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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
#82Earlier quoted context omitted.
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
We did sailing charters growing up and had one of these on the boat, I was in charge of it and the sound & feel of the CH-CHUNK is seared into my memories like nothing else. We never got any declines, but I always wondered how that reconciliation process actually worked out.
We never got any declines, but I always wondered how that reconciliation process actually worked out.
IIRC, the merchant gets paid if hitting a credit limit or similar decline reason. The card holder then gets hit with a financial penalty (usurious interest rates, or extra charges). If the card has been stolen, it ends up in a big phonebook-like book for offline use (otherwise the merchant just called it in for big purchases).
Re: Offline card payments should be possible no later than 1 July 2026
#83Earlier quoted context omitted.
On every flight I've been on recently, Internet was available to passengers. Surely a few KiB (I assume that this is what a credit or debit transaction requires) could go over this system?
US domestic? I've found it's somewhat rare to see here in the EU, but there are a few airlines that offer it.
Yes, most of my flying experience is US domestic. While I expected differences, I didn't expect this one
Re: Offline card payments should be possible no later than 1 July 2026
#84Earlier quoted context omitted.
On every flight I've been on recently, Internet was available to passengers. Surely a few KiB (I assume that this is what a credit or debit transaction requires) could go over this system?
US domestic? I've found it's somewhat rare to see here in the EU, but there are a few airlines that offer it.
all the US domestic majors have either viasat or
starlink these days.
Re: Offline card payments should be possible no later than 1 July 2026
#85Some 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…
> "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.
Re: Offline card payments should be possible no later than 1 July 2026
#86It'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…
I have grown up seeing my parents write physical paper cheques.
It's basic life goods and everything is still signed for, tracked and registered. Besides, banks love to collect interest.
Re: Offline card payments should be possible no later than 1 July 2026
#87It's a check, they have invented checks.
You nailed it. Or those old *KU-CHUNK* machines that I remember from my childhood.
I would love it if this were the solution, embossed card imprinters can work without internet and power and are both fast and intuitive. It worked as a primary method in the past, it can work as a backup method in the future.
Re: Offline card payments should be possible no later than 1 July 2026
#88Some 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 kids get pocket money in Sweden? I can't imagine grandparents handing over prepaid debit cards to 8 years old to go buy candy at the neighborhood store?
Re: Offline card payments should be possible no later than 1 July 2026
#89Extracting keys from a modern SIM card is very difficult. The cost is way above 10K USD. So a payment card in offline mode is absolutely possible as long as one limits the payments to few hundreds USD. The bigger challenge is an offline terminal that can easy accumulate tenths of USD in case of a long outage. But then compared with cards the terminal may have better protection.
What makes it over 10K USD?
In addition to the issue of microchips being inherently difficult to tamper with, smartcards have various hardware and software based anti-tampering measures, that are designed to destroy the chip, if someone attempts to extract the keys from the chip. That kind of security measures are never totally impermeable, but defeating them requires advanced equipment and skilled labour, and the R&D costs of the cracking devices need to be offset, too.
Re: Offline card payments should be possible no later than 1 July 2026
#90Some 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 kids get pocket money in Sweden? I can't imagine grandparents handing over prepaid debit cards to 8 years old to go buy candy at the neighborhood store?
I don’t know the answer, but Swish is very common.