531–540 of 541 posts
"Mikiah Westbrooks, the owner of Brix, a wine bar in Detroit, said she worried that skipping signatures will affect her workers' tips." May tips disappear next.
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It's interesting that this opinion is shared by pretty much zero servers. Servers (I was one) love tipping because, generally speaking, though there may be ups and downs, you are making tremendously more money than you would be otherwise (in the kitchen, for example) and often tax-free. A lot of complaints about the "awkwardness" of it pop up in threads like this, which just makes me wonder if the increasingly transa…
> Otherwise, many of the comments are about "helping" the servers, who, I assure you, do not want this "help." I would imagine you are right, in that the servers don't imagine they would earn as much without tips. But what if the choice was between earning as much as they do now (after tax), but predictably every month and without having to suck up to anyone? Maybe some servers think trying to get extra tips are part…
This is such a weird way of framing it, I don't really know what to say. As a server, I never "sucked up". I just tried to be personable and helpful, because I like helping people. Now that I'm a programmer am I "sucking up" because I am being personable and helpful with the customers here? Am I "sucking up" to my boss when I show up for work on time or stay late to help the team? It's hard for me not to see in this mentality some kind of aversion to normal social interaction or maybe some kind of pride. Unless you are already self-sufficiently wealthy, you're "sucking up" to someone. If anything, I could be (and sometimes was!) much ruder to a customer than I would have ever been to someone responsible for a multi-million dollar software contract or my direct supervisor.
And yeah, sure, if you could somehow guarantee me that I would make the same amount of money, except consistently on a daily basis, I don't see any problem with that...but why would servers deserves drastically higher wage than kitchen staff or management? Or are we going to mandate a massive hike in the minimum wage and simply suck it up now that going out costs much more, because now the cost of non-server labor dramatically increased? I'm all for a hike, but we're talking about a massive hike.
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In Sweden, signatures are available opt-in, but many stores get confused if you press the button for it. –"The system says 'signature needed', was that intentional?" It _is_ practical though, if you forget your pin code and need to pay something. It used to be very common in bars/clubs too, at least before contact-free cards, to speed up the payments.
In the UK, I don't think you can opt to sign instead of enter a PIN if it's a PIN terminal and your card has a PIN set. Only if it doesn't have a PIN (as with American cards) will it then automatically ask for a signature. Isn't allowing the user to opt to just bypass the PIN a bit of a security hole? There are a handful of places in the UK that don't have PIN terminals at all and do classic swipe-and-sign transactio…
That's a valid point of view, but I actually believe that the business is taking (the bulk of) the risk. In case of a chargeback, the business has to prove that I made the purchase, and a PIN is better evidence that I actually made it compared to just a signature.
This means that businesses might accept signature only for relatively low amounts. Indeed, it's not uncommon that neither is needed for amounts under a couple of lunches or so, to make lunch queues quicker. I assume the throughput is sometimes worth the risk.
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Never had any of this happen, it's quicker and easier than even using contactless credit cards for me. And it's becoming really commonplace in the UK. 1) You've never unlocked your phone before? How weird. 2) How broken is your phone? Never had this issue (I use android pay multiple times per day) 3) This is unusual, to the point of not being a thing here - Applepay is compatible with contactless EMV, as is Android P…
I use android pay when it's available in the US, but the first time you encounter any specific reader, there's a learning curve. By "reader", it should be obvious we mean the reader that is in the store that you tap your phone or slide your card into, not the fingerprint reader on your phone. Most of them look like this: https://en.wikipedia.org/wiki/Payment_terminal#/media/File:P... and will occasionally have a cont…
That last Ingenico is, IMHO, very poorly designed as it hides them.
In the UK (for instance) they almost all look like this one with virtual LEDs on screen -
https://metrouk2.files.wordpress.com/2016/07/ad_214433704.jp...
or this -
https://cdn.barcodesinc.com/images/models/lg/Ingenico/ipp320...
The NFC area is consistently at the top, and is consistently visible. If the standards aren't being followed in the US reader market then clearly that's not going to help anyone, but it's just more evidence that the US credit card technology market is outdated and a very weird outlier.
I once saw a cashier compare the signature on the back of the card (There is a little field for "signature" on the back of credit cards) - to the one I signed. When I noticed I hadn't signed my card he said he couldn't accept my purchase, so I had to sign the card first, then he could compare the signature...
In the UK cards still have a signature strip on the back and if a merchant notices you haven't signed your card they legally have to refuse to accept it. I rarely remember to sign my cards and this tripped me up one time last year when trying to return something to a store which I'd bought online with my credit card. I had to leave the store, buy a pen, sign the card and re-enter the store.
I recently got a new credit card and nowhere does it say to sign the back.
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It depends on the receipt, but many receipts do say that you agree to pay for the purchase in accordance with the cardholder agreement, or some such wording. This has been decreasingly common in recent years, and I don't know the requirements, but it's not gone. You're right about the old myth you cite. The cardholder agreements are usually accepted either by signing the card or by using it.
The wording is highly dependent on the country. I don't think I've seen that in Australia in a long long time, on the rare occasion that I've had to sign rather than use PIN or contactless, but I've been in Asia for the past three weeks and did a lot of signing for my card with wording that sounds like that.
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> The dangerous ones are those that take tiny amounts monthly that you just won't notice. Wait, what? How are you not going to notice? Every transaction is a line on your statement which, I think, all banks issue monthly. Besides, if you have a computer, you can download all transactions (to Quicken or similar software) every day or two and verify all your new transactions. If you have a phone, Many banks and cards c…
Most statements (at least in the US) have very cryptic descriptions though. For example there might be an entry for EPC #008 for $2.95, and by deduction I can figure out that is the identifier for the coffee kiosk in the lobby of my building, but there is no way I would be be able to identify all transactions. Normally it doesn't really matter except for large transactions which I would remember. I can see a small fr…
Thanks to this I caught a fraudulent online transaction for 1.2 million columbian pesos(?) and was able to block my card immediately after.
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Yes can we please get rid of tipping and pay waiters and staff what they should be earning? Build the price into the menu and let the market decide the price. Too expensive? You will lose customers. Too cheap? You will have lines out the door and you know you can increase prices. The rest of the world does not tip (Europe & Asia). Only in North America is this awkward tipping practice still a thing.
Tipping still happens in Europe and SE Asia it's just not silly like North America. In the UK we'd leave a few pounds typically, let's say table bill was 47gbp, you have be a shameless mingebag to collect the 3gbp change if you were happy with the meal and service. But we don't subscribe to the non sense of 10% tip if unhappy, 15-20% if happy, if crap you don't leave a tip or pay service charge.
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And what am I supposed to do about it? My point is - in US not tipping felt like being an absolute asshole, to a point where people would be upset - they grew up in a culture that values money above all else and not being tipped is I don't know, an equivalent of being spat in the face? In UK I've never felt that way. I've had perfectly good meals that I didn't tip on, just like I did in France, Spain or Germany and i…
The reaction in the US isn't based upon some cultural obsession with money. Wait staff in the US is paid differently than in other countries. Wait staff in the US is largely paid the minimum hourly rate for tipped employees which is $2.13 an hour. It is expected that the majority of their income will be earned through tips.
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Seems like NFC benefits banks just as much as chips then. That's not nothing.
Yes, chip provides an almost negligible benefit over magnet stripe, and for the bank, NFC provides the exact same benefits as chip. My point was that NFC provides no benefit over chip.
Apple pay and Samsung pay have contact free payments, and it's also more secure than signatures.
But as new payment infrastructure is expensive they will just move if they have to. Perhaps too slow, as their competitor are gnawing at their profit margins.
