Current Events > So my bank FINALLY got Samsung Pay.

(+) Yeah! (+)

I've been waiting for literally years for Huntington National Bank to get that shit. I've wanted it for ages.

A. It's really easy to use. Literally just hold your phone by the card machine and touch the fingerprint scanner on your phone.
B. There's all kinds of rewards for using the program that I could've been earning. Considering I'm already using my card anyway, it would've been nice to get the rewards (gift cards, giveaway entries, etc).
C. 90% of cashiers don't realize it literally works on any credit card reader. So when they say "we don't have that Apple Pay thingy on this reader" I get to blow their minds when I tell them "just hit the button" and then it beeps and I walk away. :-P
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So you literally only use it to blow the cashier's mind?
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Patty_Fleur posted...

So you literally only use it to blow the cashier's mind?

No, that's just a bonus. The real reasons to use it are the first 2.
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its just as quick to pull out your card
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Rika_Furude posted...

its just as quick to pull out your card

But then he can't show off.
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Rika_Furude posted...

its just as quick to pull out your card

It's really not. At the place where I work it's literally at least twice as fast. For our store:

Card: Pull out wallet, open wallet, get card out of annoying little slot, put it in the machine, wait for it to register, answer 3 questions (cash back, verify amount, credit/debit), remove card, put back in annoying wallet-slot, put wallet away.

Phone: Pull out phone, swipe up, touch fingerprint, answer 1 question (credit/debit), put phone away.
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I remember this commercial with this black dude showing off. Seems lame to do it in real life.
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Aristoph posted...

Rika_Furude posted...

its just as quick to pull out your card

It's really not. At the place where I work it's literally at least twice as fast. For our store:

Card: Pull out wallet, open wallet, get card out of annoying little slot, put it in the machine, wait for it to register, answer 3 questions (cash back, verify amount, credit/debit), remove card, put back in annoying wallet-slot, put wallet away.

Phone: Pull out phone, swipe up, touch fingerprint, answer 1 question (credit/debit), put phone away.

you're overreacting, it takes 2 seconds to pull your card out of your wallet and should be done before you're at the counter
america has implemented cards wrong if you have to answer 3 questions, but even then that should only take like 1 and a half seconds

im failing to see how phones improve the experience other than "oh shit, i forgot my card. thats ok, i got my phone backup"
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Aristoph posted...

Rika_Furude posted...

its just as quick to pull out your card

It's really not. At the place where I work it's literally at least twice as fast. For our store:

Card: Pull out wallet, open wallet, get card out of annoying little slot, put it in the machine, wait for it to register, answer 3 questions (cash back, verify amount, credit/debit), remove card, put back in annoying wallet-slot, put wallet away.

Phone: Pull out phone, swipe up, touch fingerprint, answer 1 question (credit/debit), put phone away.

Take wallet out before cashier is done ringing. Take card out within 2 seconds. Tap to the machine. Put back in.
I don't see how that's slower than
Try to find phone. Fiddle around with it to turn it on. Swipe left and right to try to find the wallet app. Fail to put finger at the proper place. Give up after 3 unsuccessful tries. Put phone back wherever it was. Try to find wallet. Look around inside it to find your card. Insert it the wrong way. Take it out, and put it back in too fast, causing an error. Take it out again. Put it back in once the cashier told you to. Enter wrong nip. Remove card. Wait for cashier to tell you to try again. Insert card again.

See, I can do it too.
And the way I described it happens more often than people actually knowing how to use their phone to pay.
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Rika_Furude posted...

you're overreacting, it takes 2 seconds to pull your card out of your wallet and should be done before you're at the counter
america has implemented cards wrong if you have to answer 3 questions, but even then that should only take like 1 and a half seconds

It literally takes at minimum 20-30 seconds to run a card just from the moment the card is inserted into the reader to the moment they are allowed to take it out. The chip reader is slow as hell. And yes, there are 3 prompts (that people constantly screw up). It's annoying as hell and just plain sucks. For whatever reason the phone reduces it solely down to 1 question (the "do you want cash back" and "verify amount" prompts are gone), significantly speeding up the process.

stone posted...

