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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

#201

Post by hattmall »

schoen wrote: post #185
HWR_14 wrote: post #183

Earlier quoted context omitted.

Is that just because it's an unpopular bill? Most Americans have probably never used a $50 bill either.

Not once in their entire lives?

I'm not even sure if that I knew there was a $50 bill. And that's as an American of 30+ years that uses cash routinely. Multiple times I've cashed checks and gotten it all in 2's, but honestly can't ever remember a $50 bill. I always have at least one $100 bill in my wallet and don't ever recall getting a $50 in change, has to be the least common note. But now I'm thinking waaaaay back and does the President on it have a big mustache? Time to see what a $50 looks like.

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

#202

Post by [deleted] »

pas wrote: post #187
jobigoud wrote: post #170

Earlier quoted context omitted.

How do you pay for things that are just one or two euros? In my local boulangerie they don't accept cards for less than 5€, so if I just want a baguette I need to have cash.

I assume there's no minimum there (as I haven't encountered such a requirement in Hungary for some time, nor in Spain)

[deleted]

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

#203

Post by joshvm »

sitharus wrote: post #154
Etheryte wrote: post #5

Some context might be useful here. I spent some time living Sweden not too long ago and Swedes practically don't use cash. It's usually not said out loud, but cash is often considered to be dirty and criminal, to the point that most don't have any at all. Digital payments are very convenient and deeply integrated, so long as you have a local ID which allows you use the local payment system Swish etc. This worked nice…

We hardly use cash in New Zealand, over 85% of transactions are electronic. There’s a lot of places that don’t accept cash anymore because cash handling is annoying and risky. That said, nobody thinks of cash as dirty, just annoying. Also our payment system has always been able to work offline, because it started rolling out in the 80s.

I've visited New Zealand a few times en route to Antarctica. The only time I've ever needed to take out cash was for the Christchurch bus service. I was in MIQ on the way in, but they gave us free reign on the way out because Antarctica was considered virus-free (and according to immigration NZ, it counts as the Ross Dependency). There was obviously a lot of push for contactless payments in 2021. I get the impression that the pandemic helped really cement it, although it sounds like the UK where we've had widespread contactless for almost 20 years.

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

#204

Post by basisword »

jobigoud wrote: post #170
Etheryte wrote: post #5

Some context might be useful here. I spent some time living Sweden not too long ago and Swedes practically don't use cash. It's usually not said out loud, but cash is often considered to be dirty and criminal, to the point that most don't have any at all. Digital payments are very convenient and deeply integrated, so long as you have a local ID which allows you use the local payment system Swish etc. This worked nice…

How do you pay for things that are just one or two euros? In my local boulangerie they don't accept cards for less than 5€, so if I just want a baguette I need to have cash.

In the UK most small shops had this same 'minimum spend' requirement for card. It disappeared a few years ago (maybe during Covid) and now I haven't come across minimum spend in a long time. That was one of the last things that made me always keep some cash on hand. Now, I genuinely cannot remember the last time I used cash - it's been at least 2-3 years, probably longer.

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

#205

Post by notahacker »

pjmlp wrote: post #18
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…

Exactly like that most likely, I am old enough to remember those machines where credit cards left their mark on the receipt, that is why their numbers are higher than the card. Here, https://en.m.wikipedia.org/wiki/Credit_card_imprinter

Had a taxi driver in Melbourne who used one of those to take me to the airport in 2009

Gave me a bit of a surprise when he cashed in the paper copy two years later and I hadn't been to Australia since...

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

#206

Post by cheema33 »

Etheryte wrote: post #5

Some context might be useful here. I spent some time living Sweden not too long ago and Swedes practically don't use cash. It's usually not said out loud, but cash is often considered to be dirty and criminal, to the point that most don't have any at all. Digital payments are very convenient and deeply integrated, so long as you have a local ID which allows you use the local payment system Swish etc. This worked nice…

> Swedes practically don't use cash

It is interesting how the European cash culture is so very different between the countries. In Austria I struggled to find places that would take any kind of digital payments. Germany wasn't as bad, but was pretty bad. My experience is about 3 years old.

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

#208

Post by jhbadger »

tdeck wrote: post #182
blurrybird wrote: post #173

Earlier quoted context omitted.

FWIW I am Australian and we have a similar adoption rate of cashless payments. If a merchant tries to promote cash options I immediately think they’re doing it for tax evasion reasons - not because of the touted reason that “card payments cost more to process” (they don’t once you factor in the cost of handling cash).

I think the same thing in the US about small businesses that only take cash, but it's still pretty normal to use cash in the US.

People forget that the credit card companies charge businesses to process transactions. Some stores/restaurants even give discounts for paying in cash because of this.

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

#209

Post by dgfitz »

schoen wrote: post #185
HWR_14 wrote: post #183

Earlier quoted context omitted.

Is that just because it's an unpopular bill? Most Americans have probably never used a $50 bill either.

Not once in their entire lives?

It would be a "unique" situation. Most AMTs (not all, but most) only dispense $20 bills, the rarer ones will dispense $5s or $10s, and they're rare enough that I make a note of them. I have never encountered an ATM that gives a $50.

Your best bet of happening into a $50 is if you go to a bank for an in-person withdraw and they ask you for preferred denominations. Generally the money is dispensed in $20s even there unless specified.

Your second best bet would be if you're selling something "on the side" and the purchaser uses a $50 in a transaction, which I would say is also rare these days, most people use Venmo or equiv.

Your best bet of handling a $50 is probably as a bartender, or of course as a bank teller.

I have held $50s a few times in my life, and even my reaction is "huh, a $50, don't see those often"

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

#210

Post by encrypted_bird »

HWR_14 wrote: post #183
gambiting wrote: post #142

Earlier quoted context omitted.

I'm in the UK and I have friends who will tell you hand on heart that they have never handled a £50 note. They know they exist but they haven't had one.

Is that just because it's an unpopular bill? Most Americans have probably never used a $50 bill either.

I would very much disagree with the latter assertion. I work as a cashier, and I get 50s and 100s _all the time_. I wish they'd stop because it drains my till very fast. Lol.
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