Current Events > Do you have proper card transactions in the US now?

(+) Yeah! (+)

Last time I went yall didnt even have chip and pin let alone contactless. Everything was old fashioned sign for it.

UK has had chip and pin for two decades now.

Credit cards don't have PINs tho

BewmHedshot posted...

Credit cards don't have PINs tho

What? They do in the UK.

Credit cards do have PINs in the US, but that's only if you're going to withdraw cash from it. I don't think people typically do that here. We do have chips and contactless payments, though. The contactless thing isn't in all places, though.

CableZL posted...

Credit cards do have PINs in the US, but that's only if you're going to withdraw cash from it. I don't think people typically do that here. We do have chips and contactless payments, though. The contactless thing isn't in all places, though.

Thats so weird. We have chip and pin for all cards. Why restrict it just to debit cards in the US? You might call them another name. The car assigned to your day to day account.

SHRlKE posted...

Thats so weird. We have chip and pin for all cards. Why restrict it just to debit cards in the US? You might call them another name. The car assigned to your day to day account.

We don't use PIN codes for credit card transactions in the US. Credit cards are typically just tied to a credit account with a bank, and debit cards are linked to a checking or savings account that has your money in it. Also if you use a debit card as credit, you don't enter a PIN code here.

CableZL posted...

Credit cards do have PINs in the US, but that's only if you're going to withdraw cash from it. I don't think people typically do that here. We do have chips and contactless payments, though. The contactless thing isn't in all places, though.

I don't get this.
The last time I visited the USA was 2014 and I was so confused by the lack of Chip/PIN payments for pretty much everything. And that was New York City.

So I was thinking when contactless became a norm in the UK I assumed you would have adopted that straight away.

CableZL posted...

We don't use PIN codes for credit card transactions in the US. Credit cards are typically just tied to a credit account with a bank, and debit cards are linked to a checking or savings account that has your money in it. Also if you use a debit card as credit, you don't enter a PIN code here.

How do you authenticate credit card payments then?

SHRlKE posted...

How do you authenticate credit card payments then?

Spit.

Basically all credit cards in the US have a wireless chip now, maybe store cards dont

Doesn't Europe have like a really high amount of credit card fraud, and that's why they've been "ahead" in many of these credit card items

Damn_Underscore posted...

Basically all credit cards in the US have a wireless chip now, maybe store cards dont

In the UK its limited to 100 then you need a pin. The idea being if someone stole your care they shouldnt be able to empty your balance without needing additional verification.

SHRlKE posted...

How do you authenticate credit card payments then?

A lot of places just don't. I'd say the vast majority of stores don't.

My Target card is the only one with a chip and a PIN, but it's still not contactless.

CableZL posted...

A lot of places just don't. I'd say the vast majority of stores don't.

Dont take the payments or just let you pay without checking? In the UK thats set on the card company end. Usually visa or Mastercard. Id assume it was global.

SHRlKE posted...

Dont take the payments or just let you pay without checking? In the UK thats set on the card company end. Usually visa or Mastercard. Id assume it was global.

They let you pay without checking. If a fraudulent credit card transaction happens, then the creditor will issue a refund for the total amount and then maybe begin an investigation. Not sure if there is a certain amount the transaction has to be before the creditor will actually look into it, though.