Take wallet out before cashier is done ringing. Take card out within 2 seconds. Tap to the machine. Put back in.
I don't see how that's slower than
Try to find phone. Fiddle around with it to turn it on. Swipe left and right to try to find the wallet app. Fail to put finger at the proper place. Give up after 3 unsuccessful tries. Put phone back wherever it was. Try to find wallet. Look around inside it to find your card. Insert it the wrong way. Take it out, and put it back in too fast, causing an error. Take it out again. Put it back in once the cashier told you to. Enter wrong nip. Remove card. Wait for cashier to tell you to try again. Insert card again.

So in your example they know exactly where their wallet and card are and how to use them when they try to pay with the card, but then are apparently mentally challenged on doing the exact same thing if their intent is the phone? Not to mention that the general population is far more likely to know where their phone is than their wallet, considering their phone is used at least 10 times as often. I've literally not heard a single person utter the phrase "I forgot my phone" in at least 10 years. You can't just assume that one person is competent and the other is not because it suits your agenda. If they're both competent, the phone is at least twice as fast. If they're both incompetent, then it doesn't matter because they're both going to take fucking forever.

Also, the Samsung Pay app leaves a small slider at the bottom of the screen (kind of like the Apps Edge panel on the sides of the screens) so you just swipe up from anywhere. You don't even have to unlock the phone to use it, so it's just "tap the button, swipe up, fingerprint scan" and you're done. There's no searching for anything.

And 9 times out of 10, the person who's actually tech savvy enough to know what the fuck Samsung Pay is would also be perfectly capable of using it properly. Whereas any dumbass fuckhead can have 20 credit cards.
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Aristoph posted...

It literally takes at minimum 20-30 seconds to run a card just from the moment the card is inserted into the reader to the moment they are allowed to take it out.

what? i've used my card hundreds of times and it never takes more than 5 seconds, and thats on a slow day
and thats how long it would take to process the same payment via phone

and cards have paypass/wave
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Aristoph posted...

Rika_Furude posted...

you're overreacting, it takes 2 seconds to pull your card out of your wallet and should be done before you're at the counter
america has implemented cards wrong if you have to answer 3 questions, but even then that should only take like 1 and a half seconds

It literally takes at minimum 20-30 seconds to run a card just from the moment the card is inserted into the reader to the moment they are allowed to take it out. The chip reader is slow as hell. And yes, there are 3 prompts (that people constantly screw up). It's annoying as hell and just plain sucks. For whatever reason the phone reduces it solely down to 1 question (the "do you want cash back" and "verify amount" prompts are gone), significantly speeding up the process.

stone posted...

Take wallet out before cashier is done ringing. Take card out within 2 seconds. Tap to the machine. Put back in.
I don't see how that's slower than
Try to find phone. Fiddle around with it to turn it on. Swipe left and right to try to find the wallet app. Fail to put finger at the proper place. Give up after 3 unsuccessful tries. Put phone back wherever it was. Try to find wallet. Look around inside it to find your card. Insert it the wrong way. Take it out, and put it back in too fast, causing an error. Take it out again. Put it back in once the cashier told you to. Enter wrong nip. Remove card. Wait for cashier to tell you to try again. Insert card again.

So in your example they know exactly where their wallet and card are and how to use them when they try to pay with the card, but then are apparently mentally challenged on doing the exact same thing if their intent is the phone? Not to mention that the general population is far more likely to know where their phone is than their wallet, considering their phone is used at least 10 times as often. I've literally not heard a single person utter the phrase "I forgot my phone" in at least 10 years. You can't just assume that one person is competent and the other is not because it suits your agenda. If they're both competent, the phone is at least twice as fast. If they're both incompetent, then it doesn't matter because they're both going to take fucking forever.

Also, the Samsung Pay app leaves a small slider at the bottom of the screen (kind of like the Apps Edge panel on the sides of the screens) so you just swipe up from anywhere. You don't even have to unlock the phone to use it, so it's just "tap the button, swipe up, fingerprint scan" and you're done. There's no searching for anything.

And 9 times out of 10, the person who's actually tech savvy enough to know what the fuck Samsung Pay is would also be perfectly capable of using it properly. Whereas any dumbass fuckhead can have 20 credit cards.

