Poll of the Day > Does the US not really have "Tap to Pay" on their credit cards?

(+) Yeah! (+)

Many of the machines over here allow tap to pay and it works, but the cashiers are always surprised and/or confused when I use it.

It's so handy. I recommend you guys get it.
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Do Americans still not have chips in their cards?
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Blightzkrieg posted...

Do Americans still not have chips in their cards?

Chips are definitely more common, if not universal, as half the time I go to tap, they try and tell me it's a chip reader and point to where I put the card in.

And then the machine beeps and prints a receipt and they get really confused.
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Some do, some don't. Most merchants don't seem to support it afaik so it's kind of a moot point.
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Technology is foreign to third-world countries after all.
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I'll pass, I prefer stuff that doesn't make my funds easier to filch.

one of my mastercards has tap to pay but i've never used it
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Does your card have to allow it or will any chipped card work? Lots of places around here accept Samsung/Apple pay.

I work in a grocery store and ive seen someone tap once, maybe twice
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US is far behind when ir come to card technology
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dedbus posted...

Does your card have to allow it or will any chipped card work? Lots of places around here accept Samsung/Apple pay.

It's separate from chip.
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I see the tap to pay keypads all over. But nobody supports it. Also insert chips suck. Swiping is much quicker.
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I use it sometimes. Merchants are supposed to set limits to prevent a they ran spending spree but I spent almost $300 at ebgames with tap and no issue.

My mobile banking app notifies me instantly when transactions happen. If my phone is on and I tap to pay, there's a notification on my phone the moment approved hits the machine.
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Miroku_of_Nite1 posted...

I see the tap to pay keypads all over. But nobody supports it. Also insert chips suck. Swiping is much quicker.

You say that until you have working tap. Swipe is so outdated
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Dynalo posted...

Many of the machines over here allow tap to pay and it works, but the cashiers are always surprised and/or confused when I use it.

It's so handy. I recommend you guys get it.

I tap to pay and people don't react to it. Must be a regional thing.
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I used my phone to pay for so e stuff at Walmart a while ago a d they thought I was stealing because I didn't do anything but scan then look at my phone to do the thing and leave
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Doctor Foxx posted...

Miroku_of_Nite1 posted...

I see the tap to pay keypads all over. But nobody supports it. Also insert chips suck. Swiping is much quicker.

You say that until you have working tap. Swipe is so outdated

I thought tap was going to be the next big thing. But nobody gave a shit like 8 months after it rolled out. All that is left is the feature on card readers that merchants don't known how to work, or care to work.
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Huh? What the hell are you supposed to tap? It's a card with a chip.

Do you haveto put in a pin for it? Seems it's either easy to steal someone's card or isn't much faster if you have to put your pin in still
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Even chip cards let you just pay without signing or a pin. You should set up notifications like foxx mentioned. Some banks will lock your card for certain behaviors like out of state or excessive perchases by default though.

@Dynalo posted...

Many of the machines over here allow tap to pay and it works, but the cashiers are always surprised and/or confused when I use it.

It's so handy. I recommend you guys get it.

Ehhh that old shit #_#.

I use Samsung Pay with my phone.

Basically I just walk up to any card reader, unlock my phone, put my phone in front of it. Then it pays

People here in USA always think I am from the future or some millionaire tech mogul xD

I especially love the ones who go, "Apple Pay does not work here."

Then I am like "Ya that is cool, push the credit button on your screen already please."

Then they are like "But it does not work!"

Then I lean over and press the credit button for them, and it processes and I say "Ok cool thanks, can I get my receipt now?"

GardenHamster posted...

@Dynalo posted...

Many of the machines over here allow tap to pay and it works, but the cashiers are always surprised and/or confused when I use it.

It's so handy. I recommend you guys get it.

Ehhh that old shit #_#.

I use Samsung Pay with my phone.

Basically I just walk up to any card reader, unlock my phone, put my phone in front of it. Then it pays

People here in USA always think I am from the future or some millionaire tech mogul xD

I especially love the ones who go, "Apple Pay does not work here."

Then I am like "Ya that is cool, push the credit button on your screen already please."

Then they are like "But it does not work!"

Then I lean over and press the credit button for them, and it processes and I say "Ok cool thanks, can I get my receipt now?"

