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Absurd Alhazred
Mar 27, 2010

I'm the babyliberal, gotta love me!


Yeah, the chip would fail to read 2/3 times for the first few weeks I had it, too. America #1!!

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MightyJoe36
Dec 29, 2013

Cat Army


Lutha Mahtin posted:

it was also really fun when the chip rule came into effect because for like an entire year or two, every payment terminal outside of walmart and mcdonalds took 30-60 seconds longer than before. it's only been in the past couple months that i've noticed that most small shops finally have the super-fast terminal experience that we were promised ages ago

lt's still a pain though because they're so random. Go to one place, pay for a $65 charge, insert card, get receipt, go. Go to another place, pay for a $3 charge, you have to sign. Go to another place, pay for a $5 charge, you have to wait until it prints out a hard-copy slip that you have to sign with a pen that usually doesn't work.

FrozenVent
May 1, 2009

The Boeing 737-200QC is the undisputed workhorse of the skies.

Itís 2019, how do you not have tap-and-go and chip and pin credit card payment loving everywhere?

Tunicate
May 15, 2012





Lutha Mahtin posted:

congrats, you've discovered one of the best tricks of the "natural foods" craze. restaurants and food manufacturers have discovered how to extract many of the scary-sounding chemicals that peddlers of pseudoscience love to bleat on about. instead of MSG, the ingredients label will have some kind of vague tomato extract. instead of nitrites in your hot dogs, you will see some odd-sounding celery ingredient. citric acid is now "vitamin C" or an extract from a citrus fruit

But vitamin c is ascorbic acid

MightyJoe36
Dec 29, 2013

Cat Army


FrozenVent posted:

Itís 2019, how do you not have tap-and-go and chip and pin credit card payment loving everywhere?

It's the Midwest.

Midjack
Dec 24, 2007





FrozenVent posted:

Itís 2019, how do you not have tap-and-go and chip and pin credit card payment loving everywhere?

The financial system in the US is basically banging two rocks together.

ToxicSlurpee
Nov 5, 2003

-=SEND HELP=-




Pillbug

Midjack posted:

The financial system in the US is basically banging two rocks together.

The other snag is that a lot of the systems would cost millions of dollars to replace. The shareholders point out that said systems still work so that money goes to dividends instead.

Blue Footed Booby
Oct 4, 2006

got those happy feet




Slippery Tilde

ToxicSlurpee posted:

The other snag is that a lot of the systems would cost millions of dollars to replace. The shareholders point out that said systems still work so that money goes to dividends instead.

Yeah, this. Companies won't ever improve payment systems without having their arms twisted. And our government doesn't actually serve us.

I use Google pay everywhere I possibly can and avoids skimmer fuckery.

Zereth
Jul 8, 2003




Blue Footed Booby posted:

Yeah, this. Companies won't ever improve payment systems without having their arms twisted. And our government doesn't actually serve us.

I use Google pay everywhere I possibly can and avoids skimmer fuckery.

Remember when the telecom industry got a bunch of grants to improve infrastructure, and then just... didn't?

DizzyBum
Apr 16, 2007




The biggest problem with chip readers for me is that everywhere nearby seems to use a lovely reader. The slot is at a downward angle and holds the card loosely, so the card inevitably slides a few millimeters out of the reader and CARD READ ERROR, PLEASE RE-INSERT CARD

Zereth
Jul 8, 2003




don't forget the grating "SOMETHING hosed UP" error beep almost all of them use to indicate "i have successfully read the card, you can remove it now, everything is working correctly"

Eric the Mauve
May 8, 2012

Making you happy for a buck since 199X


My favorite part about lovely card readers is the clerk saying ďoh you have to slide it all the way inĒ and trying not to laugh because Iím apparently 14

tinytort
Jun 10, 2013

Super healthy, super cheap

FrozenVent posted:

It’s 2019, how do you not have tap-and-go and chip and pin credit card payment loving everywhere?