See, in your examples you act like people don't know where their wallets are, even if it's always at the same place, same with their cards.
My wallet's in the same pocket as my phone. The cards are all in the same place, and I always use the same two for my various purchases.
And chio readers certainly don't take 20-30 seconds. What kind of prehistoric machines do they have over there? It's like 5 seconds, tops. Even faster when you tap.

And I just did it the way you did it to show you your examples sucked, but hey you'd be good at writing those "as seen on tv" ads, where people can't do simple things without setting their house on fire, just for the sake of selling something you didn't know you needed.
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Rika_Furude posted...

Aristoph posted...

It literally takes at minimum 20-30 seconds to run a card just from the moment the card is inserted into the reader to the moment they are allowed to take it out.

what? i've used my card hundreds of times and it never takes more than 5 seconds, and thats on a slow day
and thats how long it would take to process the same payment via phone

and cards have paypass/wave

Wonder where he lives that takes so long. Even 15 years ago when chips were introduced it wasn't that slow.
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stone posted...

See, in your examples you act like people don't know where their wallets are, even if it's always at the same place, same with their cards.

Actually, in my example at the start I assumed both people were competent. You're the only person who assumed any level of idiocy at any point. If both people are competent, the phone is significantly faster. If they're both morons, then they both take ages. That's literally all there is to it. And it's an objective fact, as I literally tried it out myself tonight. And it was my first time using Samsung Pay, so I didn't even know the exact process yet (had to follow the tutorial the first time to make sure I wasn't missing a step) and it was still faster than the card.

I live near Cleveland and our card readers suck. It takes about 3-5 seconds after the customer has finished their input for the reader to communicate with the banks and get the approval. Yes, they're abnormally slow. But the actual input from the customers is faster with the phone than with the card, which means that the whole transaction is faster with the phone. Not sure what is so hard to comprehend here.

BEST CASE SCENARIO:
The wallet and the phone take the same amount of time to get out.
Getting the card out of the wallet takes the same amount of time as swiping up to bring up the Samsung Pay.
Putting the card into the machine takes the same negligible amount of time as pressing the fingerprint scanner on the phone.
Card requires 3 questions, phone requires 1.

So in the end, the phone is once again faster. There is literally no scenario where the phone is slower, given the same level of competence from the user. It's not even a debate, honestly. It's just reality.
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Aristoph posted...

stone posted...

See, in your examples you act like people don't know where their wallets are, even if it's always at the same place, same with their cards.

Actually, in my example at the start I assumed both people were competent. You're the only person who assumed any level of idiocy at any point. If both people are competent, the phone is significantly faster. If they're both morons, then they both take ages. That's literally all there is to it. And it's an objective fact, as I literally tried it out myself tonight. And it was my first time using Samsung Pay, so I didn't even know the exact process yet (had to follow the tutorial the first time to make sure I wasn't missing a step) and it was still faster than the card.

I live near Cleveland and our card readers suck. It takes about 3-5 seconds after the customer has finished their input for the reader to communicate with the banks and get the approval. Yes, they're abnormally slow. But the actual input from the customers is faster with the phone than with the card, which means that the whole transaction is faster with the phone. Not sure what is so hard to comprehend here.

BEST CASE SCENARIO:
The wallet and the phone take the same amount of time to get out.
Getting the card out of the wallet takes the same amount of time as swiping up to bring up the Samsung Pay.
Putting the card into the machine takes the same negligible amount of time as pressing the fingerprint scanner on the phone.
Card requires 3 questions, phone requires 1.

So in the end, the phone is once again faster. There is literally no scenario where the phone is slower, given the same level of competence from the user. It's not even a debate, honestly. It's just reality.

Except you keep ignoring the fact that both Rika and I have pointed out. Cards have tap/paywave/paypass. That makes your argument invalid.
Both take the same time if used by a competent user.
But most of the time, the user isn't. Both for cards and phone pay.
I've seen plenty of people taking forever with both payment methods, for various reasons.
And in my example, it's how I personally do it. I take my wallet out BEFORE the cashier gives me the total. I don't wait for them to finish scanning my things before starting my part of the transaction. I always have my card out by the time they're ready to give me my total, and it takes half a second to put my things back afterwards.
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stone posted...