This happened.

Red_Frog posted...

I'll pass, I prefer stuff that doesn't make my funds easier to filch.

Tap is protected better than the chip. Covered better too.

Doctor Foxx posted...

I use it sometimes. Merchants are supposed to set limits to prevent a they ran spending spree but I spent almost $300 at ebgames with tap and no issue.

My mobile banking app notifies me instantly when transactions happen. If my phone is on and I tap to pay, there's a notification on my phone the moment approved hits the machine.

That's surprising. It's usually set to a $200 limit (then pin must be used to reset tap) type thing through banks, never heard of anything over $100 being tappable.

dedbus posted...

Even chip cards let you just pay without signing or a pin. You should set up notifications like foxx mentioned. Some banks will lock your card for certain behaviors like out of state or excessive perchases by default though.

I have to put in a pin at any place that needed a pin when you swiped
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Lil69Leo posted...

Doctor Foxx posted...

I use it sometimes. Merchants are supposed to set limits to prevent a they ran spending spree but I spent almost $300 at ebgames with tap and no issue.

My mobile banking app notifies me instantly when transactions happen. If my phone is on and I tap to pay, there's a notification on my phone the moment approved hits the machine.

That's surprising. It's usually set to a $200 limit (then pin must be used to reset tap) type thing through banks, never heard of anything over $100 being tappable.

It was surprising to the shop as well. They said it won't work over $50. I absentmindedly tapped and the transaction was approved before he could cancel it.

Tap is fast
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Lil69Leo posted...

GardenHamster posted...

@Dynalo posted...

Many of the machines over here allow tap to pay and it works, but the cashiers are always surprised and/or confused when I use it.

It's so handy. I recommend you guys get it.

Ehhh that old shit #_#.

I use Samsung Pay with my phone.

Basically I just walk up to any card reader, unlock my phone, put my phone in front of it. Then it pays

People here in USA always think I am from the future or some millionaire tech mogul xD

I especially love the ones who go, "Apple Pay does not work here."

Then I am like "Ya that is cool, push the credit button on your screen already please."

Then they are like "But it does not work!"

Then I lean over and press the credit button for them, and it processes and I say "Ok cool thanks, can I get my receipt now?"

This happened.

And then the whole classroom stood up and clapped
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My mom has one, but most credit cards I have seen don't have that feature.
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Lil69Leo posted...

Red_Frog posted...

I'll pass, I prefer stuff that doesn't make my funds easier to filch.

Tap is protected better than the chip.

Nope.

GardenHamster posted...

Then I am like "Ya that is cool, push the credit button on your screen already please."

We do that too, and it's hilarious (since I'm sure some people reading your comment may not know how Samsung Pay lets you mimic a regular credit card, so it will work on most magnetic strips, even if they're not equipped for phone payments). Always have to explain to the cashier why it's gonna work.

Its makes a bit of a scene every time though.

Red_Frog posted...

Lil69Leo posted...

Red_Frog posted...

I'll pass, I prefer stuff that doesn't make my funds easier to filch.

Tap is protected better than the chip.

Nope.

Zero liability. Slightly less secure. Still miles better. Add in the fact you can only use $200 and it's a much more secure way to protect your money. They get your chip and say goodbye to all your money.

Heh

Because I was an early adopter I still get 1% cash back on my Tap purchases
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My debit card has one but my credif card doesnt.

The tech is there its just not common enough.
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GardenHamster posted...

@Dynalo posted...

Many of the machines over here allow tap to pay and it works, but the cashiers are always surprised and/or confused when I use it.

It's so handy. I recommend you guys get it.

Ehhh that old shit #_#.

I use Samsung Pay with my phone.

Basically I just walk up to any card reader, unlock my phone, put my phone in front of it. Then it pays

People here in USA always think I am from the future or some millionaire tech mogul xD

I especially love the ones who go, "Apple Pay does not work here."

Then I am like "Ya that is cool, push the credit button on your screen already please."

Then they are like "But it does not work!"

Then I lean over and press the credit button for them, and it processes and I say "Ok cool thanks, can I get my receipt now?"

i dont believe this ever happened
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@helIy posted...

i dont believe this ever happened

ok @_@....

