Relax
Well-known member
Personally i don’t care what anyone else does, but to dismiss the option as ******* around for the sake of doing so is about as bad as calling someone names for not adopting it.
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No more searching for pink slips
- Thread starter MacDoc
- Start date
Personally i don’t care what anyone else does, but to dismiss the option as ******* around for the sake of doing so is about as bad as calling someone names for not adopting it.
Mad Mike
Well-known member
Cops don't have acces to your personal insurance information, only the Insurer and Policy number you provided on the MOT form for your last plate renewal.
Oh please. Maybe follow your moniker and relax.
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Umm. Where to start.
It's evident you don't understand ApplePay. It works in effectively 100% of the market here in Canada because it functions identical to interac tap, using the exact same standards. It IS just another run of the mill tap payment. Except instead of giving the retailer your actual card details, they get the virtual tokenized card details. In other words, Privacy.
ANY payment terminal that accepts ANY tap/contactless card (which is 99.9% of terminals out there now short of a few USA conglomerates still stuck in the USA payment system dark ages, *cough*, Walmart) accepts ApplePay because anywhere that accepts any tap cards...accepts ApplePay by default. There is no special adoption or hardware setup needed. It just works.
The same goes for around the world - anywhere that takes tap cards will take ApplePay. A friend used it everywhere in Switzerland a few months ago because it was easier than carrying around a bunch of cash. I used it in St. Maarten 3 or 4 years ago.
Not sure where you got your adoption numbers from...a several year old US based article perhaps, but even in the USA now where some retailers still take cheques (geesh) and chip and pin cards with tap are just starting to reach sorta mainstream (we were there over a decade++ ago) it's reaching critical mass. I used my ApplePay fairly frequently on my last trip to the USA. I used it EVERYWHERE here for all my cards - aside from pay at the pump gas pumps where you still need my physical card (And give it time, that too will change) I haven't used any of my physical cards at a retailer in probably 3 months - I ApplePay everything.
In short, virtually the only place in the world where ApplePay won't work ubiquitously is the USA, and it's only because they're just now being dragged kicking and streaming into modern day payment standards the rest of the world came onboard with a decade or more ago. They still use magstripe for a huge percentage of their payments - THAT'S the issue. It has nothing to do with needing special adoption of any sort there either, it has everything to do with the fact that they don't even freakin' support tap payments yet at a lot of places.
BTW, this also causes competitors like GooglePay/AndroidPay to be DOA as well, so there's no competitive advantage to be had - if ApplePay won't work, they don't work either. SamsungPay does have an EMV emulation that will allow it to work on oldschool magstripe systems in the USA where they're still using 1980's technology, but there's a LOT of security risks with that setup, so it's not one I'd use myself. Heck, magstripes SHOULD be killed off as a technology now, but it's places like the USA that still require it to continue to be on cards.
Here in Canada, if your card has a chip (and pretty much 100% of payment cards do now) you can't even use the magstripe anymore. Down there, heck, I saw someone writing a cheque at a dollar store last year.
In short, acceptance of mobile payments systems, ApplePay, GooglePay, et al *could* be 100% here. And it's growing rapidly.
Lastly, you should know....ApplePay has a higher saturation rate than GooglePay and AndroidPay combined. The only mobile payment system in north america that surpasses it is...the starbucks app, and only by a few percantage points. In short, ApplePay isn't going anywhere.
Relax
Well-known member
lol
Thanks for that PP. What do you carry for a backup? Why couldn't this have been explained like you did in an intelligent manner the first time, instead of the aggressive/defensive way?
I can see myself adapting to this.
At this point, I still often carry my physical bank debit card, and one of my 2 Amex cards for situations where I may need them - typically, gas stations when we are out on the bike for pay-at-the-pump. I used my Amex card yesterday twice at gas pumps for example.
Now, if I didn't want to use pay at the pump and just went inside, tap would work for that as well, so I really wouldn't even need to carry them anymore for gas, but I prefer pay at the pump.
But 2 cards isn't the end of the world in my wallet given the fact I have so few left in there now (see previous post), and reality is for any payments over $100 you do need the physical card still - tap is typically limited at this amount for security purposes, although I can eventually see that limit being removed for mobile payment situations where biometrics are used before the payment is authorized. The $100 limit was initially put in place to avoid lost-card nightmare scenarios where someone could tap their way to emptying your bank account. Makes sense for your physical card, but makes little to no sense for a payment system that needs biometrics before it actually works. That will change, give it time.
Sorry, I just automatically assume people have familiarized/educated themselves on a topic before being automatically against it, so that assumption leads to an opinion that "knowing what you know, how could you possibly be against this?!" more or less.
