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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

#91

Post by andy99 »

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

this is what first came to mind for me too. I'm in my 40s and still saw them used semi-frequently during my life. In ~2015 I actually paid using one in a taxi, that was the last time.

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

#92

Post by reaperducer »

lostlogin wrote: post #49
spullara wrote: post #7

It's a check, they have invented checks.

Are there people that like cheques? They are no longer a thing in New Zealand. It seems like something no-one would miss.

Are there people that like cheques?

For no good reason, I keep a list of why I use checks (in the U.S.):

- Charitable donations because charities maximize every penny, and electronic contributions eat into that

- Paying the accountant - Good accountants make every penny count, and aren't interested in paying credit card overhead.

- Tipping the paperboy at Christmas

- Tipping the doorman at Christmas

- Business license renewal in certain cities

- IRS payments without a fee

- Gas bill. Gas company charges $5+ to pay by credit or debit card.

- Rent. Building charges $50+ to pay by debit card, $200+ to pay by credit card.

- Electric bill. Electric company charges $5+ to pay by credit or debit card.

- Passport renewal fee (Though I believe this is finally possible with a credit card, I haven't had the opportunity to see yet.)

- My company requires me to send it a check for the amount I receive from the government for jury duty.

- My company allows me to buy computers and other equipment it no longer needs. Checks only. (And an M2 MacBook Pro for $200 woot!)

- Fee to pay for a new car title. No credit cards accepted in my jurisdiction.

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

#93

Post by wdrw »

seanalltogether wrote: post #88
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 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?

In Canada there's MyDoh, which is specifically a debit card you can give to kids including in that age range. One of the major Canadian banks runs this. Can only imagine that it's more advanced in Sweden.

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

#94

Post by CorrectHorseBat »

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…

We used to have something like this in Belgium where you could load money on your debit card:

https://en.m.wikipedia.org/wiki/Proton_(debit_card)

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

#95

Post by kerpal »

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

Yup exactly this, I had to look it up because I don't even remember what they were called but I vaguely remember seeing them in the 90s.

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

#96

Post by blibble »

huhtenberg wrote: post #27
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…

Using a card-to-card transfer of some sort of credits/units, with eventual online settlement. Using chip cards, obviously. The tech for this existed since at least mid '00s.

the original credit cards were entirely offline via paperslips

phone auth was added later for "online" auth, then machines that automated it

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

#97

Post by dijit »

daneel_w wrote: post #50
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…

> "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…

I come from the UK where not accepting cash is only ok in hipster areas of London (or, was at the time).

When I joined my gamedev studio I had colleagues asking me why I had cash, and many of them didn’t even recognise what it looked like (there was a switchover of the notes a year or two prior).

There was an insinuation that I would use it for drugs. So, I suspect that the parent is right here.

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

#98

Post by [deleted] »

Animats wrote: post #40
andy99 wrote: post #8

The idea of there being some "government approved" list of things people can buy with this is horrifying and exactly why cash should continue to exist.

People should still be able to buy food and essentials even during cyberattacks from Russia. That's what Sweden is preparing for.

[deleted]

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

#99

Post by varispeed »

daneel_w wrote: post #50
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…

> "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…

> it feels less risky carrying a debit card

Depends. Very long time ago I was approached by a group of seemingly friendly people asking for direction, then I felt sharp object to my belly and they told me to walk slowly towards cash point. They said they'll stab me if I don't withdraw all money I can. So I did. When cards were not popular, I would have small amount of cash in the wallet and anything more substantial hidden in a sock or elsewhere. Thieves would take what would be comfortable for me to lose. I guess it can be the same with cards - have a card with small amount and actual card hidden, but it is not as easy to hide as cash. Then you have whole other kettle of fish - banking apps. There's been instances of people being forced to do transfer at knifepoint. For that reason I don't use any apps, apart from throwaway bank account - again with small balance just in case. Shame more banks are restricting web access, which I think is most secure.

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

#100

Post by testing22321 »

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

I used those machines to charge cc’s at a major ski resort in California in 2004. At the end of the day I would enter all the details in an online terminal and process the charges for real.
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