But you do know like literally a few comments above you someone else with Samsung Pay has the exact same issue right?

It actually happens a lot, everyone knows Apple Pay, but no one knows Samsung Pay.

Apple Pay apparently works no where.

While Samsung Pay I am leaning into the fast food window saying "bring that reader over here xD."

The trick to make Samsung Pay work everywhere. Is just to disable NFC on your phone. Then it forces it to send out same signal as a credit card.

Literally everything that accepts a credit card, accepts Samsung pay.

But thanks to Apple Pay users. Everyone thinks your shit will not work xD.

PuddingBoy posted...

Lil69Leo posted...

GardenHamster posted...

@Dynalo posted...

Many of the machines over here allow tap to pay and it works, but the cashiers are always surprised and/or confused when I use it.

It's so handy. I recommend you guys get it.

Ehhh that old shit #_#.

I use Samsung Pay with my phone.

Basically I just walk up to any card reader, unlock my phone, put my phone in front of it. Then it pays

People here in USA always think I am from the future or some millionaire tech mogul xD

I especially love the ones who go, "Apple Pay does not work here."

Then I am like "Ya that is cool, push the credit button on your screen already please."

Then they are like "But it does not work!"

Then I lean over and press the credit button for them, and it processes and I say "Ok cool thanks, can I get my receipt now?"

This happened.

And then the whole classroom stood up and clapped

That cashiers name? Albert Einstein
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When you "tap to pay", do you enter a PIN on the machine? Or anything? So in theory there's nothing stopping an attacker from carrying around a super beefy NFC transmitter/receiver and taking payments from everyone they walk past?

I need to learn more about electronics.

I probably have it on my Android but haven't bothered to use it. I've never seen anyone use it.
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Yellow posted...

When you "tap to pay", do you enter a PIN on the machine? Or anything? So in theory there's nothing stopping an attacker from carrying around a super beefy NFC transmitter/receiver and taking payments from everyone they walk past?

I need to learn more about electronics.

I probably have it on my Android but haven't bothered to use it. I've never seen anyone use it.

I mean I've had it in the UK for a few years now and I was sceptical at first too but I haven't even heard of somebody having those sorts of problems.
In the UK there's a 30 limit per transaction which seems kinda small but it's a little reassuring too.
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Yellow posted...

When you "tap to pay", do you enter a PIN on the machine? Or anything? So in theory there's nothing stopping an attacker from carrying around a super beefy NFC transmitter/receiver and taking payments from everyone they walk past?

I need to learn more about electronics.

I probably have it on my Android but haven't bothered to use it. I've never seen anyone use it.

It can happen but so can chip skimmers. Difference is the zero liability the companies have put on tap.

Yellow posted...

When you "tap to pay", do you enter a PIN on the machine? Or anything? So in theory there's nothing stopping an attacker from carrying around a super beefy NFC transmitter/receiver and taking payments from everyone they walk past?

Not in theory, in practice. A guy in London travelled on the bus scanning people's pockets back when the limit was 20. Moral of the story, pay with your phone which only pays out when unlocked.
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Lil69Leo posted...

Red_Frog posted...

Lil69Leo posted...

Red_Frog posted...

I'll pass, I prefer stuff that doesn't make my funds easier to filch.

Tap is protected better than the chip.

Nope.

Zero liability. Slightly less secure. Still miles better. Add in the fact you can only use $200 and it's a much more secure way to protect your money. They get your chip and say goodbye to all your money.

except chip requires the pin
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pin is only required if ran as debit.
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helIy posted...

pin is only required if ran as debit.

PIN is required when ran as credit here as well. I use my visa not tied to any back account and it requires a PIN every time. Unless I tap

We've had chip cards standard in Canada for a decade
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well you're in Canada, so
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helIy posted...

well you're in Canada, so

I'm in the US right now and plenty of places have made me input the pin when I used the chip. And I selected credit when prompted for credit or debit.
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helIy posted...

well you're in Canada, so

This was true using my cards in the United States and Mexico as well
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Weve had tap to pay for years in the US
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helIy posted...

well you're in Canada, so

Yeah but the thing you have to understand is, as with most things, America is the weird, backwards country when it comes to this.
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