Which mobile payment service do you use most?
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walmart app (Score:2)
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Why use a one-store special payment scheme when physical credit cards are already easier to use than the one-store solutions? That's what I do at places that don't use Apple Pay.
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I reiterate: it's nice to have a feature like this to organize your shopping, but what good is a feature supported by only one retailer? We shop at Walmart too, but we also shop at many other places.
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MONERUJO (Score:2)
Easy Money (Score:2)
I use Google Pay to give money to people I personally know. My plumber, the maid, my niece when she fed my cats while I was away. I pay the guy who cuts my grass with it. I can skip the ATM (it comes from the same account anyway), and it's easy to send money to a phone or email address. The best part is I can do it from anywhere. Two years ago (it was google wallet then) I paid a guy to shovel snow off my sidewalk in New Jersey with it. I was in Santiago, Chile.
Re:Easy Money (Score:4, Insightful)
I send money by direct bank transfer, it gets there in a few seconds and costs neither me nor the recipient anything at all. I live in England, maybe things are not so easy in the USA.
Comment removed (Score:4)
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In the UK, bank transfers cost £0, and usually take 3 - 10 seconds to reach the account.
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You have a point. ... I'm not sure Brexit won't kill that as well, for UK based transactions...
I'm Dutch. Banks often transfer the money to your target countryman in seconds (it MAY take up to a working day but often enough it's near instantly). European transfers are fast as well, but not THAT fast. We also have a system called IDeal. Pretty much all the banks and most web shops who do business in the Netherlands, support it. Clients pay nothing extra and webshops may pay a fee to their financial service p
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I send money by direct bank transfer, it gets there in a few seconds and costs neither me nor the recipient anything at all. I live in England, maybe things are not so easy in the USA.
In the US, there is a $40 fixed fee for wire transfers. I wish there was a lower-cost option for sending small international payments like Christmas money to an in-law in Germany. I did try doing this for less with PayPal's new international money transfer app, but it didn't work. So back to paying $40 to send $200.
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Re: Easy Money (Score:2)
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Free for international? There are several apps for small cash transfers person to person, but they are domestic only.
Interac not listed because....? (Score:2)
'Mobile payment', LOL (Score:1)
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You're not too familiar with modern technology or the interwebs, are you?
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Or perhaps you don't read enough tech news and are somehow ignorant of the virtually daily breaches of every type of data processing system there is, especially relevant to this discussion: payment systems. There are NO electronic payment systems that are actually secure. NONE. It's not a matter of if, but when they'll be breached, and banking information, identity information, will be stolen. Has already happened on numerous occasions in fact. But apparently you're living in your own little Univer
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A coworker had his card info stolen when he payed at the pump recently. The bank immediately contacted when the first out of state charge went through, apparently you can't make two purchases 700 miles apart within 30 minutes of each other without it setting off some alarms which makes sense.
My wife used to manage a convenience store chain people trying to install skimmers after hours was a big thing on the stores that weren't 24 hour.
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To make a payment with Samsung Pay you need to either enter a PIN or pass an iris/fingerprint scan. It also uses a separate card number to the account it's connected to, and you can cancel/regenerate this at any time. It's harder to make a payment with a stolen phone than a stolen card, and it's quicker/easier to cancel and re-issue.
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You don't cancel the iris or fingerprint - you cancel the "card" associated with the phone. Then even if they can pass the biometric authentication, they won't be able to make payments. Because the phone is a different "card" to your physical card from the payment terminals' point of view, this doesn't interfere with your ability to pay with the physical card, or to create another virtual "card" from it on another phone.
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You may as well just have your banking info tattooed onto your forehead and go walk around in bad neighborhoods singing show-tunes to attract as much attention as possible.
It's not quite that bad.
But I do avoid using NFC, for the simple reason that it was cracked before it ever became common in phones.
But when the chip in one of my cards went out, I have in fact used my Garmin watch for payment on occasion.
That will be rectified by a replacement card.
Speaking of which: many people will use an xacto knife or similar to make a very small notch on the edge of their cards away from the chip. That cuts the NFC coil (antenna), forcing the use of the chip or magnetic str
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Security (Score:5, Informative)
I am in a wheelchair and it'd be relatively easy to steal my wallet and use my credit card, I wouldn't be able to fight back much. However, I now leave my credit card at home and use Apple Pay everywhere (I'm in Canada). Somebody could steal my phone but at this point there's no way a thieving meth head will be able to get past FaceId or passcode, at most they could sell a locked phone for a pittance or spares. My payment information is more secure this way.
