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All I want is for every establishment to accept Apple/Google/Samsung Pay, with an auto-emailed receipt to a Gmail folder that never hits my inbox (with an expli

All I want is for every establishment to accept Apple/Google/Samsung Pay, with an auto-emailed receipt to a Gmail folder that never hits my inbox (with an explicit, normalized, return policy on each receipt), and no paper receipt or signature ever.

toomuchtodo 8y ago
No thanks. I want accountable organizations running the financial networks of major economies (Visa/MC/Disc/Amex do just fine). To normalize return policies requires legislation (see Europe for how this is done). Yes to emailed receipts for all transactions though. You’ll be happy to hear all payment networks in the US are deprecating signature requirements.
- whitepoplar 8y ago
  Oh, I still want it running through Visa et al. I just want the added security of my credit card number never being revealed (Apple Pay uses virtual numbers). The normalization of return policy I mentioned is a normalization of design and placement on the receipt, not one of actual policy.
  - toomuchtodo 8y ago
    I don’t understand this argument, because you’re never liable for fraudulent transactions.
    - whitepoplar 8y ago
      True, but under the traditional model, I have to spend extra time going over my statements, and then there's the hassle of having a new card shipped out and having to update the number everywhere I have it saved. God help you if your credit card(s) are breached when traveling--many banks will only mail replacements to the original billing address. Exclusive use of virtual cards via Apple/Whatever Pay would mitigate this and offer general peace of mind.
      - toomuchtodo 8y ago
        Fair enough.
- toasterlovin 8y ago
  Current payment network operators (Visa & competitors) are still involved in Apple Pay transactions.
talltimtom 8y ago
Why not just accept VISA/MasterCard? Why does everything have to be run by the big tech corps? VISA already has solutions for this and they have been out the last, what two decades. It can’t be the tech that’s lacking in USA, it has to be a pollicy or market issue.

toomuchtodo 8y ago

No thanks. I want accountable organizations running the financial networks of major economies (Visa/MC/Disc/Amex do just fine). To normalize return policies requires legislation (see Europe for how this is done). Yes to emailed receipts for all transactions though. You’ll be happy to hear all payment networks in the US are deprecating signature requirements.

whitepoplar 8y ago
Oh, I still want it running through Visa et al. I just want the added security of my credit card number never being revealed (Apple Pay uses virtual numbers). The normalization of return policy I mentioned is a normalization of design and placement on the receipt, not one of actual policy.
- toomuchtodo 8y ago
  I don’t understand this argument, because you’re never liable for fraudulent transactions.
  - whitepoplar 8y ago
    True, but under the traditional model, I have to spend extra time going over my statements, and then there's the hassle of having a new card shipped out and having to update the number everywhere I have it saved. God help you if your credit card(s) are breached when traveling--many banks will only mail replacements to the original billing address. Exclusive use of virtual cards via Apple/Whatever Pay would mitigate this and offer general peace of mind.
    - toomuchtodo 8y ago
      Fair enough.
toasterlovin 8y ago
Current payment network operators (Visa & competitors) are still involved in Apple Pay transactions.

talltimtom 8y ago

Why not just accept VISA/MasterCard? Why does everything have to be run by the big tech corps? VISA already has solutions for this and they have been out the last, what two decades. It can’t be the tech that’s lacking in USA, it has to be a pollicy or market issue.