God bless.

>>56588090
>he doesn't tap to pay

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>>56588090
>mfw Apple Pay is flawless

>>56588090
I can't remember the last store I was in that didn't have the chip card goomer.

>arguing about the best method of getting their purchasing habits logged
>goodgoys.jpg

>>56588090

This. Three times a week minimum.

A fucking swear, I avoid all stores that try to make me swipe! Is this only a problem in America?

What's the problem with swiping vs using the chip thing?

>true NEET here

This angers me

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>>56590616
>everyone gets sent a replacement credit card
>"you have to use the chip now on chip scanners"
>most stores now have chip scanners
>only half of the chip scanners are properly wired up
>if you swipe and the chip scanner works it will ask you to chip
>if you chip and the chip scanner doesn't work they'll ask you to swipe
it's the "both people step around each other the same way" kind of annoyance

wait people don't tap?

>>56590720
That's bretty dumb yeah,buy like you explained it it sounds bretty funny

I like how america is just starting to get chips as the rest of the world settles into tap.

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>be american
>be 10 years behind in payment technology

I bet you still pay by cheque

Ausland has had chip/pin/contactless for over 3 years now, 2 years for NFC phone payments.

Most stores around here still Swipe.
Less than half use the Chip.
American South...

>>56590901

It's about the only thing tech related that we're semi up to date with though.

>>56590901
>For over 3 years
BRAVO
R
A
V
O

>>56588090
I just got mine recently and every time I've used the card it's always gone through without asking for a PIN. This makes me worried that the card is as secure as large bill cash. I fear for when the homeless figure out how easy it is to use if you steal the card.

Why do people on /g/ shit on people who pay cash?
Cash is simple and is 20x faster than the alternative.

Literally everyone in line at the supermarket pays with credit card and it takes a whole minute and a half to pay from the time they insert their CHIP card till the register spits out the receipt.

I fucking hate shopping now.
Thanks for nothing, europe.
You've effectively doubled the amount of time I have to spend at the supermarket.

>>56591108
>tfw everyone in my country still prefer cash by a lot
Thanks third world shithole!

>>56590959

Yeah. Feels bad man.

>>56590901
We've had this shit longer. By the time you guys implemented it, the chip was out. Here we're updating

>>56591108

Usually it's for one of two reasons. They're either smug assholes or the person advocating cash is a smug asshole.

>>56588090
ITT: amerifags can't into 2010 technology

>>56588090
>wanting your credit card stolen cause of the chip.

I prefer to use cash.cause your pruchases will not be logged and used against you in a later date

I install these, and commonly hear it's because they're "not wired up properly"
They're wired up properly, it's that the banks they use to process the transactions have been extremely slow to invest in upgrading their infrastructure, and so the chip transactions can't be run.
It's literally 100% credit processors and bank based, not on failed installation by the businesses

>americans still swipe their cards

wtf

>using cards in 2016

>>56588288
>flawless

Having to use iOS seems like a major flaw to me

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>2016
>buying things
never change /g/

>>56588090
As a cashier ive seen this exact situation with that exact expression on the dumb ass customer's face thousands of times

>>56590901

>I bet you still pay by cheque

If you want to piss off everyone behind you, yes.

>>56588090
>>56591398
I don't get it. Can somebody explain this to a non-burger?

>>56588288
>can't be used on magnetic readers
Samsung Pay w/ MST wins here. The Gear S3 watches have MST, but I wonder if you can use it without a Samsung phone.

>>56588090
>be me
>get lunch with coworkers
>pay
>be not retarded, i can read the card say "insert or swipe", and see the blinking light by the chip slot
>*Insert Card*
>Application Not Supported, Please Swipe
>Hmm?? Ok
>Go back another day
>remember chip not working
>*swipe*
>Please use Chip
>*use chip*
>Application Not Supported, Swipe
>*swipe*
>Success

w h y

>>56588450
It's astounding how everyone's reading comprehension goes to shit when reading the words "chip reader unavailable," on a sign that's literally covering up the slot for it.

>"Oh, I can use my chip here!"

>>56591108
>Why do people on /g/ shit on people who pay cash?
>Cash is simple and is 20x faster than the alternative.
>Literally everyone in line at the supermarket pays with credit card and it takes a whole minute and a half to pay from the time they insert their CHIP card till the register spits out the receipt.
Well here they don't take any time, it's practically instant. Also a card with a chip can't be stolen that easily if you don't know the PIN. Paying with cash would only be slower when you have to give the cashier money, they count it and give you your change. With a card you put it in and enter your PIN and it's done. Also you can use NFC in some cards so you don't even have to do that. I just don't trust it if there's no PIN involved.

>>56591427
Sure let me ruin the joke by explaining it to a eurotard. Recently every bank pushed (fast and hard) a new way of using your credit card, called "chip". Essentially instead of swiping your card you just slip it in a little slot and it does the rest for you. They shill that it's much more secure.

>>56591427
Amerifats adopt Chip based technology for credit cards, i think europoors had them for a few years before us.

They just started rolling it out. and like most retarded people in retail. they cant determine that a system isn't ready for Chip technology.

Stores will have a reader, People will have the chip, but the reader has a possibility of not being set up... So most retail stores have a blocker on the slot saying "Chip not ready" or the machine will say explicity to swipe, and a light by the mag swipe will be lit but the light by the Chip will not (which smart people would figure out that "oh can't take the chip"

So they get retarded about the process.

>>56591108
>cash is 20x faster

Maybe if you have the correct amount prepared while you're standing in line and you don't have to fuck around back and forth with change.

>>56590890
Which we've had for 2 decades, now.

>>56591535
While the 5+ people in front of me are all slowly paying with their CREDIT CARDS, I already have a general idea of what my total will be + 10% for tax.
Did you not look at the prices? Is this a foreign concept to you?

>>56591578
Yes. Don't forget, receipts are a foreign concept to these people.

>>56588090
>having a physical card
>not having apple pay

cool webcomic grandpa.

>>56590901
that's not just america, UK have been using contactless for so long I forgot about the swiping and signing bullshit.

Japan you can pay for mostly everything with IC Card.

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>>56591657
>machine says apple pay
>"Sorry, that doesn't work yet!"
>machine has chip
>"Sorry, that doesn't work either, you gotta swipe!"
such is life in america

amerifats, just get up to date. you can buy your burgers faster than ever

Chiped is just an excuse to remove credit card companies liability

>>56591578
If you didn't have some African internet connection it would be the five credit card people in front of you who pay faster than you, even all combined together. That's why it's common in Europe. The method is not broken, it's fast and simple when done right.

Cash is king

>>56591720
>when done right.
Why are Euros so self righteous?

>online purchases are still the most at risk especially when Jamaal copies down you cc number/security number to buy his 500 dollar beats headphones

>>56590901
>He stores important information on his cell phone.

Good luck no getting your identity stole from the local slav.

>>56591470
Not every business is smart enough to tape that shit off, ever think about that?

>'merica
>using magstripe and chip at the same time

It's like your house now have two front doors, a shitty one that's falling apart and a sturdy one. What's the point? Burglars will break the shitty door anyway even if you only use the sturdy one all the time.

>>56591108
>Thanks for nothing, europe.
Meanwhile in europe I use paypass and it is faster than paying in cash.

>>56588090
I work at coffee bean and I deal with this all day everyday. We used to swipe the customers card and now we have new machines with chip readers that we haven't used since we got them.

feels good to live in a first world country

>>56588436
>Implying they can't track cash

>>56590720
Only in freedomland

>>56588090
Are they supposed to check IDs with chipped cards?

If they don't, how does it stop theft or whatever?

are americans living 15 years in the past or what

what's with all the chip card threads?

>>56594193
pin

>get card with chip in it
>go to woolies
>asks for me to tap, so i tap
>payment goes through
>no pin entered
>get home
>get knife
>put a hole through the chip

>>56591453
Gear 2 required a Samsung phone as well as I'm sure a Gear 3 would. Even if there was a workaround you'd need Samsung Pay to be working.

Which it wouldn't if you rooted or broke Knox.

what exactly was wrong with magstripes?

>>56591108

>it takes a whole minute and a half to pay from the time they insert their CHIP card till the register spits out the receipt.

Hi, how's that 56k dial-up treating you?

>>56593994
How exactly do you track cash payments if the store you're buying from doesn't require an ID or any personal documents?

>>56594293
They are piss easy to clone.

>>56594303
smile you're on camera and you're the only one who paid with cash

>>56590901
>Phone NFC payment
I really don't understand how this is better than a contactless card.

>>56594308
that's what insurance is for

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>>56590901
>>56594274
>Leaving your banking information vulnerable through NFC.

I use cash mostly anyway

What the fuck is "swiping"?

Isn't that the shit they used in the 80s?

Just tap the card, fuckhead.

>>56594310
but i was wearing my black afro wig and nigra suit, they'll never know it was me

>>56594310
The security camera is the only thing that can possibly identify you. But the cameras can't really tell someone how much cash you've spent.