It's also much easier for me to handle a phone than fiddle with cards with my limited dexterity.
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I read a story of a bomber pilot who kept his service pistol loaded, but with no round in the firing chamber. He was shot down over an asian country and captured. One of his captors grapped the pistol from his holster and pointed it at him. When his captors were momentarily distracted he whipped out another pistol that he had hidden on him, chambered a round and shot his captor in the head while he was trying to shoot him with his own pistol. He managed to get away and was soon rescued.
Re: LO. No way past FaceID? Riiight. (Score:1)
Just unlocking an iPhone doesnât give you access to ApplePay; this may come as a surprise but the people at Apple are somewhat smarter than you. The user has to authenticate when triggering the payment process which times out after 30 seconds or so, so your planned assault would have to occur pretty much at the point of sale, by which time you might have figured out that it would have been smarter to pay for your own damn coffee.
Giving what to who? (Score:2)
Since someone already pointed out how you have no idea when ApplePay requires authentication, I thought I'd also just add that you have no idea how ApplePay attaches to cards for payment - Apple doesn't store your card number anywhere, they forward the request to the card holder which issues a token that the device, and device only stores.
ApplePay even has to be set up separately on an AppleWatch from an iPhone...
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face id is easy to bypass...
you advertise it all the time...
No: https://support.apple.com/en-u... [apple.com]
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I just went to Target this Saturday and the fugly POS system has an "extension" at the top with NFC so you can pay with your card/phone. Walmart is still years behind everyone.
I'm in Canada and use GooglePay (and before that was paypass by tapping my card) everywhere, restaurants, groceries, gas station, dollar store, hardware store, name it. The only place that does not accept any kind of paypass is wal-mart.
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Walmart is developing their own competitive system. They are purposely not allowing it. As a customer, I prefer and trust Apple Pay.
CVS was another, but they recently implemented it.
https://www.retaildive.com/new... [retaildive.com]
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Walmart is developing their own competitive system. They are purposely not allowing it. As a customer, I prefer and trust Apple Pay.
CVS was another, but they recently implemented it.
https://www.retaildive.com/new... [retaildive.com]
Is there in truth no value? (Score:2)
Yes, it's a deliberate double entendre about the threat of mobile payments. (Might be an accidental triple?) Difficult to clarify, but I'll try:
(1) Does truth have no intrinsic value?
(2) Does value have no intrinsic truth?
The underlying problem relates to the "real value" of money and how the form of that money distorts or even controls the "exchange value". When you go all the way back (even past Ricardo), the original idea was to trade concrete things with clear values. I have more food than I need right
Wechat and Alipay (Score:2)
When in the US - none, credit cards are enough.
However, Wechat and Alipay are extremely convenient in China, and require no special hardware beyond what's available in any smartphone.
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Yes, and they are so far ahead of any US based system in terms on functionality,..
Question is: How so? Please elaborate for some of us in the west, who think we've got it all nailed up and that we are "up there" when it comes to tech.
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mobile payment (Score:1)
Cash. Mobile, accepted everywhere.
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Sadly, that's not true. A few business refuse cash. They say that the losses from the credit card fees are less than the losses they had been having from theft (external, or inside jobs) of cash.
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I pay cash at every place you just mentioned.
FitBit Pay (Score:2)
Cash which seems quite mobile (Score:3)
I don't even have a banking app on my phone so get off my lawn.
The ultimate in mopery would be purchasing an iPhone with Apple Pay.
Re:Cash which seems quite mobile (Score:5, Interesting)
I boycott those stores and establishments that don't take cash. It does not matter if I am going to pay with debit card or cash, it is the principle that counts. If a store does not accept cash, it is weakening our society.
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If a store does not accept cash, it is weakening our society.
Can you expand on this idea? The reasoning is unclear to me.
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Have you ever shopped online? Do you pay for your internet service by check?
I do shop on the Internet. I pay services that charge a "convenience fee" for credit card payments by check.
A $3 surcharge for a $60 bill is worth the price of the check and stamp.
