As a Canadian it's almost incredible to see how far ahead even we are compared to the US in terms of payment options. A lot of the debit machines were tap-compa

As a Canadian it's almost incredible to see how far ahead even we are compared to the US in terms of payment options. A lot of the debit machines were tap-compatible over 10 years ago, and even then it took banks several years to implement and supply cards. In fact I remember getting my first tap-capable card in high school and had to go to the bank to activate the feature, and it wasn't long after that when my friends and I were running hacked Android Pay apk's to enable NFC payments here. Even with regards to "chip and PIN," I'd wager most machines built in the last 10 years have never had a card swiped through them, and even if they have, the payment will almost never go through until you try again with the chip. I honestly can't remember the last time I actually used my debit card to buy anything. With tap limits of $100 per transaction and $200 per day, 99% of my regular purchases can be made through my phone. It's very rare I take my wallet out of the car.