>>56591108
>be euro
>go buy groceries
>take the self scanner thing
>scan things as I pick them and throw them in my bag
>go to self checkout
>pay contactless
>receipt is shat out in seconds
>don't even have to type the pin if I spend less than 25 euro
Meanwhile there's a 20 minute queue at the human cashier because a granny is still picking her coins from the purse.

>>56594015
this, here in europe i can pay contactless with my card or phone and it works everytime.

Cash does not have this problem.

>not using an IC card that can be bought anonymously, used offline, pay literally anything, opt-in connection to your bank account or credit card for auto-recharge, contactlessly.
>The IC card is used since 97.
>The American is lagged behind for 20 years.

>>56591108
>and it takes a whole minute and a half to pay from the time they insert their CHIP card till the register spits out the receipt.
What the fuck? No it doesn't. The *only* thing that takes any noteworthy amount of time is when they make you sign their part of the receipt. In my experience it takes literally less than 5 seconds for the device to finish the transaction.

>>56591672
>Japan
This

>not paying in cash

Do you hate freedom?

https://stallman.org/rms-lifestyle.html

>>56591384
we dont all still live with mommy and her new boyfriend.

>>56591467
because you're an idiot who cant even use the simplest of technologies.

you should stick to wheels and levers, pal.

>>56594328
implying i dont have signal blocking card sleeves.

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>>56594625
This guy is too perfect.

>That religion section.

>>56594625
Top Kek

>>56594274
>scared someone's gonna steal $30 worth of tranny porn DVDs

You could probably get it disabled by your bank, you know. I know my online banking has the option to change the amount, don't know if you can turn it off or just set it to $0 online or not.

>>56590169

Yes. The rest of the world did away with mag stripes almost 10 years ago.

>>56591108
stupid person here

>>56594328

I work for the bank in this pic >>56590901

Only fraud causes we've ever had involving NFC were stolen cards. Customers reported the cards stolen, got their money back in a couple of days.

>>56594625

How can the king of spergs still be so condescending.
he has no ground to stand on

>>56594777
(You)

>>56594785
thanks, but fuck off.

>>56588090
Why is America so backwards when it comes to payment systems?
>still uses paper bills that are easily counterfeit and torn
>still uses the penny even though it's worth nothing
>vendors stay with card swiping even though all major banks have implemented chip cards and all new card readers include the chip slot

Come on, it's 2016!

>>56591578
lol this faggot looks at prices at remembers them for each product. Enjoy shopping 50% slower than me.

>>56590901
>Chip & pin for only 3 years
jesus

>do you want that as a credit or debit transaction
WHAT DOES THIS MEAN

>>56591759
When you catch up you can be self righteous too

>>56594957
He said 'over' not 'only'...

>>56594963
Debit = bank account
Credit = credit account

>>56590616
Swiping a card basically just farts out your full card number and expiration date and security code directly into the machine. All of that information is directly recorded unencrypted on that magnetic strip and it gets read directly every time you swipe. When you use the chip, the reader asks the card for a special number that only works one time, the chip gives the reader a number, the reader talks to the bank to get another code, and if they match, the transaction goes through. It is infinitely more secure because your card number never gets transmitted and the codes only work one time and are randomly generated every time you use it.

>>56594996
I don't get it

>>56594996
but

but it's either a debit card, this already directly tied to a bank account, or a credit card tied to a credit card

why the fuck would you need a switch or to choose how to run the purchase

>>56595008
*credit card tied to credit account

>>56594987
over suggests it's closer to 3 or 4 than any other number, in either case still
>jesus

>>56595007
Credit = the bank pays the merchant, and then you have to pay the bank back.

Debit = the bank takes funds out of your account to pay the merchant.

>>56595036
He's not talking about just chip and pin though, he's talking about the newer series of chip-and-pin and contactless cards. Chip and pin cards have been around for... I don't know, but I can remember having one about ten years ago.

>>56595042
that makes no sense

is this some retarded america-only definition of debit and credit i'm missing

>>56590901
You need to come to Germany, dude.
Practically everyone pays for everything with physical money. They are basically screwed if you can only pay by credit card/contactless etc.

>pay for purchase with debit card
>"do you want that as debit or credit"
>"credit"
>money doesn't leave your account in a few hours after clearing
why even bother differentiating debit and credit cards?

>>56595008
It has both credit and debit cards in one package so that you dont have to carry two cards. When buying you can choose which one to use.

>>56595007
Debit = The money is taken from your bank account directly. If you dont have enough then either your balance will be negative or the payment is rejected

Credit = You dont actually pay anything, the bank pays everything for you. You'll of course have to pay them back some day but this can be done in installments and stuff depending on your credit account.

>>56591551

But still not actually using it.

>>56595058
I believe you're trying to make a point, but I just can't imagine what.

>>56595068
Germany is weird. You guys dont trust anyone with anything.

Glad to see America is starting to get what the UK has used for over 10 years. We've had contactless payment for a while now, maybe you'll get that by 2030 :^)

>>56595093
I could only see that as being a confusing mish-mash of payment methods instead of neatly demarcating your debit ('ordinary banking') and credit purchases, but ok

>>56595118
america only now realising how good other parts of the world have it. you don't say

>>56591578
Having taxes excluded from the price tag is worse than Hitler [inb4 Europoors can't into math]. Also,
>looking at the prices of groceries
Do you actually ever NOT buy something - even though it's delicious - becaue it is "too expensive"?

>>56595164
>mmm. fucking poorfags WISH they had this high-quality shit i'm eating. it's delicious and i'm smarter than you

>>56595187
WTF are you trying to imply? Poor people are often badly nourished because they can't afford healthy food - it's a pretty well known problem. Also, captcha had me select all images with popcorn.

>>56595220
>poor people can't afford lentils and rice
Said no-one ever.

>time to pay for lunch and a latte macchiato
>left wallet at home like the 10x developer you are
>put on a smug face as you realice you can pay with your phone
>find out that your chinkphone bricked as you ran the memedroid update this morning without praying to stallman
>starve to death while wondering why no one built über for funerary services

>>56595226
>lentils and rice
Yeah, because *those* are the staple of a healthy diet...

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>>56595312
Uhh, yes they actually are.

Between them, they make a complete protein of the essential amino acids, and lentils are rich in vitamins and minerals.

It's why they actually are a staple of many different peoples from the western edge of Africa to Bangladesh.

>>56591108
i don't use cash because i hate having pockets full of coins. you'd be amazed how much left over money you have because it stays in the bank instead of being spent on shit/given to beggars/dumped in a whiskey bottle

>>56588288
Can't speak for Apple Pay, but Android Pay was a lifesaver not 10 minutes ago. Forgot wallet but needed some water, tap, boom, done. feelsgoodman

>tfw when living in central/eastern Europe
>Everybody have PayPass on their cards for like 6 years

Way to go America.

>>56595352
So you're saying a person could live a healthy life by eating just rice and lentils - no vegetables/fruit, no fish, no nothing? Come on!

>>56595425
No, I never said that at all. A staple is a foundation of a diet, not the entire diet itself.

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>>56594625
>I don't have favourites
>now let me list my favourites
Gaynoo Lincucks, everyone

>>56590169
South African here.

Every time I get a chip card, a couple months in the thing stops working and I have to swipe.

Problem here is the blacks at tills are too fucking dense to understand so they keep cancelling the transaction and tell me to put my card in again.

It's to they point where I just fucking draw cash from an atm rather than having to deal with these imbeciles or get a new card every couple of months.

>>56595438
But what's your point then? I said "poor people are often badly nourished" and then YOU started the whole lentils & rice discussion as if the whole notion was silly.

>>56594625
This is the most autistic thing I have ever read

Yes, cash is bad, only criminals use it! It's third world! We would live in a way better world were all money is digital. I mean you can trust banks, credit card companies and now phone makes to not do anything bad with all this information :^)

>>56595515
Then you should read his article on having sex with plants and parrots.

>>56595499
It is silly, because basic foods like lentils, rice, carrots, beans, tomatoes, etc. are cheaper than eating unhealthy junk foods. Poor people are badly nourished because of their own choices, not because of the cost of basic foods.

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>>56595400
>>56595499
>>56595522
>>56595533
I agree

>>56595400
Fuck off Pyotr

>>56595268
>starve to death while wondering why no one built über for funerary services

no, no, your supposed to say >tfw the botnet wants you to starve

>>56594914
>not fist bumping the cashier to pay with implanted electronic wallet full of Trump Coins
It's like you live in a third world country or something.

>>56595383
fast food places have to give you free water

>>56595633
Fistbumping is for negroes.
All Trump deals are made with a handshake, with an RFID chip in your palm.

>>56595533
>It is silly, because basic foods like lentils, rice, carrots, beans, tomatoes, etc. are cheaper than eating unhealthy junk foods.
Uh... you do realize we're not talking fast food chains here? Unhealthy food is often cheaper than vegetables, especially if you consider quantity vs. quality.

>>56595679
No they don't. I live in Arizona and people around here used to say the same shit due to the weather, until I looked it up and realized they were wrong. Most places are willing anyways, however.

Why is food at restaurants so cheap in America, but groceries so expensive?

