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Apple unveils contactless payments via Tap to Pay on iPhone
151–160 of 736 posts
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#152I was using my phone for contactless pay but stopped during the pandemic because I realized it was more cumbersome than using a credit card to do the same thing. The phone tries to scan my face, fails because of the mask, then just waits for a hot second to see if my face might change shape, then prompts for a password. With the credit card, I just swipe it over the reader and I'm done.
Thankfully in iOS 15.4 (currently in beta), Face ID works with a mask on by scanning the shit out of your orbital bones
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#153Earlier quoted context omitted.
EU has contactless paying for a while now, but it uses a chip embedded in the bank card.
Yep, and I haven’t ‘dipped’ a card for years now to pay. With the high value payments going up for contactless, I might forget my pin code altogether.
At least in the UK, the increase in the contactless limit is accompanied by an increase in the frequency at which you're asked to confirm your card using chip+pin.
However, most merchants now have terminals that accept contactless mobile payments without a limit -- Tesco were one of the last to upgrade. So if you pay with your phone then you're back at risk of forgetting your pin.
I'd quite like it if there were some mechanism for setting device spend limits, as my smartwatch will do payments but with only a pattern for security it doesn't matter that I'd be happy only using it for sub-£5 payments: it'll quite happily authorise much more.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#154Earlier quoted context omitted.
EU has contactless paying for a while now, but it uses a chip embedded in the bank card.
I studied abroad in France in 2012--at this time, all European card readers had been chip-based for quite a while and my US credit card didn't have one. I couldn't figure out how to use them and many store clerks had no idea what to do with my magnetic-strip credit card. I went to England in 2019, at which point cards in the US had been updated to use magnetic stripes, and everyone was using tap-to-pay. It turns out…
In Turkey you can move around almost cashless now. Taxis started to accept cards in droves due to the pandemic and some municipalities are integrating VISA/Master infra to the mass transport, so you can just travel with your card.
Besides that, literally everywhere allows contactless payments. Even Visa/Master is changing their card designs to move vital information to the back of the card to prevent information theft via hidden cameras or a very keen eye.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#155Whinge: but the term "Tap to Pay" winds me up. "Hover to Pay" maybe, or "Contactless" makes sense. But tap the card reader with your card and you disturb the touchscreen and cancel the payment. Don't tap it's a trick.
Yeah, I never understood why "tap" and "contactless" became synonymous in this context, given that "tap" is an onomatopoeia for the sound of two objects making contact . Is it possible that "contactless" actually refers to lack of electrical contacts (i.e., not using the gold pads)? We already have plenty of words for this idea: radio, wireless, inductive. Or is the intent to mean no physical contact whatsoever such…
It’s not of both; significance of contactless technology that are used in Tap to [__] is that they require neither electrical nor physical connections. There are other RF-based technologies that require no conductive surfaces but some sort of mechanical touches.
The reason why the users are instructed to slam the card or device is because users fail to perform required actions if simply told to hold the card or phones just right. Spatial cognition isn’t a forte for many.
The reason why tap is used in VISA contactless over touch is probably because Suica system used by JR East uses the phrase “Suica is touch 1-second”.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#156Earlier quoted context omitted.
I studied abroad in France in 2012--at this time, all European card readers had been chip-based for quite a while and my US credit card didn't have one. I couldn't figure out how to use them and many store clerks had no idea what to do with my magnetic-strip credit card. I went to England in 2019, at which point cards in the US had been updated to use magnetic stripes, and everyone was using tap-to-pay. It turns out…
We in The Netherlands are one of the most cashless societies in Europe. We mostly pay with our mobiles or contactless with banking cards. We even are "going Dutch" sharing our bills with what we call a Tikkie: One person pays the bill and then we send over instant messaging our payment request for money which can be payed directly with one click and authentication in banking app. One thing that is annoying for foreig…
Can’t speak for other countries, but in France and Northern Italy this is the same: contactless cards everywhere. I live in France and --I have to check my banking app to check this because I don’t remember-- the last time I went to a cash machine was almost one year ago.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#157Clarification due to a somewhat confusing title: This is about the merchant using an iPhone to accept credit cards and other Tap to Pay devices. The customer was able to pay with Tap to Pay with their iPhone for a while now.
The long slow road to contactless payments. Almost 2 decades along in the technology adoption curve. I was ready for this in 2005. https://money.howstuffworks.com/personal-finance/debt-manage... If course as the article points out, it wasn’t even new technology back then: “ Not Exactly New Tech Mobile introduced the Speedpass in 1997. Speedpass is a small device on a keychain (called a fob) that users wave in front o…
Technically Speedpass was RFID, Apple Pay and most modern tap-to-pay tech uses NFC
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#158I was using my phone for contactless pay but stopped during the pandemic because I realized it was more cumbersome than using a credit card to do the same thing. The phone tries to scan my face, fails because of the mask, then just waits for a hot second to see if my face might change shape, then prompts for a password. With the credit card, I just swipe it over the reader and I'm done.
You can configure your iPhone not to use FaceID for Apple Pay only. That's what I did for the same reason as you. I just quickly enter my PIN to use Apple Pay.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#159Kinda weird. If a rando retail person pulls out their iPhone and asks me to tap... that's kinda strange in my mind. Something about "how do I know that isn't their personal phone?" would pop in my head. But things that seem awkward can become commonplace.
> how do I know that isn't their personal phone?
Why would that be a concern to you?
Either way you pay, get receipt, take your goods, and leave. It's not like you are stealing.
Are you worried the clerk would MITM your payment and leave you without normal return/refund policy, since it wasn't a legit transaction?
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#160I was using my phone for contactless pay but stopped during the pandemic because I realized it was more cumbersome than using a credit card to do the same thing. The phone tries to scan my face, fails because of the mask, then just waits for a hot second to see if my face might change shape, then prompts for a password. With the credit card, I just swipe it over the reader and I'm done.
You can use a contactless physical card too. No need to use an outdated insecure mag strip.
Apple-style solution to this is to buy Apple Watch which authorizes payments without face scanning.