4 ms·
In the UK not only is the contactless payment instantly (I think less than a second, probably even better) approved but for the cards that I have in my apple wa
by jnsaff2 9y ago
In the UK not only is the contactless payment instantly (I think less than a second, probably even better) approved but for the cards that I have in my apple wallet I get the push notification with the payment details in about the same time. And this is actual physical card payment not apple pay. It means that all the other background systems that are needed to trigger and deliver push notifications (over mobile network) are incredibly fast as well.
- rhodysurf 9y agoTo be fair contactless payments are just as fast in the US. Its just the chip that is slow here.
- comboy 9y agoSince I'm outside the US and couldn't find that info in the thread - just how slow these payments are? To me, waiting these 2 seconds for confirmation already seems slow.
- haikuginger 9y agoSometimes 10-15 seconds.
- deleted 9y ago[deleted]
- ethbro 9y agoAt Lowes (a big box hardware store) in a major US city, I'd say consistently 3-5 seconds. Caveat that perceptually this seems like a lot longer due to the variable action flow (sometimes sign, sometimes take card immediately, sometimes error) that demands attention.
- haikuginger 9y agoHate to be the bearer of bad news, but contactless in the US is fast because it generally transmits magstripe data.
- coldcode 9y agoApple/Samsung/NFC Pay is not mag stripe. It is generally faster than a chip card.
- flax 9y agoApple and Android Pay are not mag stripe, they're proper encrypted nfc payments. Samsung pay CAN be a magstripe emulation, for terminals that don't support NFC.
- haikuginger 9y agoTo clarify, EMV supports tokenized transactions that emulate the _contents_ of the magnetic stripe over NFC, and this is what is broadly used in the US. Note here[0] that Chase states that only contactless MSD support (contactless magstripe emulation over NFC with a dynamically-generated security code) is required for Apple Pay; a subset of contactless EMV. [0] https://www.chasepaymentech.com/developercenter/applepaymodels.html https://www.chasepaymentech.com/developercenter/applepaymode...
- kalleboo 9y agoHere in Japan I get my payment notification email before the terminal is handed back to me with chip payments.