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Apple unveils contactless payments via Tap to Pay on iPhone

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Re: Apple unveils contactless payments via Tap to Pay on iPhone

#471

Whinge: 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.

I do tap to pay, though. Contactless as in no electrical contacts and no human-to-human contacts.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#472

Earlier quoted context omitted.

For situations where laws allow for sub-standard wages, such as restaurant wait staff, I agree with you. It's not really an option, it's exhausting, there's no point. For situations that aren't codified into law like that, it can more legitimately be modulated according to how the service made you feel, from zero to "keep the change" to a couple bucks to sky's the limit. The former should be solved by abolishing tipp…

> laws allow for sub-standard wages, such as restaurant wait staff The law does not allow for sub-standard wages, however. If everyone stopped tipping today, wait staff would get the same minimum wage as any other job.

For those curious, this is accurate according to Department of Labor: https://www.dol.gov/agencies/whd/state/minimum-wage/tipped

However, I think the point being advocated in this thread is that businesses should have to pay minimum wage (before tips). That said, it would be interesting how employers would respond if that was required by law - since removing tips would not save the employer any money, I wonder if that would result in less hiring.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#473
post #326

Earlier quoted context omitted.

> Swiping pressure-sensitive paper over the raised numbers (the original method) is still possible I've seen this still happen occasionally in taxis - or rather I saw it happen within the past decade. When I last lived in the states I'd bump into it especially with rural taxis - I assume it's dying quickly though because it's incredibly inconvenient when compared to paying via an app or tapping. The lack of raised di…

I've had a lot of taxi drivers tell me they couldn't take credit cards at all. That is, until I tell them "I have no other way to pay, so I guess... later dude". Suddenly it's, "oh, oh, oh, the card reader is working again, look at that!"

I've filled up gas once for the driver in Malaysia.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#474
post #14

Clarification 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 real news is Apple specifically took a non competitive stance — making the API available to third parties like Stripe - rather than building in house, leveraging Apple Card connections, or similar

They can always take a competitive stance later, once small businesses have gotten rid of all their PoS hardware. This makes that initial adoption much easier.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#475
post #23

Earlier quoted context omitted.

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…

Something I was thinking about the other day is how some modern credit cards technically have four different ways to pay. Swiping pressure-sensitive paper over the raised numbers (the original method) is still possible, though I haven't seen a merchant actually do this since maybe the mid-2000's. Then you have magstripe, chip, and RFID all in the same card. Pretty impressive backwards compatibility, although I think…

> "Swiping pressure-sensitive paper over the raised numbers (the original method) is still possible, though I haven't seen a merchant actually do this since maybe the mid-2000's."

I've noticed all the UK-issued cards I've received in the last year or two no longer have the raised numbers. Just the same details printed in ink on the card. Quite an improvement as the card details are easier to read now!

Still seem to have the traditional (but almost never used) magnetic stripe, however.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#476
post #60

Earlier quoted context omitted.

Stripe does have a physical terminal too ( https://stripe.com/terminal ) but I've never seen it at a merchant.

Huh, I did not know that, I’ve also never seen one out in the wild.

I just recently noticed some- Jimmy John's uses the stripe Verifone reader and Toast tablets use the BBPOS Chipper (but this may not be thru stripe). These readers are "stripe-compatible," but not exclusively for stripe.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#477
post #326

Earlier quoted context omitted.

Something I was thinking about the other day is how some modern credit cards technically have four different ways to pay. Swiping pressure-sensitive paper over the raised numbers (the original method) is still possible, though I haven't seen a merchant actually do this since maybe the mid-2000's. Then you have magstripe, chip, and RFID all in the same card. Pretty impressive backwards compatibility, although I think…

> Swiping pressure-sensitive paper over the raised numbers (the original method) is still possible I've seen this still happen occasionally in taxis - or rather I saw it happen within the past decade. When I last lived in the states I'd bump into it especially with rural taxis - I assume it's dying quickly though because it's incredibly inconvenient when compared to paying via an app or tapping. The lack of raised di…

> "I wouldn't applaud it being adopted since the raised numbers make it easier to read by eye."

I disagree with this. The new-style card numbers are printed in a much more legible typeface, with more contrast than the old raised numbers. Much easier to read IMO, although the blind may disagree! I've had no issues with the ink wearing off on any of my cards.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#478

Earlier 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…

Haven’t used cash since the pandemic started in the UK. Covid encouraged even market traders and street food vendors to move to contactless payments - which were just about the final holdouts.

NZ'er here - haven't used cash for years, except when you sell something online or buy drugs.

Spend is kinda hilarious - in supermarket checkout "can I pay $150 in cash and remaining using card?" just so you don't have to deal with coins.

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