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In response to "America will see them in use by 2037. Seriously, there's nowhere else in the world I still have to sign a credit card receipt. -- nm" by mafic

we can't even get places to convert completely over to chip readers -- nm

Posted by Epiphany (aka Epiphany) Apr 20 '17, 06:51

(No message)

Responses:

Because they're a terrible solution and businesses know it. - Da5id Apr 20, 07:03 19
- Oh man, I love chip readers. - Reagen Apr 20, 07:20 18
  - since paywave I've occasionally forgotten mine. I don't buy a lot of things over the paywave limit. - mafic Apr 20, 07:23 6
    - Yup. "Wait, that one? ... No, it's the other code. Ah, wait." -- nm - Reagen Apr 20, 07:25 5
      - I can get money from the ATM with my phone. I have no need for PINs. That's valuable brain space! -- nm - mafic Apr 20, 07:27 4
        
        The phone thing isn't quite here yet. -- nm - Reagen Apr 20, 07:46
        
        wells fargo now has the ATM thing with your phone. I have yet to try it -- nm - decline Apr 20, 07:35 2
        
        I've actually only used it like twice when I forgot my wallet. You still have to press almost as many buttons on the machine near my office. -- nm - mafic Apr 20, 07:44
        
        Do it while you are walking your dog. -- nm - Spawn Apr 20, 07:35
  - Swiping was vastly superior, but fingerprints would be great, too. - Da5id Apr 20, 07:22 10
    - How the hell was swiping & signing better than tap to pay? -- nm - Beryllium Apr 20, 07:26 9
      - I'm now wondering how long some of you take to sign your names. - Da5id Apr 20, 07:27 8
        
        Some have gotten better, but I can't understand why the process is slower for the chip (though it definitely is). - pmb Apr 20, 07:56 3
        
        The chip is an entire computer that has to boot up Linux. - Beryllium Apr 20, 07:58 2
        
        So drumpf's ten year old can hack it? -- nm - zeitgeist Apr 20, 08:12
        
        Wow. I had no idea. -- nm - mafic Apr 20, 08:04
        
        Well, my signature is done in pointillism. - mafic Apr 20, 07:35
        
        ?? Tap and walk away. iPhone makes it a bit more complicated because I have to use a fingerprint, -- nm - Beryllium Apr 20, 07:34 2
        
        Tap's below. We're still talking chip readers here. -- nm - Da5id Apr 20, 07:46 1
        
        Chip and pin and tap-to-pay are tied up in my mind as requiring the same technological rollout. -- nm - Beryllium Apr 20, 08:05
I still don't get what the holdup is. -- nm - amanda jones state university Apr 20, 06:53 43
- Same reason you still have dollar bills. You give people the choice, they'll tend to stay with the familiar. - mafic Apr 20, 07:07 4
  - pennies. they have pennies. - Andie Apr 20, 07:08 3
    - Yeah, lets just do away with all the coins. -- nm - Spawn Apr 20, 07:42
    - I have some American pennies in my backpack. -- nm - Beryllium Apr 20, 07:40
    - *shudder* -- nm - Reagen Apr 20, 07:26
- Answer: The holdup is cost of the EMV devices and the need for Internetworked connection to the readers -- nm - budice Apr 20, 07:01 1
  - Short answer: People are cheap. -- (edited) - budice Apr 20, 07:03
- In my experience the holdup is the eternity it takes to actually process the chip. -- nm - Ender Apr 20, 07:00 30
  - Even with slow Australian internet it doesn't take longer than signing, there's just more idle time. -- nm - mafic Apr 20, 07:14 13
    - A swipe and sign takes maybe 20% of the time of a chip reader. - Da5id Apr 20, 07:16 12
      - Here it takes seconds. The best part is that at the places that have self-check out it is even faster as you do not have to wait and select credit and - Spawn Apr 20, 07:33
      - i think that's just you. -- nm - Andie Apr 20, 07:23 1
        
        Y'all are just shills for Big Chippa. -- nm - Da5id Apr 20, 07:26
      - Paywave is definitely faster - that's like tap, 2 seconds, approved - but even the chip only takes like 10 seconds. -- nm - mafic Apr 20, 07:21 3
        
        Yeah. A 10second max wait doesn't bother me. -- nm - kelly Apr 20, 07:23 1
        
        I mean it's like 10 seconds of awkward silence with the cashier, but I'm fine with that. -- nm - mafic Apr 20, 07:26
        
        They were a bit buggy at first but are generally excellent now. -- nm - Reagen Apr 20, 07:22
      - I'm pretty sure around here it takes the same amount of time. - decline Apr 20, 07:19 4
        
        I'm not even talking about a low-rent business. *Kroger* is unbearable. -- nm - Da5id Apr 20, 07:21 3
        
        I agree with you, I can't stand the delay on chip readers, although Walgreens system seems to be faster than most. -- nm - groiny Apr 20, 07:48
        
        I kind of feel like this, but maybe it;s because I'm idle where previously I was moving (signing)? definitely some are faster than others, too. -- nm - amanda jones state university Apr 20, 07:28 1
        
        I'm sure a part of it is that it still has my card during the approval. - Ender Apr 20, 07:39
  - dudes, you need to get with the tap. -- nm - Andie Apr 20, 07:03 15
    - tap to pay? is there a pin there? -- nm - amanda jones state university Apr 20, 07:17 13
      - nope, it's like this. (like Reagen says, we have to PIN over $100) -- (link) - Andie Apr 20, 07:27 [youtube] 11
        
        I love this and want this now! How cool is that? -- nm - Epiphany Apr 20, 07:47
        
        does mcdonalds have this here? I think maybe. -- nm - amanda jones state university Apr 20, 07:29 9
        
        I would say we are up to 70% of retailers having it (including McDs). -- nm - Spawn Apr 20, 07:34 5
        
        Scratch this message. I missed this was a tap part of the thread. I have no idea about tap. -- nm - Spawn Apr 20, 07:39
        
        you guys have tap (no PIN) ? -- nm - Andie Apr 20, 07:36 2
        
        Yeah, it's just that 80% of banks don't put it on the card itself. Most modern phones can do it though. -- nm - Ender Apr 20, 07:40 1
        
        yeah, we don't do as much with our phones, because we can tap with our card. -- nm - Andie Apr 20, 07:43
        
        this is not my experience at all. I have been shopping a lot at lowe's home depot, ace, walmart, target, ollie's etc bc kitchen and I don't think any - amanda jones state university Apr 20, 07:35
        
        very, very few places have it -- nm - decline Apr 20, 07:33
        
        it's every where here. -- nm - Andie Apr 20, 07:30 1
        
        Yep, it's everywhere here in BC too -- nm - Beryllium Apr 20, 07:41
      - No, but it's generally only good for transactions below$100. -- nm - Reagen Apr 20, 07:21
    - I'd love to. The people who actually manufacture my cards are not so much. -- nm - Ender Apr 20, 07:06
- It's been shown that while not as easy to skim, once you shim one it's impossible to detect without taking the box apart -- nm - zeitgeist Apr 20, 06:59
- I don't even care, just pick one and stick with it. I shouldn't have to figure out if I'm sliding, sticking or flinging this card at the clerks head - Epiphany Apr 20, 06:58 2
  - what annoys me are the companies that slide for debit but chip for credit -- nm - decline Apr 20, 06:59 1
    - yeah that is wonky -- nm - Epiphany Apr 20, 07:00
- cost of hardware/software integration. -- nm - decline Apr 20, 06:55

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