Last I checked, they don't even have payment terminals that can be brought to the table at restaurants. You expect them to have tap-and-go or chip and pin when they don't even have the ability to keep their credit cards in sight when paying at a restaurant?

rujasu
Dec 18, 2013



tinytort posted:

Last I checked, they don't even have payment terminals that can be brought to the table at restaurants.

Well some of them have the obnoxious ZIOSK sitting on the edge of the booth which is even worse

Blue Moonlight
Apr 28, 2005
Bitter and Sarcastic

tinytort posted:

Last I checked, they don't even have payment terminals that can be brought to the table at restaurants. You expect them to have tap-and-go or chip and pin when they don't even have the ability to keep their credit cards in sight when paying at a restaurant?

Thatís to maintain the sanity of the staff. How many times could you endure an old person looking you in the eye as they stiff you on the tip that is somehow the way you make minimum wage?

Better to take the card, run it, bring back the receipt, and go back to the kitchen to scream into a dish towel as they write ďgo to collegeĒ in the tip line.

EL BROMANCE
Jun 10, 2006

COWABUNGA DUDES!



Zereth posted:

don't forget the grating "SOMETHING hosed UP" error beep almost all of them use to indicate "i have successfully read the card, you can remove it now, everything is working correctly"

Whoever decided that was the tone to use needs a speaking to. Itís not used in Europe, I can promise that. How about a Ďting!í instead.

shame on an IGA
Apr 8, 2005

Get into shit, let it out like diarrhea
Got burnt once, that was only gonorrhea




FrozenVent posted:

It’s 2019, how do you not have tap-and-go and chip and pin credit card payment loving everywhere?

ahahahahahahahahaha we just barely adopted chip & signature

hilariously, the most consistently advanced payment terminals I run into are at dollar general. They accept paypal!

FrozenVent
May 1, 2009

The Boeing 737-200QC is the undisputed workhorse of the skies.

tinytort posted:

Last I checked, they don't even have payment terminals that can be brought to the table at restaurants. You expect them to have tap-and-go or chip and pin when they don't even have the ability to keep their credit cards in sight when paying at a restaurant?

Blue Moonlight posted:

Thatís to maintain the sanity of the staff. How many times could you endure an old person looking you in the eye as they stiff you on the tip that is somehow the way you make minimum wage?

Better to take the card, run it, bring back the receipt, and go back to the kitchen to scream into a dish towel as they write ďgo to collegeĒ in the tip line.

I think the last time I had to do that outside the states was in loving Zambia.

I loving hate places where I have to walk to the POS to type my PIN, never mind not even having a terminal.

MrNemo
Aug 26, 2010

"I just love beeting off"



tinytort posted:

Last I checked, they don't even have payment terminals that can be brought to the table at restaurants. You expect them to have tap-and-go or chip and pin when they don't even have the ability to keep their credit cards in sight when paying at a restaurant?

I am part of a scuba diving club in the UK. We are not professionals but we do pool payments and charge for courses etc. To keep things running and we have loving card and contactless payment systems. There are numerous companies that make money providing inventory and payment services for free (and take a small%) and I am astounded that the free market paradise of the USA cannot promote innovation that socialist Europe hellholes can.

hellotoothpaste
Dec 21, 2006

I dare you to call it a perm again..



Zereth posted:

don't forget the grating "SOMETHING hosed UP" error beep almost all of them use to indicate "i have successfully read the card, you can remove it now, everything is working correctly"

This is one of the most exhilarating design mistakes I have ever experienced. CVS seems to have gotten it figured out/changed to be an affirmative tone but nobody else has.

Blue Moonlight
Apr 28, 2005
Bitter and Sarcastic

MrNemo posted:

I am part of a scuba diving club in the UK.

SEA PATROL will have something to say about that, you scoobydoo.

Tubgoat
Jun 30, 2013



MrNemo posted:

I am astounded that the free market paradise of the USA cannot promote innovation that socialist Europe hellholes can.
It's because the market is only free for the people siphoning off money literally every single step.

Churchill
Nov 27, 2007
Winston

hellotoothpaste posted:

This is one of the most exhilarating design mistakes I have ever experienced. CVS seems to have gotten it figured out/changed to be an affirmative tone but nobody else has.