If there isn't a reduction in price of 4-7% when I pay cash, I'll make them eat my American Express.
THIS IS ME... (Score:2)
...specifying the mobile pay system I use most often, in comments. Instead of posting anonymously I decided to use my real account and leave the service anonymous.
Debit and Credit Card (Score:2)
They are very much mobile and they work perfectly.
Google Pay and PayPal (Score:1)
I use PayPal or Google Pay when I don't feel comfortable handing over my credit card details.
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Venmo? (Score:2)
I would think anyone with even a small amount of technical knowledge would avoid Venmo like the plague.
Never Will Use These (Score:1)
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Being outside the USA (Score:2)
I use a contactless debit card for items up to £30 if I have my wallet on me and an app from my bank (Barclays) if I don't. I rarely carry much cash. Most of my bigger purchases are online nowadays.
Nothing is 100% secure but if it is a choice of being stolen from online or offline, the online version hurts less and involves little blood or adrenaline.
Starbucks (Score:2)
Out of all of these options I use Apple Pay the most... but REALLY I use Starbucks pay even more.
That's right - I use my virtual Starbucks card more often then I pay for anything else using a virtual card.
Kind of sad really - but the benefits of the Starbucks card are way bigger :-)
Bitcoin ! (Score:1)
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Yeah, because I like standing around waiting 30 minutes for my payment to confirm when I buy my groceries. I'm not buying it.
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Yeah, and while waiting the ledger gets hacked - again.
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Cash (Score:2)
Cash is my favorite mobile payment service. The government provides it for free (no membership fees, no monthly fees, and no transaction fees), and it doesn't require any sort of proprietary applications so you don't have to worry if your OS supports it.
The "catch" (if you can call it that) is that it uses a physical token for its security. On one hand, since every mobile OS is absolutely awful, this modular approach to security means that you can actually do a good job and not have to worry about any remo
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Swish (Score:1)
Paypal (Score:1)
Paypal
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Yeah, seriously, Paypal wasn't included? It's like the first mobile payment platform.
Cash (Score:2)
Google Pay until recently... (Score:2)
For a while I would use Google Pay at the few places I knew supported it and had no problems. Recently the app started harassing me to type my passcode into the app itself after having just done that to unlock the phone.
It use to be that you just unlocked your phone and held it next to the terminal. Now I'm unlocking my phone, holding it up, taking it away to take the passcode, waiting a second and then putting it back up.
At this point it's faster to just get my physical wallet out, shove the card into the
Local & Top 3 with most promos & discounts (Score:1)
Well actually in Indonesia there is no Appple pay, so for international transactions we only have 3: Google pay, Paypal, & Credit card, as for local onlline ecommerce I have the top 3 with most promos & discrounts wars between them, customers are always the winner :-)
java training in chennai (Score:1)
java (Score:1)
Apple Pay technically ... but .... (Score:2)
I still find myself using my credit or debit cards far more often than one of the e-payments services. I've used Apple Pay most often inside an iOS app that lets me pay with it for something like ordering a pizza or buying movie tickets, vs. pulling out my phone at a retail location.
I guess that's mostly because old habits die hard (since I almost always have my phone with me)? But I think it's also because of some hassles when stores had problems with their electronic readers. (EG. I was trying to pay for
Cash (Score:2)
Cash (Score:2)
Cash is pretty mobile.
Square Cash (Score:1)
Not sure why Venmo is in the list but Square Cash isn't.
10% cash back at Whole Foods. Or $1 per cup of coffee everywhere.
Zelle (Score:2)
Crypto-Currency (Score:2)
None (Score:2)
None... I refuse to run ROMS on my phones that treat me like a hostile entity. I run OS's where I am root and control everything about the phone and can override app permissions as I see fit, or run customized TCP/IP stacks or modified hosts files, and backup all my apps and data locally into an encrypted blob that only I have access to, so that I am not forced into the cloud. I used to chase the various methods to hide root so that I could use these pay apps but gave up. Just not worth it.
Debit Cards (Score:2)
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Another feature is that you can share it with people without even knowing. Who carries much cash nowadays? Have you never heard of pickpockets?
Or you could give it to the nice man with the gun, knife, baseball bat or tyre iron...
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Wish I was stuck back in the middle ages. Old age really sucks!