Cards have tap/paywave/paypass.

I didn't know that. So I just press my card against the machine instead of using the chip reader? Never used that feature before.
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Simon_Petrikov posted...

stone posted...

Cards have tap/paywave/paypass.

I didn't know that. So I just press my card against the machine instead of using the chip reader? Never used that feature before.

yeah ive been doing it for years, super convenient
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Why do they make people even use the chip reader, then?
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Simon_Petrikov posted...

Why do they make people even use the chip reader, then?

they shouldnt be, unless you're trying to use the swipe first in which cause they should be smacking you
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Rika_Furude posted...

Simon_Petrikov posted...

Why do they make people even use the chip reader, then?

they shouldnt be, unless you're trying to use the swipe first in which cause they should be smacking you

Most places in the U.S. don't have the capability to just tap/wave like that. It requires a special kind of card reader that is in no way popular yet in the States and the vast, vast majority of retailers aren't willing to put in the investment for entirely new card readers when the ones they currently have are already adequate.

I keep ignoring that ability because there is literally not one single place that I have been to in my area that has ever had that capability. The beauty of Samsung Pay is that it literally works on any card reader, even 15+ year old machines that only have the magnetic swipe readers.
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@stone
@Rika_Furude

Where do ya'll live?
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Simon_Petrikov posted...

@stone
@Rika_Furude

Where do ya'll live?

Québec, Canada. We've had paypass/tap/whatever for at least 10 years, if not more. And chip cards for even longer than that.
Rika's in Australia.
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They aren't common in America at all. This is another thing that the US is way behind on.
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Strange that y'all needed to argue a point that doesn't seem to apply to people in the US.
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Simon_Petrikov posted...

Strange that y'all needed to argue a point that doesn't seem to apply to people in the US.

How am I to know that something that's been available in Canada for over a decade still hasn't made it to the States?
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How come in the US contactless technology is all "apple pay" or "samsung pay".

Long as they accept contactless cards won't they work with both?

Aristoph posted...

The beauty of Samsung Pay is that it literally works on any card reader, even 15+ year old machines that only have the magnetic swipe readers.

How do you use your phone on the magnetic swipe?

a weird thing happened to me.

the washing machines in my building have NFC readers. so i used my phone to pay. it went though okay and i did all my laundry.

3 hours later, my phone buzzes and it shows my laundry transactions and says DECLINED. my card works fine. i called my card issuer and they said they see no issues on their end...

its been 2 days and i dont see anything on my statement about them so uh.. yay free laundry???
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Milo_Yiannopous posted...

How do you use your phone on the magnetic swipe?

you just hold it near the swipe thing.
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Milo_Yiannopous posted...

How come in the US contactless technology is all "apple pay" or "samsung pay".

Long as they accept contactless cards won't they work with both?

yes and no. they should work and can work, but some companies are trying to block them from expanding their business in favor of their own or getting better deals. so itll read it, and then decline it.
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i have an iphone, does Apple pay work the same way? it'd be cool to be able to go out somewhere and not have to bring my wallet, esp if i am going to the gym or going for a run and want to carry as little as possible
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Simon_Petrikov posted...

@stone
@Rika_Furude

Where do ya'll live?

Australia. Cant remember when we got paypass/wave/chip cards but i remember using it at least 7 years ago
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Huntingdon sucks
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No fingerprints
Can't use this garbage
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Romulox28 posted...

i have an iphone, does Apple pay work the same way? it'd be cool to be able to go out somewhere and not have to bring my wallet, esp if i am going to the gym or going for a run and want to carry as little as possible

Not really, no. Apple Pay doesn't work on the magnetic strips, so you have to make sure that the retailer itself has opted in to their system, similar to the VisaPaypass that's been mentioned.

Samsung Pay really is far and away the best option of the phone-payment options because their technology is just objectively better.

Milo_Yiannopous posted...

How do you use your phone on the magnetic swipe?

Just place the phone near the magnetic swipe reader and the phone sends a small signal that simulates the magnetic strip on a card. The reader's sensor literally cannot tell the difference between the magnetic fluctuations generated from the strip of a card and the magnetic fluctuations generated by the phone.
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Jiek_Fafn posted...

