5 ms·

on 1) Recent touch-based CC terminals are really fast, and often don't require a PIN if the amount is less than 10€. I've stopped using cash since with these te

by petard 9y ago

on 1) Recent touch-based CC terminals are really fast, and often don't require a PIN if the amount is less than 10€. I've stopped using cash since with these terminals CC are faster than paying in cash.

Cyph0n 9y ago
Android/Apple Pay (using NFC) is even faster from my experience. On top of that, the merchant never gets your CC data, so it's much more secure. It's still not widespread, but I make sure to use it whenever I get the chance.
- foepys 9y ago
  Is this really true for Android? I know Apple hides your CC number but I'm unsure about Android.
  - mohlerm 9y ago
    Yes, it's true even for android. From: https://www.android.com/pay/ https://www.android.com/pay/ Your card info stays safe When you use your phone to pay in stores, Android Pay doesn’t send your actual credit or debit card number with your payment. Instead we use a virtual account number to represent your account info – so your card details stay safe and secure.
    - majewsky 9y ago
      > virtual account number So, just as trackable as a credit card number. Or are virtual account numbers unique per transaction?
      - smcgaw 9y ago
        I believe Apple Pay works the same in this respect so the virtual account number is not cycled per transaction. I can't remember if it's cycled per vendor or just unique per device.
MrBuddyCasino 9y ago
Same here. The limit is 25€, very convenient.
- michaelhoffman 9y ago
  In Canada the usual limit is CAD 100 (about EUR 67). Tapping to pay is way faster than a cash transaction.
usrusr 9y ago
Once a certain cultural trait is established, inertia can keep it alive for a long time after the original reason is gone. As a cash-paying German I think that the main appeal to me is that cash payments are a process you can easily understand in its entirety, whereas everything else comes with an infinite supply of unknowns big and small. Sure, it's easy to grasp the basic and get adequate working knowledge, but there will always be lines in the fine print, lines in the code and lines in the physical specs of the hardware that you never read and even if you did you may not have understood correctly. You don't have to worry about these things, but you could, and that seems to be enough for many to stick to what they know. Also, not paying cash feels lazy, some stereotypes might apply. (Now I wonder about the possibility of a correlation between cash and the protestant/catholic divide still present as a cultural shadow of the past even amongst decidedly atheist Germans - payment customs in the nordics suggest otherwise though)

by petard 9y ago

Cyph0n 9y ago

Android/Apple Pay (using NFC) is even faster from my experience. On top of that, the merchant never gets your CC data, so it's much more secure. It's still not widespread, but I make sure to use it whenever I get the chance.

foepys 9y ago
Is this really true for Android? I know Apple hides your CC number but I'm unsure about Android.
- mohlerm 9y ago
  Yes, it's true even for android. From: https://www.android.com/pay/ https://www.android.com/pay/ Your card info stays safe When you use your phone to pay in stores, Android Pay doesn’t send your actual credit or debit card number with your payment. Instead we use a virtual account number to represent your account info – so your card details stay safe and secure.
  - majewsky 9y ago
    > virtual account number So, just as trackable as a credit card number. Or are virtual account numbers unique per transaction?
    - smcgaw 9y ago
      I believe Apple Pay works the same in this respect so the virtual account number is not cycled per transaction. I can't remember if it's cycled per vendor or just unique per device.

MrBuddyCasino 9y ago

Same here. The limit is 25€, very convenient.

michaelhoffman 9y ago
In Canada the usual limit is CAD 100 (about EUR 67). Tapping to pay is way faster than a cash transaction.

usrusr 9y ago

Once a certain cultural trait is established, inertia can keep it alive for a long time after the original reason is gone. As a cash-paying German I think that the main appeal to me is that cash payments are a process you can easily understand in its entirety, whereas everything else comes with an infinite supply of unknowns big and small. Sure, it's easy to grasp the basic and get adequate working knowledge, but there will always be lines in the fine print, lines in the code and lines in the physical specs of the hardware that you never read and even if you did you may not have understood correctly. You don't have to worry about these things, but you could, and that seems to be enough for many to stick to what they know. Also, not paying cash feels lazy, some stereotypes might apply. (Now I wonder about the possibility of a correlation between cash and the protestant/catholic divide still present as a cultural shadow of the past even amongst decidedly atheist Germans - payment customs in the nordics suggest otherwise though)