Anyone using Google/Apple/ Samsung Pay for their purchases?

[WelshBloke]

Haha. You suck at quoting .

Mad patient came and snuck up on me!

 

[foghorn67]

Mad patient came and snuck up on me!

Elbow to the jaw!

 

[Ichinisan]

....

Insurance isn't free. Transaction costs to the retailer are higher and prices are higher as a result of that.

 

[WelshBloke]

Haha. You suck at quoting
Anyway, bank fees, hidden. It cost money to insure. It's not free to them so you will never see it as a direct charge.
Simple, really.

What I was going to say was its as free to me as any other payment type so why should I care?

 

[ControlD]

There just aren't very many places around here that accept phone payments. Perhaps that will change in the future and I will embrace the technology. For now I am just happy that most of the stores are finally switching over to the chip readers rather than requiring a card swipe.

 

[foghorn67]

What I was going to say was its as free to me as any other payment type so why should I care?

Above post by Itchy.

 

[Ichinisan]

What I was going to say was its as free to me as any other payment type so why should I care?

Why should you care that fraud-reducing technology will lead to lower prices? Gee. I don't know. I'll have to think about that for a while. That's a tough question!

 

[WelshBloke]

Do people still steal iPhones? With iCloud lock and Touch ID, they should be practically worthless to thieves except as replacement parts.

Maybe not, but people certainly drop them.

I bet my card beats your phone in any drop test you want!

 

[ControlD]

Why should you care that fraud-reducing technology will lead to lower prices? Gee. I don't know. I'll have to think about that for a while. That's a tough question!

Do you actually believe that lower fraud will have stores reducing the prices people are already willing to pay? Call me cynical, but I have a feeling the money saved by those companies will go straight into their pockets.

 

[foghorn67]

Do you actually believe that lower fraud will have stores reducing the prices people are already willing to pay? Call me cynical, but I have a feeling the money saved by those companies will go straight into their pockets.

You really trust systems you can't explain a LOT. Have you read the fine print on your card holder agreement? It's pretty vague on the recovery process. You are putting your money on the intentionally cloudy legalities maze that they can hide behind on a whim.

 

[ControlD]

You really trust systems you can't explain a LOT. Have you read the fine print on your card holder agreement? It's pretty vague on the recovery process. You are putting your money on the intentionally cloudy legalities maze that they can hide behind on a whim.

I'm not saying I trust anything. I just don't think the savings from people switching over to a new payment method will result in more money in my pocket, that's all.

For the record, I welcome more secure payment methods. I have had my credit card number pinched 3-4 times and we are still recovering from my wife's identity being stolen. If phone pay makes that less likely then I embrace it. For me, the fact is almost nowhere here accepts it yet outside of a few major retailers that I don't visit that often.

 

[foghorn67]

I'm not saying I trust anything. I just don't think the savings from people switching over to a new payment method will result in more money in my pocket, that's all.

For the record, I welcome more secure payment methods. I have had my credit card number pinched 3-4 times and we are still recovering from my wife's identity being stolen. If phone pay makes that less likely then I embrace it. For me, the fact is almost nowhere here accepts it yet outside of a few major retailers that I don't visit that often.

If people would read what Samsung Pay does. It doesn't need NFC or Apple or Android Pay. If you see a credit card swiping a mag strip, boom, there you go.
Samsung Pay works with that.
Protect yourself.

 

[WelshBloke]

Why should you care that fraud-reducing technology will lead to lower prices? Gee. I don't know. I'll have to think about that for a while. That's a tough question!

If you believed that you would be arguing that American banks should move to secure chip and pin cards and issue them free to customers not that customers should buy $600 phones and use those.

 

[ControlD]

If people would read what Samsung Pay does. It doesn't need NFC or Apple or Android Pay. If you see a credit card swiping a mag strip, boom, there you go.
Samsung Pay works with that.
Protect yourself.

Cool. I didn't know that. I will check it out!

Nevermind. Not compatible with my phone. If Verizon ever sees fit to update my Gear S2 I can use that it seems. I'm not holding my breath waiting for an update from those guys however.

 

[foghorn67]

If you believed that you would be arguing that American banks should move to secure chip and pin cards and issue them free to customers not that customers should buy $600 phones and use those.

They already switched. It's the dumb cc processors and the dumb management of most stores. You would think Target would have been first, by they were not. Dumb.
Edit, chip and pin. We at least have chip, but it's a slow adoption wait. Because dumb people.
Chip and pin would make heads explode.

 

[WelshBloke]

If people would read what Samsung Pay does. It doesn't need NFC or Apple or Android Pay. If you see a credit card swiping a mag strip, boom, there you go.
Samsung Pay works with that.
Protect yourself.

Mag strips need to die not be put on life support.

 

[foghorn67]

Mag strips need to die not be put on life support.

But it's not dying. That's the problem.

 

[WelshBloke]

But it's not dying. That's the problem.

Tis dead here. The only people who can use it are foreigners from backwards nations.

 

[Ichinisan]

If you believed that you would be arguing that American banks should move to secure chip and pin cards and issue them free to customers not that customers should buy $600 phones and use those.

Yes. I do believe American banks and retailers should migrate to chip and PIN for their physical cards. I also believe Apple Pay is better, easier, more convenient, and more secure.

People don't buy phones exclusively to replace credit cards. They already have these smartphones.

 

[Brainonska511]

No. I don't see using a phone as any more convenient over pulling my wallet and using a card from my wallet.

 

[WelshBloke]

Yes. I do believe American banks and retailers should migrate to chip and PIN for their physical cards. I also believe Apple Pay is better, easier, more convenient, and more secure.

I've the option to use contactless on my card or phone pretty much everywhere. I always end up using my card. It's just easier to slap a card against a reader particularly if you're on the move.

People don't buy phones exclusively to replace credit cards. They already have these smartphones.

Everyone has a smartphone that does contactless? Maybe you can buy my mum one, then teach her how to use it.