>>56595944
Refills in general are not a thing in Europe, let alone giving out free water.

>>56595965
>Why is food at restaurants so cheap in America
because in America you have to give a tip to your waitress since the restaurant doesn't pay them

>>56595965
I've never been to the U.S. - is this true?

>>56594274
>get wallet with cash
>go to woolies
>asks me to pay, hand over a $20 note
>payment goes through
>no pin required
>get home
>get knife
>put a hole in my bank notes

>>56595809
I didn't mention fast food chains, and you're still wrong.

Those aforementioned lentils and rice, or any staple, will take up the majority of the meal and only cost a couple cents. Five to ten cents for herbs and spices, if you want.

All the rice, beans, lentils, herbs, and spices you get in bulk. My shop of choice is an Indian grocer who imports the stuff, so you can buy 30/50kg bags of rice, 1kg bags of pepper, shit like that.

If you want to add some fresh or frozen vegetables, that's an extra ten cents.

Meat is always a tricky bit, because just a little bit of meat can easily be fifty cents. Talk to some butchers though, especially ones at weekend markets. If they're not open during the week, they want to get rid of their stock come Sunday afternoon.

Lastly, you carry around a notebook with you. Everywhere you go, any supermarket or store you come across, go in and check the prices, write it down, with a date, and if it's a special see if it has the end date.

You'll start seeing some patterns, like at a supermarket near me when I had to do this, cereal would get discounted every four weeks, and bread would get heavily discounted on Wednesday after about 7:30pm. If there was roast chickens left at the deli, they'd go on special around 8:30pm because the evening rush has died so they just want to clear it.

You have to learn to make your area work for you. Figure out how, where, and when everything happens. If you get that nailed down, you'll be eating healthily for practically nothing, and far, far cheaper than unhealthy food could ever be.

>just forget about fruit though

>>56590901
>making fun of cheques
Shut your stinking whore mouth! Its still what i remember and miss the most about france holidays as a kid

>>56596171
You miss writing cheques? What?

>>56588090
How behind is fucking America.

Here in London we have implanted payment chips in our hands and we just wave to pay.

>>56596167
That seems like a lot of work. What country are you from anyway?

>>56595809
Go to a fucking shop you idiot. Premade 'lentil bourgeois' will of course cost more than fast food.
You buy the fucking lentils in bulk, then make food.
Unhealthy food is MUCH more expensive than healthy food if you cook it yourself.
claiming otherwise just shows that you're trying to eat like a king when you should be eating like a peasant.

King food is expensive.

>>56596276
He could be in any first world country.

>>56594392
>implying
http://www.forbes.com/sites/kashmirhill/2012/02/16/how-target-figured-out-a-teen-girl-was-pregnant-before-her-father-did/#4c0d2dca34c6

>>56595969
We do have free refills for everything but regular water.

>>56590901
Nigger, in _poland_ I have contactless since 2008

>>56596383
>pooland
>calling other people niggers

>>56596489
>USA
>Being behind Poland both with payment technology and LTE.

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>>56596276
>trying to find out what country he is from so you can ridicule him based on stereotypes because he beat you in an internet argument

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>>56596489
>60%

>>56596673
Actually, I'm honestly interested because it contradicts the stuff I've read which in turn mostly concentrates on MY country. That fact that he beat me has nothing to do with it.

>>56596241
>mark of the beast

>>56588090
enjoy your botnet, goy

>>56591470
> the words "chip reader unavailable," on a sign that's literally covering up the slot for it

If only my life were so fucking blessed

Nobody has these where I am.

>>56595103
It's just that you Americans all seem to live in constant debt. So you're obviously dependent on this electronic payment bullshit.

Not normal over here, so we pay in cash.

>>56593914
That is a very retarded analogy, as usual.

>>56594971
Looks like you're the one playing catch up.

>>56591108
>Cash is simple and is 20x faster than the alternative.
no, it takes me literally under five fucking seconds to pay with an nfc card AND register my member card. First tap registers membership, second one pays. *tap* *tap*. I fucking promise you no one ever pays faster using cash. Stupid argument

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You know what's funny?

Here in Germany paying with Visa or Mastercard wasn't a thing until recently (like 2 years ago). I have no idea why but since 2 years a shitton of shops started to accept Visa and Mastercard and plastic money in general. Even shitty cafes and stuff which were cash-only for years.

Since then I almost exclusively use my Mastercard because it's 10 times faster than the EC (debit) card. Like the old days before the EC card had then PIN.

With my EC card it's
>insert card
>wait 20 seconds
>enter PIN
>wait 20 seconds
>the thing realizes you entered only 3 digits because for some reason, it didn't register one number
>enter PIN again
>wait another 20 seconds
>transaction complete

With my Mastercard it's
>insert card
>receipt comes out immediatelly
>sign receipt
>gtfo

Some vending machines don't even want neither signature nor PIN for the Mastercard.

>>56588195
>>56588288
Tap to pay rarely works in the US because NFC readers are rarely there or enabled.

>>56590169
Yes. The problem is that the rest of the world set up online authentication infrastructure much later than the US and needed robust secure offline transaction capabilities (and were subject to more fraud) so they set up chip earlier with the whole back and forth. The US largely used magswipes which can be spat out as a read of the magswipe to the terminal/point of sale and then no real further communication with the card is required.

If the reader/point of sale software are properly set up for EMV, then you dip the chip. If the software doesn't support it then you have to swipe, even if the reader has a chip slot.

>>56590720
See above.

>>56590901
Banks implemented contactless in physical cards insecurely in 2004/2005 which led to people not trusting the wireless tech.

>>56591108
>cash is 20x faster
oh yeah, counting cash, giving it, getting change, etc. is so fast compared to credit... oh wait, it's not.

>>56591317
US acquirers/processors had to support all four major credit card networks for EMV chips as of April 2013. merchant banks support it at this point, it's merchants themselves that are the issue.

>>56591482
boy, the slowest I've had for a chip transaction was about 15 seconds. it's slower, but not more than 60 seconds for sure.

>>56591685
this, so hard. so many readers display the contactless logo, put phone up, doesn't do anything.

>>56593914
the problem is older readers and merchants willing to accept liability for fraud still use magswipes. it's backwards compatibility.

>>56594263
we only switched in late 2015 to chips (and not fully) because we have a much older online card authentication infrastructure.

>>56594308
banks pay for card present cloning fraud. eventually fraud rose to the point where paying for chips + Rollout was cheaper for banks then paying for the fraud on magswipe.

>>56594274
You know that that chip is the very requirement for NFC to work?

>>56594461
>looking like a twat

>>56595979
well even though I'm from the most expensive countries in Europe, groceries were pretty much the same priced in NYC last time I visited. Junk food is cheap, but quality food range from normal priced in my mind (still, I'm from really expensive country where everything is taxed multiple times) to tad bit expensive, but it's the tipping which makes the eating out experience expensive.

Meats are cheaper than anywhere.

Most of the European countries are cheaper in general, though. Like Spain, Italy, Germany even - groceries are way cheaper in those countries.

>>56595008
If you run a debit card in credit mode, it gets processed differently. It generally doesn't require a PIN, and the bank generally gets paid more money by the swipe then if you run it over the debit network.

Stores HATE this, and many of the bigger stores will code their readers/registers to recognize debit/credit mode based off the first 4-6 digits (Bank Identification number) and automatically select debit mode if it's a debit card.

>>56595081
Liability and benefits are different, plus see last reply.

>>56595522
https://www.youtube.com/watch?v=yDBy8qSiXSU

>>56598085
>groceries were pretty much the same priced in NYC
>NYC
there's your problem m8

go literally anywhere else

>>56597269
>It's just that you Americans ALL seem to live in constant debt
Isn't racism and generalization a punishable offense in Germany?

>>56591039
100% THIS!
Wtf is that shit?
I'm currently in canuckistan (originally europoor), and every fucking terminal wants chip, but just accepts without any pin or signature.
WTF?
TF?W
F?WT
?WTF
That's not how it's supposed to work!
If my wallet gets stolen, I now not only have the annoyance of loosing a few hundred bucks and having to lock my cards, but, depending how fas I realize it, I'll also loose up to 6000€.
Fuck that shit. Now I'm also one of those gay front-pocket walleteers.

>>56591039
Our local debit card system (European country) has been Chip+PIN for years, which is mostly OK for all but those few retarded stores which still seem to have their terminals on dial-up and it takes half a minute to authorize.

But Visa and MC are 99% Chip+Signature or Chip+Nothing. Never had to enter my PIN anywhere which is really useful for quick purchases like at the train station. Literally just insert the card, wait 1 sec, pull it out, done (inb4 lame sex joke).

The security is shit if your card is stolen but it's not like signature is any better. But afaik the stores have to cover the liability if they don't offer PIN

>>56598106
>>go literally anywhere else
san fran?

>>56588090
>living in america

>>56598210
>But afaik the stores have to cover the liability if they don't offer PIN
Th liability of loosing thousands of dollars when your card is stolen? I don't think so.
Seriously, a card should be set up in such a way that it only gives out more than, say 20$, with a pin. No exceptions!
Fuck convinience. I'd rather be safe.