No fingerprints
Can't use this garbage

You can use your PIN as well. Fingerprint is just easier and faster.
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Aristoph posted...

Romulox28 posted...

i have an iphone, does Apple pay work the same way? it'd be cool to be able to go out somewhere and not have to bring my wallet, esp if i am going to the gym or going for a run and want to carry as little as possible

Not really, no. Apple Pay doesn't work on the magnetic strips, so you have to make sure that the retailer itself has opted in to their system, similar to the VisaPaypass that's been mentioned.

Samsung Pay really is far and away the best option of the phone-payment options because their technology is just objectively better.

Milo_Yiannopous posted...

How do you use your phone on the magnetic swipe?

Just place the phone near the magnetic swipe reader and the phone sends a small signal that simulates the magnetic strip on a card. The reader's sensor literally cannot tell the difference between the magnetic fluctuations generated from the strip of a card and the magnetic fluctuations generated by the phone.

Wait... in the US they still have the swipe readers? WTF they got rid of those about 10 years ago in theUK.

Milo_Yiannopous posted...

Aristoph posted...

Romulox28 posted...

i have an iphone, does Apple pay work the same way? it'd be cool to be able to go out somewhere and not have to bring my wallet, esp if i am going to the gym or going for a run and want to carry as little as possible

Not really, no. Apple Pay doesn't work on the magnetic strips, so you have to make sure that the retailer itself has opted in to their system, similar to the VisaPaypass that's been mentioned.

Samsung Pay really is far and away the best option of the phone-payment options because their technology is just objectively better.

Milo_Yiannopous posted...

How do you use your phone on the magnetic swipe?

Just place the phone near the magnetic swipe reader and the phone sends a small signal that simulates the magnetic strip on a card. The reader's sensor literally cannot tell the difference between the magnetic fluctuations generated from the strip of a card and the magnetic fluctuations generated by the phone.

Wait... in the US they still have the swipe readers? WTF they got rid of those about 10 years ago in theUK.

Not only does the US still have them, most places use them and refuse to upgrade to chip readers so i hear. Some places even keep their swipers, and refuse to implement chip readers they have been provided. I dont know why, there cant be any legit reason
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Rika_Furude posted...

Not only does the US still have them, most places use them and refuse to upgrade to chip readers so i hear. Some places even keep their swipers, and refuse to implement chip readers they have been provided. I dont know why, there cant be any legit reason

They're slower and more prone to malfunctioning, honestly. I can't stand our chip reader at work. Any moisture whatsoever, or simply tapping the card while it's inserted can cause the thing to fuck up and have to start over. It's annoying as hell.
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Aristoph posted...

Rika_Furude posted...

Not only does the US still have them, most places use them and refuse to upgrade to chip readers so i hear. Some places even keep their swipers, and refuse to implement chip readers they have been provided. I dont know why, there cant be any legit reason

They're slower and more prone to malfunctioning, honestly. I can't stand our chip reader at work. Any moisture whatsoever, or simply tapping the card while it's inserted can cause the thing to fuck up and have to start over. It's annoying as hell.

They are absolutely not slower. Im speaking from experience here. Ive only seen one malfunction in over 7 years of using chip cards and that was due to the ethernet cord being damaged and not the reader itself
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Rika_Furude posted...

They are absolutely not slower. Im speaking from experience here. Ive only seen one malfunction in over 7 years of using chip cards and that was due to the ethernet cord being damaged and not the reader itself

I'm not having this conversation with you again. Objective observation of our chip reader has shown hundreds of times that the swipe is faster than the chip. Our card reader does not accept the chip from Discover cards (everything else requires the chip, just not Discover for some asinine reason I never understood). Swiping a Discover card is ridiculously faster than using the chip for everything else. Period.

And when I say malfunction I don't mean the entire card reader breaking and needing to be replaced or repaired. I mean the individual transaction fails and needs to be attempted again. That happens at least 10 times more frequently with the chip reader than with the swipe because it is significantly more sensitive and finicky.
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Ive never seen any of that either. Tell the technician who installed the card reader to do his job right because yours must be faulty if its reading slower than a swipe
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