I always figured it wasn't about signalling that the transaction was completed but rather to remind the customer that their card is in the reader and not to forget it.

Midjack
Dec 24, 2007





hellotoothpaste posted:

This is one of the most exhilarating design mistakes I have ever experienced. CVS seems to have gotten it figured out/changed to be an affirmative tone but nobody else has.

A number of the other large retailers are moving that way too.

Lutha Mahtin
Oct 10, 2010

Your brokebrain sin is absolved...go and shitpost no more!


trader joes grocery store changes the alert sound around the time of holidays. for thanksgiving it's a turkey gobble sound. it's amusing... the first time you hear it

iajanus
Aug 17, 2004

#GOAT


shame on an IGA posted:

ahahahahahahahahaha we just barely adopted chip & signature

hilariously, the most consistently advanced payment terminals I run into are at dollar general. They accept paypal!

Chip and signature is the loving stupidest thing in the universe and I am amazed that anywhere actually uses it

Guest2553
Aug 3, 2012


Thanatosian posted:

If your bank or credit union has bill pay, they will put the check in the mail for you. It's usually a free service.

Electronic bill pay still somehow involving a cheque was one of the bigger wtf moments when I worked in the US.

Corsair Pool Boy
Dec 17, 2004

by Cyrano4747


College Slice

MrNemo posted:

I am part of a scuba diving club in the UK. We are not professionals but we do pool payments and charge for courses etc. To keep things running and we have loving card and contactless payment systems. There are numerous companies that make money providing inventory and payment services for free (and take a small%) and I am astounded that the free market paradise of the USA cannot promote innovation that socialist Europe hellholes can.

It's available, but why would a business pay for something like that? It's not inconvenient to them, just to the customers that will have to pay regardless of the mechanism to do it. (I'm being somewhat facetious here but that's basically why). Hell I know several places that only started taking cards at all a few years ago - I assume they realized they were actually losing business because nobody carries cash anymore. My favorites were the ones that only take cash and conveniently have an ATM from a no-name bank that charges $3 per transaction.

EL BROMANCE
Jun 10, 2006

COWABUNGA DUDES!



I was used to pay-for ATMs in the UK, but didnít realize using one of another bank would charge me $3 just to check my balance in the US. Ouch. I think that was the last time I used an ATM here because of that, 3 years ago.

SEKCobra
Feb 28, 2011


Tokyo's ATMs are weird in that you can get free withdrawals, but only during the day. Had I known that I would have just topped up on cash at a slightly different time.

Basically 7/11 ATMs are free from 8-18 or something like that.

iajanus
Aug 17, 2004

#GOAT


EL BROMANCE posted:

I was used to pay-for ATMs in the UK, but didn’t realize using one of another bank would charge me $3 just to check my balance in the US. Ouch. I think that was the last time I used an ATM here because of that, 3 years ago.

I like to think it's a $3 tax for not just looking at your balance on the bank website.

EL BROMANCE
Jun 10, 2006

COWABUNGA DUDES!



Yeah was new in the country and didnít have cell service to see if a payment had cleared before I withdrew it. Was always second nature to check on the ATM to see how much available cash I had before trying to take it.

AlbieQuirky
Oct 9, 2012



tinytort posted:

Last I checked, they don't even have payment terminals that can be brought to the table at restaurants. You expect them to have tap-and-go or chip and pin when they don't even have the ability to keep their credit cards in sight when paying at a restaurant?

That exists here in Boston, but maybe only 10% of the restaurants I go to use it.

Don Gato
Apr 28, 2013

Actually a bipedal cat.

Grimey Drawer

Midjack posted:

The financial system in the US is basically banging two rocks together.

What part of the US do you live in that the banking situation is that high tech?

Lutha Mahtin
Oct 10, 2010

Your brokebrain sin is absolved...go and shitpost no more!