>>56598431
>Th liability of loosing thousands of dollars when your card is stolen? I don't think so.

If you call your bank and the card is locked in time but they don't do any validation, it's their fault. If someone pays with the stolen (and locked) card and the store doesn't check if it's valid, tough luck.

If it's stolen but NOT locked then it's your fault of course. But I've never heard that happen.

I rather have some convenience than protection of some imaginary tinfoil scenario when someone loses their card, they don't call their bank and someone picks it up and goes on a shopping spree.

when are americans going to ditch the fuckign magnetic stripe? its the reason ATMs are not secure and cards can be stolen with skimmers.
i have a card since 9 years or so when i was 14 and never used the magnetic stripe a single time.
if not for americans our cards would be 100% safe. now they need to have retarded magnet to be universal.

>>56598523
Stores had until October 2015 to do so. Those who don't accept chips and have a fraud claim must claim fraud.

Gas station pumps have until October 2017.

ATMs have an undefined timeframe for mandatory chip support.

It will probably be 5-10 years before legacy magswipe tech gets retired fully in favor of chip as older magswipe equipment is replaced with equipment that supports chip.

>>56598516
>card gets stolen/lost
>takes m an hour or two to notice until I reach for it when making another purchase
>meanwhile, cleetus buys 10 gal of jack Daniels and 4 4k TVs

What happens with the money cleetus spent, until I locked the card?

>>56598579
you can just set your card to have a limit for PIN-less transfers. my card is set to fifty PLN its like $12, enough for shopping. only when i have to pay more i need to use the password.

>>56598680
>you can just set your card to have a limit for PIN-less transfers

You can't because lots of Terminals can (or will) only do Chip+Signature or Chip+Nothing. I've never even used my PIN for my credit card.

Here's an answer by the train company: https://community.bahn.de/questions/956825-hallo-kreditkartenzahlung-automaten-keine-pin-verlangt
If you can't read German it essentially says people are too stupid to realize that their credit card even comes with a PIN and they don't want to confuse them or not have them pay at all because they don't know it.

>>56594303
>how do you track cash

all cash comes from banks and goes to banks they're federal reserve notes. All bill have a serial number.

it's very easy to track. Also cash is slow compared to card so it makes it more noticeable on camera and you do shop at stores with some basic security right??

>>56594625
>Swedish folk fiddling

yeah I bet that pedo fuck really enjoys fiddling

>>56594328
>not protecting your cash with a simple finger print scan

>>56594299
Tele-comms companies are fucking evil.

>>56594730
>almost 10 years ago

I'm 27 and I don't remember someone swiping a credit card in real life.

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>>56588090
>Be me, as a cashier at a grocery store.
>Already want to hang myself.
>Card pad has both swipe, and non functioning chip reader.
>Chip reader has a card inserted to tell people to just swipe, and not insert the chip.
>People actually remove the card, and insert the chip...
Fucking kill me plz.

>>56588090
BUZZFEED COMICS

>>56598120
How do you disable the pin? I also live in Canuck but I always have to use the pin except for tapping.

>>56597984
Except those 20 seconds are 2-5 seconds in real life.

>>56588090
It's fucking retarded swiping my card so much faster

That shit takes forever

Europeans are such dumbasses I swear to G-d

>>56590901
Because you're government cucjed you and now you enjoy it.


Lol you don't even have guns anymore because your men are spinless.

It's pretty apparent when sailors from America dock in Australia, and there are women everywhere trying to get some American man.

your country is cucked.

>>56588090
wow, murifats are too stupid to use cards with chips
Kek

>>56598027
>Tap to pay rarely works in the US because NFC readers are rarely there or enabled.
Maybe in bumfuck nowhere. Everywhere else contactless works.

>>56594625
this entire screed is 'i will live like a monk until it becomes inconvenient, at which point i will mooch off of "someone nearby"'

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of all things, getting angry about using 'chip cards' and refusing to deal with, just because the entire rest of the civilised world (and poland) have had 'chip cards' for the past decade, if not longer

america, ladies and gentlemen

>be /g/
>suspect botnet everywhere
>suspect jewish conspiracy everywhere
>readily give over all of my transaction history to some companies in exchange for being able to pay .1 second faster or having the latest and greatest

cash is still king

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>>56594625
The king of lincucks everyone. So much autism concentrated in one person. No wonder no one takes loonix seriously.

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>>56596501
this desu

>>56600247
>be /g/
>setup your own microprocessor in a chinese manufacturer with your own ram bank chips and computer parts made with free projects
>plugin your network and only browse the deep web with tor with all possible vpns and cryptographics enabled
> no smartphones, only old era cellphones
>no banks, no credit card, only money
schizophrenia is a hell of a disease.

>>56599775
Try New York City, Boise, Chicago, Quad Cities, upstate New York, central New Jersey, etc... these are areas with decent or high populations.

Welcome to last fucking decade. What is wrong with you people? Can't Amerisharts remember 4-digit codes?

>>56600410
I have tried those places. Those were some of the first places to have it back in the early 2000s. The only places that might not have it are tiny mom and pops that haven't updated their POS systems since 1995.

>using anything but cash

LMAO nu-males

>>56600413
The average American has multiple credit cards, the average being 2.6 cards (including people with no credit cards) or 3.7 cards (if you count the people that have at least one credit card). 34% of Americans have 3 or more credit cards.

Banks think Americans are largely lazy and will find the time/effort to enter the PIN to be a reason to pick a card they just have to dip (chip-and-signature) rather than chip-and-pin.

From my issuers:
>citibank cards, chip-and-sig, no PIN (both cards)
>chase cards, chip-and-sig, no PIN (all three cards)
>US Bank, chip-and-sig, no PIN
>Barclays Bank Deleware, prefers chip-and-sig, chip-and-pin fall back supported (both cards)
>Pentagon Federal credit union, Chip-and-PIN required
>TD Bank [Target card], Chip-and-PIN required
>Wells Fargo, chip-and-sig, no PIN

>>56600462
The problem is the readers fell by the wayside, many were put away or not maintained, and eventually to reduce risk the dynamic CVV3 became introduced on newer cards which required EMV to be supported by the terminal/point-of-sale. Also, certain stores like CVS and others disabled NFC readers to try to get people to use the CurrentC/MCX/store brand barcode shit.

>>56600520
>Wells Fargo, chip-and-sig, no PIN
What? I have to use my PIN with my debit card, I'm pretty sure.

>>56588288
My bank has an app that let's me use my visa or Debit via tap after fingerprint verification.

I have literally never used it.
I seriously don't see the point when I need my wallet anyway. I imagine you look like a sperg tapping your phone to.

>>56600548
Talking exclusively about credit cards in the prior post. For debit cards, I'm not aware of any bank that doesn't require use of the PIN if the transaction is processed in debit mode on a debit card.

>>56600520
but swiping signing the bill takes more time than using a chip and pin card. Not to mention contactless payments.

>>56600556
The idea of Google Wallet where payment + loyalty card + coupons/promotions would be combined in a single tap was fucking amazing, sadly that died on the vine. I don't really find NFC payment from android pay or apple wallet convenient either.

I've bought soda a few times.

There was also a promo in 2015 where people who signed up for Discover cards got their cashback doubled for a year (normally 1% so 2% everyday and 5% categories -> 10% on the promo). But they then offered 10% for Apple Pay purchases, which doubled to 20% cashback on Apple pay purchases for people in their first year. People went to best buy and such and used Apple pay like crazy. Discover lost a LOT of money on that one...

>>56600573
The signature in the US isn't really a security mechanism, it's used to show intent that the person signing agreed to the cardholder agreement. A lot of people just quickly move the pen up and across the screen and hit done.

Also a lot of stores don't require signatures for purchases under $25, meaning you just dip the card and remove it when the reader starts beeping at you.

>>56595004
https://youtu.be/-4_on9zj-zs?t=2m3s

I get that he is only copying the mag strip after but whats stopping him from copying the chip

>>56600573
Depends on the reader.

Here in Austria some readers still suck like they're on dial up and it takes half an eternity (it's only 20 seconds or so but it feels very long when there's a queue behind you).
Then it's quicker to just sign.

But newer terminals can handle PIN quicker, but not all merchants have them

>>56600665
>Hi! I'm an infamous hacker, also here's what my face looks like and I live in a castle in Dorset.

>>56600587
Yeah 20% cashback I'd go nuts as well.
But other than that seems useless. I guess it's just handy to have incase i ever forget my wallet. But hardly useful tech.
>>56600623
>>56600623
It's to show YOU purchased it amd agreed to purchase it. Not necessary with chip and pin transactions. Before chip everyone had to do this. It is not a thing anymore with PIN. likewise you forgot in murrica they fucking id you every god damn purchase.

>>56600707
implying white hat hackers hide there face.

>>56600724
>likewise you forgot in murrica they fucking id you every god damn purchase.
Why are you making shit up? You people are incredibly annoying with this shit.

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>mfw German
>even credit cards are a rarity here

Cash please.

