>be american in 2017 >heard there's a new payment

>>59163267
>somehow now I must also type a number to pay WTF

you mean a PIN?
that's been a thing for a while

so the muslims dont even need a pin now after they jack you?

>>59163267
>be European
>life is completely destroyed
>no freedoms
>go on Nepalese child pornography exchange forum to "brag" about something as trivial as CHIP
>thread gets saged with less than ten replies
>Cry self to sleep

>>59163305
>>59163307
>reading fake news

>>59163267
i noticed checkout lines take longer to clear because of the slow chip thing

>>59163319
>calling it fake news means it never happened

>>59163326
>slow chip
no it's the slow internet

the chip is instant in europe

File: yankistaneducation.jpg (246KB, 1280x720px) Image search: [Google]

246KB, 1280x720px

>>59163307
>be European
>life is completely destroyed
>no freedoms
This is what americans actually believe.

>>59163641
>you vs the guy she tells you not to worry about

Even Australia has this technology.
You can even pay with your phone with NFC!

>>59163344
we have low ping and this cant be much data what would make such a difference?

>>59163677
IIRC, the US still uses telephone lines to transmit that kind of stuff on most of the country.

>>59163267
>No 2 factor authentication for creditcards even though everyone has a phone
>Creditcard companies leak like a sieve personal information and otherwise
>Have to give your real name to companies instead of a number that represents you
>Sign a piece of paper or use a signing terminal that doesnt even send your signature back to your bank or creditcard provider

It's almost like they make money off fraud and selling peoples information.

>>59163267
What's more, "paycheck" isn't just a figure of speech, they still get their salary as an actual check, not a bank transfer. And you can't actually transfer money to Americans from abroad since they don't have IBAN numbers. Last time I had to pay a burger for something I had to call the bank three days in advance to get a check issued, since checkbooks aren't a thing anymore.

>>59163641
What the hell is this?

>>59164909
The fuck

>>59163319
Found the Swede, get raped by a refugee cuck

>>59163267
>shilling for contactless payment

Fuck off /g/ right now. This is the most insecure shit ever conceived. It's so bad that they have to limit the amount of money you can spend via NFC so people can't just clear your account with a smartphone. What the fuck

>pins are only 4 digits long

>>59163305
If your card supports contactless payment, yes and no. You can only buy for a fairly small amount of money (200 DKK, or 29.90 EUR here in Denmark), but Mohammed could simply keep doing this over and over again.

Aside from being jacked by Muslims though, it's important to have cards like these in a wallet with RFID/NFC protection. Some pocket thieves have taken to simply scanning people's pockets with NFC readers as they walk by and wiping contactless cards by requesting X amount of money until the given bank account is empty. And yes, this works. They can also have a bot order hundreds of small things off websites.

On the bright side though, at least these kinds of charges are very obvious, and banks will do chargebacks as soon as it's discovered. I think some even have automated systems in place to freeze an account if they register these kinds of charges. Still, use a wallet with proper shielding for contactless cards.

>>59165465
Chip cards don't have RFID, moron.

>>takes 2 minutes on shitty slow american internet to contact the bank and process the payment

I thought it had more to do with the shitty terminals they were using to process the payment, not the internet speed.

>paying with the plastic jew
cash is king. enjoy feeding the kikes with your "transaction fees".

>>59165492
RFID, NFC, close enough. Contactless cards support all three methods; Contactless, chip, and magnet strip. Similarly, the chip-"only" cards that came before them had both the chip and magnet strip.

>>59165106
American """education"""

>>59165518
my transaction fee is -1% (cashback)

>>59165516
No, it's mainly the internet speed.
The terminals themselves don't process much, they only send and receive data to/from the banks.

Contactless is stupid. Allows anyone who stole your card to use it without knowing the PIN code.

>>59163267
I feel for the cashiers who have to deal with retards that can't figure out how chips work. Just by working near them I've seen people who have physically cut their chips out.

>>59165518
>>59165571
rekt

>>59165571
mine is 0 % and I don't need no stinking cashback for that. calculate the amount of money you throw at jews each year for the questionable "convenience" of letting others handle your payments for you.

>>59163319
>being a deluded cuckold

>>59165633
>I give away 1 % of my purchases and all I have to do is chase some cashback nonsense.
good goy.

>>59165652
0
It's free because I'm a student :)

>>59165691
you won't be a student forever. they're baiting you so you'll give them your money out of habit.

>>59163267
We don't even have CHIP and PIN, we have CHIP and sign.

>>59165707
I looked into it and if you have more than 30 000 rub it's free in any case. and you get money just for having money on the card - 7% each year. and you still get 1% cashback. feels good not to live in the third world

>>59163267
Americans are RETARDED when it comes to cards.
You are literally on the same level as the Philippines.

>>59165870
Get raped and kill yourself, you dumb fucking faggot sack of nigger shit with down syndrome.

>>59165465
There is a 3 transaction limit in most places before your pin is required again

>>59165825
> rub
I guess our banks really want that word of mouth advertising. I was recently offered a visa gold card at zero annual fee and all I had before was a barely ever used free student card.

