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> The whole rest of the world uses this without a problem. Not really true. The rest of the world has had it and moved on, and this is a main reason why. In m

> The whole rest of the world uses this without a problem. Not really true. The rest of the world has had it and moved on, and this is a main reason why. In my country at least, we're now on to tap-to-pay credit and debit cards in recent years, which is faster than the old school swipe and sign and much faster than the chip.

seanp2k2 10y ago
Bay Area is just now getting chip readers active in many places. They started installing them a year ago or so, but many had the slot taped off. The experience now at most places goes something like this: 1. cashier done scanning items 2. person swipes card since reader has a slot to do that on the right side and that's what they usually do 3. machine beeps or displays an error or does nothing 4. cashier has to explain to insert the card 5. person fumbles with card, eventually getting it into slot 6. sometimes people just push it in and pull it out or otherwise don't leave it in long enough since every single POS has a different workflow and dialogue for this, and this error condition requires re-starting the process (GOTO 3) 7. Waiting 3-10+ seconds 8. Sign 9. Hit yes or accept or I agree 10. Wait another few seconds 11. Remove or forget card. Sometimes the machine beeps, sometimes not 12. Done! Despite all this hassle, we still didn't get chip and pin that I had been complaining about for years, so if someone steals your physical card, they can still use it until you realize. I'm not really sure how this whole process improves security (does the actual CC number no longer enter the POS at any point?) but consumers here are definitely having some growing pains with the new system and the current state of supporting both old and new systems.
- germanier 10y ago
  With chip-and-signature cards it's much harder (as in currently not practical at all) to clone the card to use it at another POS (at least if the magstripe readers are finally switched off). Cloned cards are a much larger issue than stolen cards.

seanp2k2 10y ago

Bay Area is just now getting chip readers active in many places. They started installing them a year ago or so, but many had the slot taped off. The experience now at most places goes something like this: 1. cashier done scanning items 2. person swipes card since reader has a slot to do that on the right side and that's what they usually do 3. machine beeps or displays an error or does nothing 4. cashier has to explain to insert the card 5. person fumbles with card, eventually getting it into slot 6. sometimes people just push it in and pull it out or otherwise don't leave it in long enough since every single POS has a different workflow and dialogue for this, and this error condition requires re-starting the process (GOTO 3) 7. Waiting 3-10+ seconds 8. Sign 9. Hit yes or accept or I agree 10. Wait another few seconds 11. Remove or forget card. Sometimes the machine beeps, sometimes not 12. Done! Despite all this hassle, we still didn't get chip and pin that I had been complaining about for years, so if someone steals your physical card, they can still use it until you realize. I'm not really sure how this whole process improves security (does the actual CC number no longer enter the POS at any point?) but consumers here are definitely having some growing pains with the new system and the current state of supporting both old and new systems.

germanier 10y ago
With chip-and-signature cards it's much harder (as in currently not practical at all) to clone the card to use it at another POS (at least if the magstripe readers are finally switched off). Cloned cards are a much larger issue than stolen cards.