>>56600623
contactless payments are still quicker though

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>not using cash for all possible purchases

>>56600520
>be American
>have 9 credit cards
>this is fine

>>56600724
>likewise you forgot in murrica they fucking id you every god damn purchase
I don't even have an ID and use my debit card for purchases quite often.

>>56600742
I shop in Washington state a lot.
Most stores id you when you make credit card purchases.
Every transaction is as follows.
>Give card.
>Can i see id.
>Give driver's licence
>punch in random shit
>sign screen
Also in a lot of stores they ask my fucking zip code adress and phone number. But i think that one is just like department store policy or something. Still hilarious that they ask for a zip code after seeing a Canadian driver's licence. American's are truly brain dead.

>>56600665
It's disingenuous, and for attention. Here's why.

>passport chip cloning
Yes, but the attack is of extremely limited use. It's hard to get the chip in the cover and have the passport not torn to bits. Almost every country also uses Basic Access Control (which requires information that is not physically broadcast but is visible on the printed machine readable zone on the bottom of the ID page) which makes it impossible to read the chip without the information from that zone. And many countries, including the US, use a digital signature on the passport to protect the information of alteration. Meaning you can make a clone chip, but you couldn't alter the photo/name/date of birth/etc. on the ID, as the digital signature wouldn't match the contents of the chip anymore. Basically, you can clone the chip from a real passport, but you could just also... steal the fucking passport. Even if they scan your passport they're STILL going to look at the physical ID page itself, and there's online lookup by customs authorities of the records from the countries themselves.

>credit cards EMV
He also has an EMV (Chip) reader. Yes, the chip can give your name (that's how your name appears on receipts), yes it can give an account number (how else is a store supposed to know who to charge). And it'll spit out a bunch of gobledygook that varies on every read because the card gives a dynamic response based off of the inquiries from the card. Using a USB EMV reader and saying "I SEE DATA" is no fucking surprise.

>>56595944
Wait can't you go in a café/restaurant and just ask for a glass of water there?

>>56600815
If the store allows it or the employee doesn't give a shit about the store's rule.

>>56600812 continued
>credit cards (RFID)
Yes, you can read certain information off it, like the card number. However, it's not enough information to make a fake magswipe (CVV1 from the magswipe data is not contained on the chip), enough to make a purchase online/via phone (the cardholder name is not contained on the card, only the account number and expiration, and the 3-4 digit CVV2 value printed on the card itself is not contained on the chip), nor is it enough to clone the card (the dynamic CVV3 used by the chip is transaction specific [challenge response], defeating replay attacks).

He's demoing that card readers can read things. HOLY SHIT.

When people were demoing this with RFID readers in 2005 when Paywave/Paypass chips in cards broadcast the actual account number, actual account holder's name, actual expiration date, and had a static verification value (like the magswipe) - MEANING (in 2005) YOU COULD ACTUALLY CLONE THE CARD - there was real value in showing how easy it was.

Nowadays we're getting "hacker" wannabe skid fucks showing up on their local news using an EMV or NFC reader and showing HOLY SHIT YOU CAN READ INFO FROM A CHIP. But cloning isn't possible with modern EMV or NFC chips.*

*(I will qualify that there are theoretical attacks based on the lack of randomness in unpredicable numbers that allows a compromised terminal to capture authorizations that you can replay at a similar terminal in the same country and to the bank everything looks kosher, but it's not a perfectly functioning copy of the EMV chip).

>>56600801
Do you not use zip codes outside the US this is news to me.
inb4 stupid American.
I have traveled out of the US just never noticed the missing zip form addresses.

>>56600801
It's against the merchant rules of the four major card networks in the United States to require ID to complete a purchase on credit (e.g. if you refuse, they are still supposed to complete the sale), but it doesn't stop people from doing it though.

https://usa.visa.com/dam/VCOM/download/merchants/card-acceptance-guidelines-for-merchants.pdf
>When should you ask a cardholder for an official government ID? Although Visa Rules do not preclude merchants from asking for cardholder ID except in the specific circumstances discussed in this guide, merchants cannot make an ID a condition of acceptance. Therefore, merchants cannot as part of their regular card acceptance procedures refuse to complete a purchase transaction because a cardholder refuses to provide ID. It is important that merchants understand that the requesting of a cardholder ID does not change the merchant’s liability for chargebacks. However, it can slow down a sale and annoy the customer. In some cases, it may even deter the use of the Visa card and result in the loss of a potential sale. Visa believes merchants should not ask for ID as part of their regular card acceptance procedures.

https://www.mastercard.com/ca/merchant/en/getstarted/BM_Manual.pdf
>A Merchant may request but must not require a Cardholder to provide additional identification information as a condition of Card acceptance, unless such information is required to complete the Transaction, such as for shipping purposes, or the Standards specifically permit or require such information to be collected.

>>56600901 here
Correction, Amex doesn't have a rule on it, and apparently Discover now permits merchants to ask for ID if they have suspicions about the transaction.

>>56600850
so from what I read cloning is not possible but getting card # and exp date is.

meaning someone can come up and pat you on the butt and get enough info to make online payments. so is tap the way to go with a fingerprint verification step? I just want to move to the safest method of not getting my shit jacked.

>>56600779
Most credit cards in the US don't have an annual fee, offer a wide variety of benefits, don't make you pay anymore than you would with any other payment method (assuming you pay the bill in full each month), etc... why wouldn't people have cards to get more cashback/benefits at different places?

Here are some examples of use of credit card benefits from me:

>buy Xbox One
>brother knocks beer on the controller
>Call Amex, which offers me $1,000 per incident/90 days accidental damage/theft protection for 90 days
>Give receipt for claim, ask for $65 (retail price + tax) for a new controller
>Refund: $429
>call amex, explain that only the controller broke
>they said since it came with the console I get the whole purchase price back and keep it

>buy dashcam (~$200, really good one) for car
>put it up, drive around the block
>pop microSD card to check footage
>drop it, have trouble finding it
>step on it, SD card breaks
>file claim, ask for $20 for a new 32GB microSD
>credit: $200, keep it

>have a Samsung Galaxy Nexus cell phone, one year warranty
>13 months in, the microUSB port shits itself and it won't charge
>extended warranty claim it
>two days later, credit: $370

>buy shoes, they fit, look good
>wear them for the first time two months after purchase
>it turns out they have an issue and cause me discomfort after wearing them for more than an hour
>extended return policy (free benefit), full refund of the shoes, just stick them in a box and apply a prepaid label, get all my money back

>>56600801
>I shop in Washington state a lot.
Good for you? Maybe Washington allows it. Nowhere I've been in America has ever asked for my ID to complete a purchase unless it was for drugs or alcohol.

>>56588195
This is actually incredibly insecure.

All they need to take you to the cleaners is to brute force the ccv.

>>56600964
this living in FL

>>56600893
No. No we don't. Why would you think it's an international thing?

>>56600901
Okay. Next time i go stateside i will bring this printed statement and scream "YOU CAN'T REQUIRE MY ID IM A SOVEREIGN CITIZEN!" they id me everywhere for most purchases. I don't have some moral issue with it, and i have never bothered refusing. It's just hella annoying and a Horribly slow process. Tukwila factory outlets are the worst for it.

>>56590901
>being proud of chip and pin
You realize the point of the technology is to shift civil liability to cardholders, away from point of sale operators and issuers right?
Right?

So they can legally blame the cardholder for failing to secure their pin, despite point of sale hacks that bypass the requirement.

>>56600964
>unless it was for drugs or a drug
What a stupid phrase.

>>56600958
>meaning someone can come up and pat you on the butt and get enough info to make online payments. so is tap the way to go with a fingerprint verification step? I just want to move to the safest method of not getting my shit jacked.
Not necessarily. Depending on the issuer, the number of the account on the chip may be totally different from the one printed on the card. If that's the case, the number is rejected when you attempt a non-NFC charge.

Also, most online stores require the cardholder's name, and the CVV2 value printed on the card.

>>56600990
just thought that how mail was routed like how i assume all IP have 4 segments of 3 bites.

>>56601004
for some reason people exclude a lot of drugs when using the term "drug", alcohol being one of them

>>56601002
Anon visa and Mastercard will reimburse me on anything bought on a stolen or duplicated Card as well as any purchase otherwise not made by me on my card. I have no idea what you are talking about.
>>56600964
I've been to a lot of states and i really can't recall for anywhere else. Especially since im doing the tourist/cash thing other places.
Where as Washington i go to monthly and it's 90% shopping 10%baseball.

>>56601004
Because legally they're a different purchase, asswipe.

>>56601048
Both are still drugs.

>>56601031
Nah in Canada we use postal codes.
Where your neighbourhood mailbox get's a six digit value in a X1X 1X1 format. But it's not attached to your adress. Similar though. I think other countries use very different systems than our two.

>>56601017
cool so to me chip seems really safe what is stopping all thees stores from adopting chip.

I dont have chip but when i go out with my friend I see him get cucked all the time when going to pay.
"sorry anon we dont take chip right now, you need to swipe"

>>56601059
Again, legally they are different purchases. If you're going to be pedantic, don't be a retard.

