier quoted context omitted.

Are there people that like cheques? They are no longer a thing in New Zealand. It seems like something no-one would miss.

Are there people that like cheques? For no good reason, I keep a list of why I use checks (in the U.S.): - Charitable donations because charities maximize every penny, and electronic contributions eat into that - Paying the accountant - Good accountants make every penny count, and aren't interested in paying credit card overhead. - Tipping the paperboy at Christmas - Tipping the doorman at Christmas - Business licens…

most of these are related to the high credit card fees we have in the US to support the card points programs. in EU for example, the fees are 10% of ours.

Re: Offline card payments should be possible no later than 1 July 2026

#136

Post by maccard »

dijit wrote: post #97
daneel_w wrote: post #50

Earlier quoted context omitted.

> "It's usually not said out loud, but cash is often considered to be dirty and criminal ..." Are you sure this isn't impression you've gotten from isolated reactions involving a small number of individuals, perhaps just a single individual? I can't relate to the sentiment at all, having lived here for just over three decades and experiencing the popularity shift from cash to debit card. I can, in fact, not recall a…

I come from the UK where not accepting cash is only ok in hipster areas of London (or, was at the time). When I joined my gamedev studio I had colleagues asking me why I had cash, and many of them didn’t even recognise what it looked like (there was a switchover of the notes a year or two prior). There was an insinuation that I would use it for drugs. So, I suspect that the parent is right here.

this is definitely more widepsread than you imagine in the UK. Most major cities are heading in the cashless direction - the only time I use cash is for my window cleaner.

Re: Offline card payments should be possible no later than 1 July 2026

#138

Post by dcminter »

ccppurcell wrote: post #85
daneel_w wrote: post #50

Earlier quoted context omitted.

> "It's usually not said out loud, but cash is often considered to be dirty and criminal ..." Are you sure this isn't impression you've gotten from isolated reactions involving a small number of individuals, perhaps just a single individual? I can't relate to the sentiment at all, having lived here for just over three decades and experiencing the popularity shift from cash to debit card. I can, in fact, not recall a…

You are right I think. I lived in Finland and rarely used cash. Even people selling their clothes at pop up second hand markets seemed to be able to take card. It has nothing to do with criminality, just culture. Germans use cash a lot and it's harder for me now I live outside the eurozone to go there.

Most Swedes have Swish (mobile payments) so fleamarkets etc. mostly require that. Before I had my Swedish bank account set up (so six years ago) and thus BankId & Swish I often had to get my partner to pay for things even though I had a Visa card and Swedish cash.

Re: Offline card payments should be possible no later than 1 July 2026

#139

Post by reaperducer »

recursive wrote: post #131
reaperducer wrote: post #92

Earlier quoted context omitted.

Are there people that like cheques? For no good reason, I keep a list of why I use checks (in the U.S.): - Charitable donations because charities maximize every penny, and electronic contributions eat into that - Paying the accountant - Good accountants make every penny count, and aren't interested in paying credit card overhead. - Tipping the paperboy at Christmas - Tipping the doorman at Christmas - Business licens…

Not really your point, but this sounds crazy. > My company requires me to send it a check for the amount I receive from the government for jury duty That just sounds like something that shouldn't be allowed. I don't know the rules.

Some states permit it, some do not.

My company claims that allowing me to have both my regular pay and the government pay would be considered an over-payment, and the accountants say it triggers all kinds of messy things.

However, at the same time, it is illegal to do this in some American states where we have offices. So it must somehow be possible for the accountants to allow it.

Re: Offline card payments should be possible no later than 1 July 2026

#140

Post by eszed »

jazzyjackson wrote: post #12
mrtksn wrote: post #9

It's not about paying by cash but paying by card offline. How is this going to be implemented I wonder. On planes they often accept credit cards even when there's no internet. I assume this is a trust in-credit-based system because they don't accept debit cards, i.e. if you are worth being trusted with a card you can have your sandwich now and we will take care of the bank processing once we are on the ground. So may…

Restaurant POCs have an offline mode. They had to ask my zip code so I suppose it just counts as a "card not present" transaction that goes through later. Does present the question of whether that data is temporarily stored unencrypted or if it's immediately encrypted to be sent to the bank when it comes online

I, for my sins, have had to read PCI certification standards, and they're required to be encrypted, or not stored at all. Not that every implementation follows that, of course, but that's the expectation.
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