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Corsair Pool Boy
Dec 17, 2004
College Slice

TheKennedys posted:

Do y'all's apartments not accept money orders/cashier's checks? Getting to the bank is a pain in the rear end but I don't have to dig out my checkbook that I've used like...three times since 1999

in fairness I've got free money orders at the bank

A cashier's check or money order is even more work, you have to go to the bank to buy it. I already have checks, and don't have to pay to write one.

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Corsair Pool Boy
Dec 17, 2004
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.

Corsair Pool Boy
Dec 17, 2004
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.

Corsair Pool Boy
Dec 17, 2004
College Slice

MrNemo posted:

I'm thinking more small start ups or food truck type places that would otherwise be cash only. Not needing anything more than a dongle and a phone app provides features that banks traditionally charge for because of infrastructure requirements. That's sobering I can see as a basis reason for a business not upgrading to contactless/chip and pin type payments but there's 0 reason for big stores not to already.

Oh almost everyone does at this point (especially food trucks) but it's Square or something like that still using swipe and sign.

Corsair Pool Boy
Dec 17, 2004
College Slice

BiggerBoat posted:

I agree with that I just didn't see most posters saying what you asserted. Taking on faith healers, miracle spring water salesman and tax exempt billionaires preying on old poor people seems like fair game though.

I've seen those miracle water commercials on overnights at work, but I have no idea what the pitch is, because we leave it muted unless an earthshaking event like the world cup or an earthquake is involved.

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