>>56588288
> mfw used Google Wallet for 5 years, Google rebranded it as Android Pay and people think Apple Pay is the hot new shit, but I've been using NFC payments forever

>>56593994
except it's OBVIOUSLY much more difficult than tracking payments made with cc/debit cards

>>56601091
And again, they're still both fucking drugs.

>>56601059
>confirmed for straight edge faggot.
>also autistic.

>>56601109
Ok thanks for playing. Maybe someday you'll know something everyone else doesn't.

>>56588090
>not avoiding this situation 90% of the time by using Samsung Pay

>>56601109
So is caffeine.
Do you go to starbucks and say, yeah i just bought some drugs?
If you went to the grocery store. Bought beer, coffee, picked up a prescription and then bought weed on your way home.
Would you say you just bought drugs?

>>56601110
>straight edge
Not even close, dipshit
>autistic
Wrong again, kiddo.

>>56601142
No, I'd be specific about what I bought. That's not the same as saying I bought drugs and this separate drug that I'm not including under drugs for some fucktarded reason

>>56601090
Cost, time, testing.

>cost
The readers cost money (good money, hundreds of dollars). Then you have to mount them, get them set up, etc.... and many stores use many readers. If you're a low value high volume transaction business (e.g. dry cleaners, fast food restaurants, etc.) then these are typically not where people use cloned credit cards. (Tap and pay may be nice, but the cost of a good contactless reader that works with your point of sale may be hundreds of cups of coffee, etc.)
Also, many stores don't have separate readers, but instead integrate the terminal with their point of sale. If that's the case, the version of your point of sale software has to support EMV too, and upgrades to PoS software can be risk prone/expensive.

>time
Even once you do the above the priority is to get the card EMV working over contactless since it's less popular, particularly among older people. Then you might start worrying about contactless

>/testing
Okay, you get readers that can read EMV/contactless and you get your point of sale software updated to a version where chip can work. You now have to start rolling it out and make sure that the changes don't bork your ability to run transactions.

>worry it will cement people into using cash/credit more
Merchants pay up to 22 cents + 0.5% of transaction for debit cards and up to ~35 cents + 2-4% of transactions on credit (although lower volume contactless transactions may be less). They want people to pay more with shit like their own apps, where it's a bank account and there's essentially zero processing cost to the transaction, or cash. They're worried if they make transactions easier on credit/debit, then more people will pay on credit/debit. CVS tried to disable contactless in their stores in an effort to get people to use some shitty app that went directly to your bank account and used QR codes instead, but they eventually gave up.

>>56600958
>meaning someone can come up and pat you on the butt and get enough info to make online payments
They'll get the account number, but they won't get your name or CVV code, both of which are usually required to to make online purchases.

>>56601162
>id be specific about what i bought.
Which is what tou were bitching about 5 seconds ago.
If alcohol is just "a drug" why wouldn't coffee be? Why specify?
If i said did you just buy drugs? Would your answer be yes? Or would you specify coffee?

>>56601031
The concept of a ZIP code is American exclusive, but postal codes (a unique format that uniquely identifies a city) is not.

Fun fact: Your five digit zip code identifies the city. The four digits (12345-6789, +4 digits would be 6879) identify a part of the ZIP code. Depending on the ZIP code this can be a city block, an apartment, a company/business/location that receives much mail, etc... in my (smaller) town, the +4 designates that it is delivered to an even numbered house on my specific street.

>>56601201
>Which is what tou were bitching about 5 seconds ago.
No it's not, I was bitching about generalizing other drugs under the term "drugs" and then being specific about one other drug. Two extremely different things.
>I bought some weed, coke, and alcohol
That's saying I bought three different drugs, and being specific about which ones they were.
>I bought some drugs and alcohol
That's saying I bought weed and cocaine, lumping them together under drugs, and then still specifying alcohol, yet another drug, as if it doesn't also fall under drugs.

>>56601243
Prescription drugs are fairly generalized you don't need to know specifically what he bought at a pharmacy. The regulations are the same.
He was talking recreational alcohol vs. pharmaceutical drugs.
Now. Even in the realm of recreational drugs. The legal system sees recreational drugs in categories. With alcohol being it's very own 100% legal substance.
I dare you to try this arguement on a cop.

>>56600961
>Most credit cards in the US don't have an annual fee, offer a wide variety of benefits, don't make you pay anymore than you would with any other payment method (assuming you pay the bill in full each month), etc... why wouldn't people have cards to get more cashback/benefits at different places?
You do know that the reason for this is because people in murrica tend to have outstanding credit card debt? This debt runs with a pretty high interest rate and is what funds all those benefits plus some pretty big profits. In the credit card industry people who pay their bill in full at the end of the month are actually commonly referred to as "deadbeats".

Also, before you go on about how "deadbeats" like yourself are actually gaming the system, try to remember that retailers are still paying roughly 3% commission on everything you buy with a credit card and are obviously passing on the difference to you. Here in europe where pretty much everyone is a "deadbeat" these commission fees are usually only about 1% meaning that there's a whole lot less that retailers have to pass onto consumers.

>>56601273
I have tried the argument on a cop before.
>sir do you have any drugs or alcohol in the vehicle
>Alcohol is a drug, and I have no drugs in the vehicle

>>56601282
This makes no sense.
Why would they target lower credit card POS fees if more people pay off their credit card at the end of the month?
The less people pay off their card right away, the more profit they make off that.
Also no that's not how it works.
Who eats the fee is dependent on market forces and whatnot.
It will usually be split based on elasticity of supply and demand.
If no one is willing to pay more than $1 for example. The supplier will eat the fee. If people will pay anything. The company will make you eat it. As two extreme examples. But prices are the same whether you personally use credit or not. So seeing as they are not going anywhere why not?
>>56601318
10/10
Would give speeding ticket just for being a faggot.
Next time try it when you DO have alcohol on you.
>sir do you have any drugs on your persons?
YES TONNES!
Better yet use it when you get pulled over after your morning coffee.
>sure are you under the influence of drugs
HELL YEAH OFFICER.

>>56601282
>>56601377
Should also mention when i get points and stuff i make my fee back. Cash user's don't. Besides we have this thing called credit score here...

>>56601282
>You do know that the reason for this is because people in murrica tend to have outstanding credit card debt?
It's about 2:1 for people who revolve balances versus "deadbeats" who pay in full each month. I won't get into the morality, I can't control.

>try to remember that retailers are still paying roughly 3% commission on everything you buy with a credit card and are obviously passing on the difference to you.
It's not really something we see. Prices didn't fall across the board when Durbin swipe fee reform and most debit card interchange was capped at a maximum of 0.5% + .22 cents of transaction (for banks with more than $10B in assets), even though Debit card transactions account for about a third of purchases at retail.

>>56588195
I reject tap to pay as dangerous and unsafe new technology

>>56601377
>Next time try it when you DO have alcohol on you.
I plan on it.

>>56601423
Have fun in lock up!

>>56601433
They can't arrest me if they have nothing to arrest me over. The worst that'll happen is getting my car searched, which has already happened plenty of times. It's actually why I plan on doing it. I spent 6 months getting pulled over at least once a week and having my car searched every time I got pulled over. They've wasted so much of my time I'm tallying it all up at the end of the year and sending the department a bill. Since they've wasted my time so much, I'm going to start wasting their time with needless searches.

>>56588090
Chips are slower than swiping
So I'm gonna swipe for as long as I can

>>56601466
Okay.
Sorry have fun getting shot then.
Im sure if you insist enough you can get them to arrest you though.
I'm a white law abiding citizen so the cop's don't usually bug me, and I have a great deal of respect for them. But fuck me right? Iz wai more fun bein a gangstah. Eyy jamal?

>>56601486
>Sorry have fun getting shot then.
epik meme
>Im sure if you insist enough you can get them to arrest you though.
They can't just arrest me because they want to, you fucking moron.
>I'm a white law abiding citizen so the cop's don't usually bug me, and I have a great deal of respect for them. But fuck me right? Iz wai more fun bein a gangstah. Eyy jamal?
I fail to see your point. You just felt like (or possibly this is involuntary) being retarded, right?

>>56601506
>epik meme
I thought so.
>they can't arrest me because they want to.
While they usually don't they can arrest you for possession of illegal substance. If you are 100% adamant you have drugs on you, they can arrest you. They will let you go because you don't have any. But they can still process you.
>I fail to see your point
You are obviously doing something wrong if you are frequently getting pulled over and having your car searched.
And being proud of wasting police time and resources is nothing to be proud of.

>>56601377
>This makes no sense.
I guess more context is required. The transaction fee is also tied to the costs of card fraud. In murrica everyone uses mag stripe cards that are pretty trivial to clone and money that comes from transaction fees is used to pay for the costs of that fraud. In europe, with the exception of germany where everyone uses cash, pretty everyone who uses a card uses a chip and pin or an NFC card and those you can't clone without physically taking the card apart and because of there's a whole lot less card fraud and companies can't charge a commission as high as in murrica.

