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> if there is no connectivity FYI, you don't need internet connectivity to pay using apple/android pay. And waving my phone at a payment device is massively m

by Nursie 4y ago

> if there is no connectivity FYI, you don't need internet connectivity to pay using apple/android pay. And waving my phone at a payment device is massively more convenient than having to go to an ATM to withdraw cash, and then pay with said cash.

iam-TJ 4y ago
No connectivity for the retailer's device, not for the customer device. There are also quite a few payment terminals that still do dial-on-demand to get authorisation from the merchant service provider (Chip&PIN/NFC Contactless). I still see those in the UK especially at independent fuel stations. The additional delay waiting for the terminal to dial and connect sometimes makes me think it has failed - had a few occasions where the line was busy and the terminal redialled several times before it finally made it!
- emptyfile 4y ago
  Selling an item without contacting the tax authority's internet server and processing the transaction is illegal in my country, and others in Europe. https://en.wikipedia.org/wiki/Fiscalization https://en.wikipedia.org/wiki/Fiscalization If you want to sell anything to anyone, and you're in the VAT system, you have to be online at all times.
- ghaff 4y ago
  I have definitely been in stores where their card readers were down and it was cash only. Personally I default to chipped credit cards but carry a few bucks with me too. Also in general I don’t like to be utterly dependent on my phone especially if I’m traveling.
- Nursie 4y ago
  Offline transactions are available in many systems up to certain limits defined by both th card and the terminal. They get reconciled later. Merchants not having connectivity is a rather small problem in this day and age really, with ubiquitous mobile data connections. (Yes, I am aware someone will be along shortly to tell me they have yet-another-edge case where it doesn't work for them. I don't really care, for the vast majority it is a massively convenient way to conduct business.)

by Nursie 4y ago

iam-TJ 4y ago

No connectivity for the retailer's device, not for the customer device. There are also quite a few payment terminals that still do dial-on-demand to get authorisation from the merchant service provider (Chip&PIN/NFC Contactless). I still see those in the UK especially at independent fuel stations. The additional delay waiting for the terminal to dial and connect sometimes makes me think it has failed - had a few occasions where the line was busy and the terminal redialled several times before it finally made it!

emptyfile 4y ago
Selling an item without contacting the tax authority's internet server and processing the transaction is illegal in my country, and others in Europe. https://en.wikipedia.org/wiki/Fiscalization https://en.wikipedia.org/wiki/Fiscalization If you want to sell anything to anyone, and you're in the VAT system, you have to be online at all times.
ghaff 4y ago
I have definitely been in stores where their card readers were down and it was cash only. Personally I default to chipped credit cards but carry a few bucks with me too. Also in general I don’t like to be utterly dependent on my phone especially if I’m traveling.
Nursie 4y ago
Offline transactions are available in many systems up to certain limits defined by both th card and the terminal. They get reconciled later. Merchants not having connectivity is a rather small problem in this day and age really, with ubiquitous mobile data connections. (Yes, I am aware someone will be along shortly to tell me they have yet-another-edge case where it doesn't work for them. I don't really care, for the vast majority it is a massively convenient way to conduct business.)