I need to stop forgetting that some people are against things because they just have a pre-formed opinion that isn't really necessarily based on the facts, and once they get said facts, their opinion can change.
I was somewhat uninformed on the subject. I assumed that this was only something you could do with an Apple product, and having just been forced to spend $400 on a new phone I'm not about to switch over.Jeesh, I'm still getting used to being on a fixed income. I was planning on working till late 60's.At this point, I still often carry my physical bank debit card, and one of my 2 Amex cards for situations where I may need them - typically, gas stations when we are out on the bike for pay-at-the-pump. I used my Amex card yesterday twice at gas pumps for example.
Now, if I didn't want to use pay at the pump and just went inside, tap would work for that as well, so I really wouldn't even need to carry them anymore for gas, but I prefer pay at the pump.
But 2 cards isn't the end of the world in my wallet given the fact I have so few left in there now (see previous post), and reality is for any payments over $100 you do need the physical card still - tap is typically limited at this amount for security purposes, although I can eventually see that limit being removed for mobile payment situations where biometrics are used before the payment is authorized. The $100 limit was initially put in place to avoid lost-card nightmare scenarios where someone could tap their way to emptying your bank account. Makes sense for your physical card, but makes little to no sense for a payment system that needs biometrics before it actually works. That will change, give it time.
Sorry, I just automatically assume people have familiarized/educated themselves on a topic before being automatically against it, so that assumption leads to an opinion that "knowing what you know, how could you possibly be against this?!" more or less.
I need to stop forgetting that some people are against things because they just have a pre-formed opinion that isn't really necessarily based on the facts, and once they get said facts, their opinion can change.
It is good to get the facts.
I use Android pay all the time no issues and more secure than the card. Your phone needs nfc to use it though.
Sent from my moto g(7) plus using Tapatalk
At this point, I still often carry my physical bank debit card, and one of my 2 Amex cards for situations where I may need them - typically, gas stations when we are out on the bike for pay-at-the-pump. I used my Amex card yesterday twice at gas pumps for example.
Now, if I didn't want to use pay at the pump and just went inside, tap would work for that as well, so I really wouldn't even need to carry them anymore for gas, but I prefer pay at the pump.
But 2 cards isn't the end of the world in my wallet given the fact I have so few left in there now (see previous post), and reality is for any payments over $100 you do need the physical card still - tap is typically limited at this amount for security purposes, although I can eventually see that limit being removed for mobile payment situations where biometrics are used before the payment is authorized. The $100 limit was initially put in place to avoid lost-card nightmare scenarios where someone could tap their way to emptying your bank account. Makes sense for your physical card, but makes little to no sense for a payment system that needs biometrics before it actually works. That will change, give it time.
Sorry, I just automatically assume people have familiarized/educated themselves on a topic before being automatically against it, so that assumption leads to an opinion that "knowing what you know, how could you possibly be against this?!" more or less.
I need to stop forgetting that some people are against things because they just have a pre-formed opinion that isn't really necessarily based on the facts, and once they get said facts, their opinion can change.
My wife and I travelled to Burma (Myanmar) last winter. While there we me to an assortment of interesting people including a young couple in a long distance relationship, he having been born in Taiwan and living in Manhattan, and her born in Siberia and living in a city in China.
She was telling me that biometrics is common in her experience, particularly for everyday activities. For example, the building/complex where she lives has a grocery/convenience store on the ground floor which use a level of biometrics. The store has no staff and also acts as a pick up point for Alibaba shipments so access is controlled with a thumb print. According to her, when shopping the items are scanned as they are placed into the basket or cart and charged when she leaves based on her thumb print which is linked to her Alibaba account. Being China I'm sure her thumb print is linked to a number of other things she's unaware of and would be less enthusiastic about, but there's a cost/trade-off for everything including convenience.
My new phone is a Samsung a8. Don't know if it has nfc or not. Can you pay at the pump with your phone?
Yes at most stations that have tap
Sent from my moto g(7) plus using Tapatalk
Sent from my moto g(7) plus using Tapatalk
And yes A8 has nfc
Sent from my moto g(7) plus using Tapatalk
Sent from my moto g(7) plus using Tapatalk
Riceburner
Well-known member
Work phone used 99.99% of the time. Not putting personal stuff on it. Don't want to carry 2 phones, so paper it is.
I'm like Wingboy, personal phone carrier dropped flip coverage and gave me a smartphone. I check it once a week or so.
I'm like Wingboy, personal phone carrier dropped flip coverage and gave me a smartphone. I check it once a week or so.
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