>>56596167
The problem isn't just the up front cost in money.
Poor people, especially ones who are employed and not using much welfare, don't have all the time or energy to put together meals like that, or do all the extra shopping and keeping track of when to get what or how to store all this food in bulk. The shopping, storing, and prep work all take extra time that most poor people use either working, resting, or spending time socializing if they can.

Education can help, but then again it would help a lot of issues. If people could have mandatory access to basic cooking class and learned that cooking and eating could be a social activity to do with family and friends, then they could find time to juggle working, trying to find work and get by, keeping tabs on when or where to get specific foods, and then making healthier meals with cheaper ingredients. But those classes are elective and most high schoolers don't take any cooking class.
It's a similar problem with dumb parents telling kids not to take sex-ed, or kids just not paying attention during that class, and then "surprise"; high school kids get STI's and 16 year old girls have babies. Well that, and lack of access to contraceptives because social stigmas.

>>56601580
Ah im not actually American and this is a more valid explanation.
Costs for almost everything are still lower there though. But irrelevant i guess.

>>56588090
> be American
> have chip
> go to use
> clerk says doesn't work use magnet
> use magnet
> later that night credit card gets compromised
Fuck how much longer until the strip is removed?

>>56601611
>don't have the time and energy. What the fuck? That's what the rest of us with a 9-5 or more do.
That's a stupid lazy person excuse. Are you insinuating they work like 15-20 hour days everyday? Cause i assure you everyone has time to cook.
Hell even parents do. Hell most single moms still cook.

>>56601633
Uneducated and unmotivated? Maybe. Lazy? Not necessarily. I'm going to assume a single mom working two jobs and taking care of kids every day has a little less time and energy to find, buy, prepare these sorts of meals than her middle class counterparts.

Being poor can make people seek more convenience as well, where they can. Having less motivation because of sub par financial conditions is not a new or uncommon occurrence. I know people with the know-how and spirit to do EVERYTHING they can do make things better can overcome poor nutrition, but a lot of people don't fit into that pocket all the time. You can call them stupid or lazy, but that's sort of redundant when applied to a species filled with people who almost always seek convenience over quality whenever possible

>>56601575
>While they usually don't they can arrest you for possession of illegal substance. If you are 100% adamant you have drugs on you, they can arrest you. They will let you go because you don't have any. But they can still process you.
You really think I'd wait till I was at the station to tell them I meant alcohol when they asked about drugs?
>You are obviously doing something wrong if you are frequently getting pulled over and having your car searched.
Yeah, it's called driving a marked car.
>And being proud of wasting police time and resources is nothing to be proud of.
Eye for an eye.

>>56601828
>you really think id wait till i was at the station.
Well now you are changing your story.
I thought alcohol always fits the description of "drug" and that anon was a fag for considering them different, you said you always say it is a drug even to cops. Now all of a sudden you don't?
>driving q marked car.
A marked car is a cop car. Next time when the cop says why he is pulling you over. Don't be a nigger in future and listen and not do it again. If you mean you bought a car used that used to be a drug dealers or something. They have these things called license plates.
>eye for an eye
Yeah they risked their lives everyday to keep my community safe and uphold the law. So i deserve revenge against them and the tax payer! Fuck off jamal

>>56601915
>Well now you are changing your story.
Not in the slightest.
>I thought alcohol always fits the description of "drug" and that anon was a fag for considering them different
It does and he is.
>you said you always say it is a drug even to cops. Now all of a sudden you don't?
I do, but when they ask what the drug is then I specify.
>A marked car is a cop car.
"Marked car" is also the term for a car the cops watch for.
>Next time when the cop says why he is pulling you over. Don't be a nigger in future and listen and not do it again.
But I do.
>If you mean you bought a car used that used to be a drug dealers or something. They have these things called license plates.
No shit.
>Yeah they risked their lives everyday to keep my community safe and uphold the law. So i deserve revenge against them and the tax payer! Fuck off jamal
If they waste my time for no reason, I'm going to waste their time for no reason.

>>56602485
>"Marked car" is also the term for a car the cops watch for.
So wtf did you do, that the cops are watching for your car?

>>56602485
Erm 2 things here.
1 they "marked" you for a reason if they actually did.
2. They cop gets paid to search your car. You don't get paid to sit there. Idk how much your time is worth. Probably not a lot. But still anon.

>>56602562
Be best friends with a dealer. After he got arrested after being pulled over in my car I started to get pulled over at least once a week.

>>56602580
>1 they "marked" you for a reason if they actually did.
No fucking shit.
>2. They cop gets paid to search your car. You don't get paid to sit there
I fail to see your point. And no, it's not their job to needlessly harass me. It's their job to enforce the law.

>>56602690
>not their job to needlessly harass you.
You are the one who knowingly transported a criminal dealer and fucked with them to make them search your car.
Granted you don't strike me as someone who pays a lot of taxes. But you must pay some. So you are literally paying them to search your car. While you feel good about it. If i got my 30 minute commute turned into an hour one, because i hung out with degenerates or fucked with cops all the time, i wouldn't see myself the victor. If my company paid me wages to ait there id say we break even at best.
Blaming the cop's for your friend being a drug dealer is retarded though.

>>56588436
This. A system of cash-less anonymous payment is trivial to imagine, but no no, can't have that.

>>56602757
>You are the one who knowingly transported a criminal dealer and fucked with them to make them search your car.
Still doesn't give them to right to just pull me over and search my car whenever the fuck they want. The fourth amendment protects from unwarranted searches. They cannot search my car without probable cause, and me being me is not probable cause.
>So you are literally paying them to search your car
It is not their job to search my car. It is a part of their job to search my car should they have probable cause. They never do though.

>>56594625
Sweet jesus christ this is the source of all autism

>>56602846
>pull you over.
Actually it does
They cannot search no. But you openly boasted itt about giving them probable cause retard.
>do you have drugs in your car
>yes i do officer!
That's literally probable cause.
Also you don't seem to get Jamal, they get paid for their days work. Whether its spent locking up degenerates like your friend or searching your car. They are paid wages. You are not paid to sit in traffic. Ergo a cop wastes an hour with you. Whether it was worth it or not he gets paid an hour wages, and goes home the same time. You don't you lose an hour of your day. And youe tax dollars paid him. So next time think about that when you are being a cheeky cunt or hanging out with criminals

>>56588323
all of them have the chip reader

half of them tell you you can't use it because ???

>>56602914
>Actually it does
It does not. A cop can't just be like ooh it's that car again I'm going to go fuck his day over, at least legally.
>They cannot search no. But you openly boasted itt about giving them probable cause retard.
No I didn't.
>That's literally probable cause.
Well apparently thought crime's a thing because that's never happened.
>Also you don't seem to get Jamal, they get paid for their days work. Whether its spent locking up degenerates like your friend or searching your car. They are paid wages. You are not paid to sit in traffic.
Why do you keep bringing this up? It could not possibly be less relevant. Yes it is their job to search cars, WHEN THEY HAVE PROBABLE CAUSE.

>>56602994
Im not saying what their job is or isn't im saying they get paid
Also see
>>56601423
You admitted it already. You give them probable cause. Typically most low lifes don't understand their legal rights or how obvious they are. Next time try. "no officer, no. No you may not search my car, sorry it won't happen again, yes my doors a re locked. Have a niceday"
Also guilt by association applies to court, and conviction not pulling someone over. If you had a drug dealer busted in your car. That means he had drug dealer amounts of drugs on him IN YOUR CAR. That is reason to believe you may be involved in the trafficking of drugs, driving him to the deal or dealing yourself. Normal people don't allow drug dealers in their car.

>>56590901
>3 years
Breh, Mexico has been using the security chip since the fucking 90s.

Cash > Chip > Swipe > Tap

>>56603118
>You admitted it already. You give them probable cause
I plan on it means I'm going to but have yet to, which means I have not given them probable cause, you fucking moron.
>Im not saying what their job is or isn't im saying they get paid
People witch jobs get paid to do said jobs? Holy shit, stop the presses!
>Typically most low lifes don't understand their legal rights or how obvious they are.
I'm not a low life and I understand my legal rights.
>Next time try
I do, literally every time.
>"no officer, no. No you may not search my car, sorry it won't happen again, yes my doors a re locked. Have a niceday"
Last time I tried that he reached in my car, opened it from the inside, and ripped me out. Cops have no problem breaking the law while enforcing it.
>If you had a drug dealer busted in your car. That means he had drug dealer amounts of drugs on him IN YOUR CAR
NO IT DOES NOT. He had one bowl of weed.

>>56596350
Top fucking kek
Roastie BTFO by technology

File: retail-checkout_clerk-giving_change-trains-new_job-supermarket-mbcn316_low[1].jpg (44KB, 400x400px) Image search: [Google]

44KB, 400x400px

>>56591535
I'm a big cash advocate but I have to concede that the lack of basic arithmetic skills in modern cashiers often significantly slows down the payment process.

>>56603255
>hangs around drug dealwrs
>not a Low life
AHAHAHAHAH
>rhe convicted drug dealer was only transporting X quantity of banned substance.
Oh. Well that's okay then.
>cops regularly break into my car doe no reason
Only have a "bowl of marijuana" on you?
We both know this is as true as hands up don't shoot. But in the off chance this happens. Film it and file a complaint. This isn't india.

