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>for the most part it's been as practical as a card and often faster Have you ever used a card? If you think that opening your phone, scanning a QR and then h

>for the most part it's been as practical as a card and often faster Have you ever used a card? If you think that opening your phone, scanning a QR and then hitting "verify" is faster than a tap or swipe of your credit card, I'm not sure what to tell you. Best case scenario, they're about the same. >I can call up my card company and claim a fraudulent charge after getting the goods And they'll investigate and determine you committed fraud, and you'll be fined or go to prison. What's the equivalent with Bitcoin?

Jach 7y ago
I of course use a card frequently, though have yet to have the "pleasure" of dealing with a tap-to-pay card. I don't really want to. I'd say average case (not best case) is they're about the same, but yes, getting out my phone and unlocking it, opening the bitcoin app, scanning the QR code and hitting confirm, then putting my phone away, is indeed often faster than getting out my wallet, picking out my card from the other crap in there, inserting it into the chip reader (or swiping it), and hitting confirm (after maybe having to enter a pin or zip code or tell it "this is a credit card" or dismiss a "do you want to donate to grocery store's cause-of-the-month?" dialog) and then sometimes having to sign a printout or a touch screen, then putting my card back into the wallet and putting my wallet away. CCs are a usability nightmare that I'm amazed we put up with. > And they'll investigate Have you never reported fraudulent charges before? There's basically no investigation unless it was an ACH thing.
- sjy 7y ago
  Using a tap-to-pay card would probably change your perspective. They were specifically designed to eliminate that usability nightmare. I find them easier to use than Apple Pay (because Touch ID only works about 90% of the time for me), and certainly easier than scanning a QR code (look at the queue of people struggling to enter any concert with electronic ticketing). The only downside is that you still have to carry a card.
aianus 7y ago
> And they'll investigate and determine you committed fraud, and you'll be fined or go to prison. Trust me, nothing happens to these people. From first-hand experience I know that the merchant eats the cost 99% of the time when it's a card-not-present transaction.

Jach 7y ago

I of course use a card frequently, though have yet to have the "pleasure" of dealing with a tap-to-pay card. I don't really want to. I'd say average case (not best case) is they're about the same, but yes, getting out my phone and unlocking it, opening the bitcoin app, scanning the QR code and hitting confirm, then putting my phone away, is indeed often faster than getting out my wallet, picking out my card from the other crap in there, inserting it into the chip reader (or swiping it), and hitting confirm (after maybe having to enter a pin or zip code or tell it "this is a credit card" or dismiss a "do you want to donate to grocery store's cause-of-the-month?" dialog) and then sometimes having to sign a printout or a touch screen, then putting my card back into the wallet and putting my wallet away. CCs are a usability nightmare that I'm amazed we put up with. > And they'll investigate Have you never reported fraudulent charges before? There's basically no investigation unless it was an ACH thing.

sjy 7y ago
Using a tap-to-pay card would probably change your perspective. They were specifically designed to eliminate that usability nightmare. I find them easier to use than Apple Pay (because Touch ID only works about 90% of the time for me), and certainly easier than scanning a QR code (look at the queue of people struggling to enter any concert with electronic ticketing). The only downside is that you still have to carry a card.

aianus 7y ago

> And they'll investigate and determine you committed fraud, and you'll be fined or go to prison. Trust me, nothing happens to these people. From first-hand experience I know that the merchant eats the cost 99% of the time when it's a card-not-present transaction.