MrNemo posted:

I am part of a scuba diving club in the UK. We are not professionals but we do pool payments and charge for courses etc. To keep things running and we have loving card and contactless payment systems. There are numerous companies that make money providing inventory and payment services for free (and take a small%) and I am astounded that the free market paradise of the USA cannot promote innovation that socialist Europe hellholes can.

there are many banks and companies that provide similar services in the US but i don't know how it compares overall. a US group like yours could sign up for an account with a provider like Square, and get a chip/contactless dongle that allows a group officer to take payments and whatnot for relatively small fees

MrNemo
Aug 26, 2010

"I just love beeting off"



Corsair Pool Boy posted:

It's available, but why would a business pay for something like that? It's not inconvenient to them, just to the customers that will have to pay regardless of the mechanism to do it. (I'm being somewhat facetious here but that's basically why). Hell I know several places that only started taking cards at all a few years ago - I assume they realized they were actually losing business because nobody carries cash anymore.

See I can kind of see lack of market demand if the technology really isn't being used by the banks but the other major reason for small retailers is that it hugely simplifies inventory management and sales tracking along with cash recording. I work in a business with a horrific pricing structure that doesn't really work neatly with these systems but if we were able to automatically record sales into our bookkeeping it would make love much simpler.

So sounds like that is an option in the US there just isn't quite enough demand and businesses are naturally averse to chasing practices. Free market baby!

That said I've run into older people here (and just those outside London) where cash is still their preferred payment system. There are businesses now that have gone card only (partly for the simper admin and partly to not be targets of robbery) and they get frustrated the other way when they don't have a contactless card.

hellotoothpaste
Dec 21, 2006

I dare you to call it a perm again..



Churchill posted:

I always figured it wasn't about signalling that the transaction was completed but rather to remind the customer that their card is in the reader and not to forget it.

I suppose that at least makes some sense. Another non-scam CVS related post: If you download their app, buried within settings is the ability to send receipts to email instead of printing out a mile worth of paper. It always surprises the cashier when the computer is probably telling them something like 'smart person does not want long paper'. As an extra bonus that means all of those crazy coupons are now indexed in your email.

Proteus Jones
Feb 28, 2013





hellotoothpaste posted:

I suppose that at least makes some sense. Another non-scam CVS related post: If you download their app, buried within settings is the ability to send receipts to email instead of printing out a mile worth of paper. It always surprises the cashier when the computer is probably telling them something like 'smart person does not want long paper'. As an extra bonus that means all of those crazy coupons are now indexed in your email.



Thank you!

I just picked up a bunch of refills. I got 47" of paper receipt.

Corsair Pool Boy
Dec 17, 2004

by Cyrano4747


College Slice

MrNemo posted:

See I can kind of see lack of market demand if the technology really isn't being used by the banks but the other major reason for small retailers is that it hugely simplifies inventory management and sales tracking along with cash recording. I work in a business with a horrific pricing structure that doesn't really work neatly with these systems but if we were able to automatically record sales into our bookkeeping it would make love much simpler.

So sounds like that is an option in the US there just isn't quite enough demand and businesses are naturally averse to chasing practices. Free market baby!

That said I've run into older people here (and just those outside London) where cash is still their preferred payment system. There are businesses now that have gone card only (partly for the simper admin and partly to not be targets of robbery) and they get frustrated the other way when they don't have a contactless card.

How does a different piece of payment hardware simplify inventory management or sales tracking? Either way the SKU goes into the computer and inventory updates with -1 of that item.

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BiggerBoat
Sep 26, 2007

I'm sorry, everyone.

hellotoothpaste posted:

I suppose that at least makes some sense. Another non-scam CVS related post: If you download their app,

That's another one that doesn't get mentioned enough because it's so silent. But downloading company apps exposes you to a poo poo ton shady stuff that tracks you, shares your info and sells everything they track that you do to marketing types that essentially frame your entire experience on the internet.

NPR had a guy on the other day who wrote a book about how nefarious and lovely all that stuff really is but, at this stage, there's not much else you can do about it if you use your phone, Google or FB for any loving thing at all. He said "never use a 'sign in using Facebook'" option, which I don't anyway, but this is very big genie that's escaped the bottle a long loving time ago.

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