>>56603412
>AHAHAHAHAH
I'm not going to stop hanging out with my childhood friend just because he decided to sell weed.
>>rhe convicted drug dealer was only transporting X quantity of banned substance.
He's not a convicted dealer, just a known one.
>Only have a "bowl of marijuana" on you?
What?
>We both know this is as true as hands up don't shoot.
The fuck are you on about?
>But in the off chance this happens. Film it and file a complaint
I know, I've got to get a camcorder.

>>56603517
>im not gonna stop hanging out with
Why not? He's obviously a fucking loser. And he brought drugs into your car, fucking you over.
>not convicted.
Well that's even worse ofc they are gonna try and catch him.
>what
I was making a joke regarding your "It was only a bowl of marijuana comment" as if that does anything but drive home my point.
>the fuck are you on about. You are either lyung ti me or most likely yourself cause people like to push blame off onto others. Just like a theif strong arming officer darren Wilson got turned into he was turned into a missionary putting his hands up.
I'd believe one shitty cop. Not a pattern of it. Or mayve he had a warrant or probable cause and you just refuse to believe it.

>>56603623
>Why not? He's obviously a fucking loser.
Fuck you, you piece of shit.
>And he brought drugs into your car, fucking you over.
Burn cruises don't really work if you don't bring drugs, anon.
>I was making a joke regarding your "It was only a bowl of marijuana comment" as if that does anything but drive home my point.
How did it drive home any of your retarded points?
>I'd believe one shitty cop. Not a pattern of it.
It's a bunch of shitty cops. They're really bad around here.
>Or mayve he had a warrant or probable cause
They never did.

>>56588090
I can't even remember when was the last time I had to swipe here, maybe 10 years ago?
Not counting the 3rd world shops when traveling.

>>56595969
>Refills in general are not a thing in Europe, let alone giving out free water.
Where the fuck did you hear that? Never had a problem with refills or asking water for my kids.

>>56603691
>fuck you
I mean no one with self respect or a future sells drugs illegally as a profession.
>burn cruisees
Fuck you you piece of shit i hope the cop shoots you next time. You have 0 right to complain about the police if you still have your license after driving under the influence. And yes that makes you a total low life irrespective of friends.
>retarded points
I said he was transporting drugs in your car and you were like NOO ONLY WEED SO ITS OKAY.
>cops are bad
Shocking to hear that from a criminal.

>>56603848
>I mean no one with self respect or a future sells drugs illegally as a profession.
Okay, kid.
>Fuck you you piece of shit i hope the cop shoots you next time. You have 0 right to complain about the police if you still have your license after driving under the influence. And yes that makes you a total low life irrespective of friends.
Sure thing bud.
>I said he was transporting drugs in your car and you were like NOO ONLY WEED SO ITS OKAY.
No, you said he was transporting large quantities of drugs to sell which isn't remotely true. I was simply correcting you by pointing out that it was a very small amount for personal use.
>Shocking to hear that from a criminal.
I'm done with you. Go fuck a screen door, needle dick.

>>56603896
Not that i should be helping you.
But your car probably smells like marijuana I've heard cases of customs tearing apart cars because previous owners had weed in it. And they found traces. By not having marijuana remotely near your car you are probably decreasing both the odds of getting searched, as well as the odds of you maiming an innocent child that might actually amount to something, unlike you.

>>56604077
>But your car probably smells like marijuana
Yeah that's the excuse they normally use, but human scent is not enough for probable cause, they need drug dogs, which they never bring. Regardless weed hasn't been in my car in months.

>>56604104
I don't know where you hear how probable cause works but that is not at all true, there is no black and white codified "what is probable cause" And non stoners can notice the smell. If you have literally blazed in your car it's smellable still. If a cop says he has reasonable cause he can search your car. That's 100% legal, and if you stop him he can unlock your door.Where your rights come in is if you don't think his search is legitimate you can challenge it amd if the court agrees any evidence will be inadmissible. Turns out i was right. Cop's aren't literally breaking into your car for no reason.
I am not going to pretend i care about you or your friends lives. I really don't care if you die or go to jail. But please don't ever smoke weed and drive again. Or drink amd drive for that matter. You may think you are fine and your coordination amd judgement is 100% but there is scientific proof it's not. And there are other people on the road. Innocent people with families amd futures who don't want to die.

>>56604182
>I don't know where you hear how probable cause works but that is not at all true
It's entirely true. A cop cannot just say "I smell pot." He needs a drug dog to hit on the smell. He's free to detain me while a drug dog is transported to sniff the outside of my car, but he cannot legally enter it based on just his scent.
>If you have literally blazed in your car it's smellable still
Maybe a week after, but not months after.
>If a cop says he has reasonable cause he can search your car. That's 100% legal
It's legal if he actually does have a reasonable cause. He can't just up and decide that he has one though.
>Turns out i was right.
No, you couldn't be more wrong.
>Cop's aren't literally breaking into your car for no reason.
Yes they are, you fucking mong.
>But please don't ever smoke weed and drive again
Nah, I'm going to keep doing it.
>Or drink amd drive for that matter.
Of course I won't.

>>56604253
>Stoner trying to act like he knows his legal rights.
What defines. Probable cause is not codified. It is literally "probable cause" everything passed that is based on common law and based on interpretation from the courts.
If a cop believes he has reasonable cause he may 100% search your car no matter how illegitimate.
However, let's say he does and find Marijuana, and this dogs precedent is a thing. Your lawyer can argue that the cop did not infact have probable cause based on this, as a result any evidence against you found from this search is not valid. That's how the law works.
It's not the cop's job to be a constitutionalist. He is to make a judgement call.

>i will continue to.
I legitimately hope you crash your car into an inanimate object, get stuck, and slowly burn to death next time. That way you can't ever take a civilian out. Impaired/distracted driving should always carry the death penalty.

>>56604344
>>Stoner trying to act like he knows his legal rights.
Yeah because the fact that I smoke weed is even remotely relevant.
>If a cop believes he has reasonable cause he may 100% search your car no matter how illegitimate.
Of course, and smelling marijuana is not probable cause. A drug dog hitting on a scent is though, that's why they exist.
>lolol go die
If anything I drive more carefully when I'm high because I don't want to get pulled over. I drive like an ass when sober. While high I obey speed limits and all that shit, and of course if I'm too trashed to drive I don't.

>>56604386
Jesus Christ you are so delusional it hurts.
> i drive carefully when im impaired
>yeah but like that's not reasonable cause. I didn't read your 5 year old friendly explanation.
It never usually bothers me that retards and low lives exist. But at least research thw effects of marijuana on your ability to operate a motor vehicle. Everytime you get behind the wheel you have the lives of countless others in your hands. Please don't take that lightly.

>>56604472
Where did I say I got pulled over while driving high? You're just pulling shit out of your massive autistic ass so you can still have an argument.
>But at least research thw effects of marijuana on your ability to operate a motor vehicle
I never said pot doesn't affect my driving ability. If you'll read through my previous post you'll see I clearly stated that if I'm too trashed to drive I don't drive. It's not like you can't function the moment you take one hit, similar to how there's a legal limit as to how much alcohol you can have in your system.

>>56604472
Also
>It never usually bothers me that retards and low lives exist
Obviously, otherwise you'd have killed yourself by now.

>>56604526
You said you were smoking weed and driving before that's fucking retarded.
And something tells me your version of "im probably fine" has little to do with actually fine. So best to practise 0 tolerance. If so seriously can't manage not smoking weed when you need to drive you have a problem.

I don't get what getting pulled over high has to do with public safety. Or did you mean that as a gross misinterpretation of my explanation of probable cause i don't know how to make that any clearer.

What constitutes probable cause is intentionally not codified.
It is based on common law/precedent and the judgement of the courts.
It is not a cops job to decide this.
If the cop feels he has reasonable cause, no Matter how unjustified, he may search your car. However evidence found will be inadmissible If the courts deem he did not have reasonable cause. So if say your dog rule is real they will point to the case where the guy was aquitted because of that as precedent and say. Because he did not employ sniffer dogs to verify the scent of marijuana the cop did not have reasonable cause amd the search was unlawful. Thereby evidence found from the search can't be used against you.
That happens AFTER the search.

>>56604622
>You said you were smoking weed and driving before that's fucking retarded.
No, I said we were going to burn cruise. Not once did I say that I smoked before getting pulled over.
>And something tells me your version of "im probably fine" has little to do with actually fine.
That something's probably your asinine view on stoners.
>So best to practise 0 tolerance.
Nah
>If so seriously can't manage not smoking weed when you need to drive you have a problem.
Nah
>If the cop feels he has reasonable cause, no Matter how unjustified, he may search your car.
That is not how that works. You can keep saying it all you want but you're still wrong.

>>56604661
https://www.flexyourrights.org/faqs/probable-cause/
First link off google.
Doesn't explain the order of things or whatnot but it strikes me you can't understand the principle of due process or how these things work.
Anyway fuck off back to 420chan I'm done.
If you don't understand probable cause that helps me anyway. I want you off the road.