File: IMG_0259.jpg (47KB, 570x574px) Image search: [Google]

47KB, 570x574px

American businesses don't like to spend money on better payment terminals to keep up with you advanced, futuristic Eurofags. There's the joke. Nothing left to discuss.

Yes, you are all superior over there for having contactless terminals and Muslim immigrants.

File: Bill Gates.jpg (66KB, 500x500px) Image search: [Google]

66KB, 500x500px

>be european
>get bombed by americans and russians

>>59163267
we've had contact less debit/credit cards for way longer than 3 years, they just have a little nfc chip in them

>>59165465
the £30/eur limit is actually put in place by the merchant, theoretically you can pay any amount via nfc as if the merchant has not put a limit on the amount, it would still clear from your bank/credit card.

t. some one who works for a credit card company

>get new credit card
>it has one of those "chips" europoors on /g/ keep raving about
>go to mcdonalds
>order two mcdoubles, a mcchicken, 20 chicken nuggets, 2 large fries, and a mcflurry
>attempt to slide the chip
>"you have to insert it in the slot underneath, sir"
>the slot takes 30 seconds to find
>60 more seconds for it to "verify"
>beeps when it's done
>go deaf from beeping
>by the time I get to a table, my food is cold and a random shooter has gunned down everyone in the restaurant
>have to tip the shooter
>he only accepts credit cards
>"you have to insert it in the slot underneath, sir"
>get shot because I can't find the slot in time
>now $130k in debt from hospital bills
how the hell is this any better?

>>59166475
>justamericanthings.tiff

We've had contactless in America for a while.

Chip is just a security thing. Makes the store liable for card fuck ups instead of the bank.

And yeah it was slow as shit when it came out but its a lot faster already.

>>59165465
In Germany if you pay more then 20€ you need a pin and after I believe 2/3 payments you always need a Pin. So Yeah ranjid can try to get my 20€. Bank will charge it back in seconds.

File: 1486496123705.png (1MB, 1280x720px) Image search: [Google]

1MB, 1280x720px

>complaining about credit card payments

>not complaining about our 150 year old transportation system

Get your priorities straight nigger

>>59167984

Pretty much this, except US merchant card agreements have always been shit for the merchant. Instead of the CC company taking the fall for fraudulent charges, the merchant does. This only happens in the US, but the purchase percentage the card merchants charge are cheaper than anywhere else, so merchants put up with this. This irresponsible US card company policy has kept them flush and therefore in no hurry in the US to improve the security of CCs.

>take out phone
>tap terminal
>continue on my way

Canadian who has done this all over Asia but Americucks are still swiping and signing like it's the 90s

>>59163267
who cares

>>59166475
>130k in debt from hospital bills

That's 130k + tip

>>59163267
contactless payments suck. it will fail if you touch the payment thing too quickly and it will also fail if you dont take it away from the device quickly enough and it will fail if its not close enough

>>59165465
theres no limits if you use 20€ in different stores.

File: Screenshot_20170215-101201.png (201KB, 1440x2560px) Image search: [Google]

201KB, 1440x2560px

>uses physical card to pay
not in Winland

>>59171071
Do you really have difficulties using contactless payments ? Just put your card on the terminal for 2 seconds, and get it back. Jesus.

>>59163267
i´m in Europe and dare i say
i use that totally old-school paper-money thing
and amazingly enough
it is faster than all those card-paying idiots who make me wait several minutes because they thought they had to pay with a damn card which everyone knows takes far too long

>>59165565
More likely the teacher is being "forced" to '''''Differentiate''''' with learning.

>>59171243
nothing on the device or card says how long you need to hold it there

>>59163267
>Meanwhile in Europe we have been using contactless for 3 years now
If someone steals your card, they can do the rounds making purchases under £30.

Having contactless has made me think more about losing my card. I now keep it separate from my wallet, which is annoying, because my wallet is simply a card-holder, I don't routinely carry cash.

>>59165416
it´s hard for hamfingers to press the right numbers without mistyping

File: contactless_card_payment[1].jpg (39KB, 544x363px) Image search: [Google]

39KB, 544x363px

>>59171288
In France, 90% of the terminal look like this. At the top of the screen, there are 4 LED, who light up like a loading bar. Once the 4 LED are bright (~2 seconds), you can take back your card.

>>59171288
UKfag here, in our shops there's a screen facing you with four lights resembling race starting lights.

They all light up red, then turn green, with a noise playing while it's working.

If it fails to read it tells you, and takes like half a second to reset after you move the card away.

>>59163307
>No (((freedoms)))

t.
That weird fat guy from middle school you haven't seen outside his town in the middle of nowhere in 20+ years

>>59164909
The fuck are you talking about? Nobody gets physical checks anymore except for like, bottom of the barrel minimum wage workers. At most places, they won't even send you checks anymore. You have to provide them with information for a bank transfer or you won't get paid.

>>59163307
>be European
>no freedoms
Choose one, we're not American.

>>59171342
Canda too desu

>>59163267
>work at one of the largest grocery stores in the nation
>when someone swipes their card we just press the card button and they have to choose credit or debit themselves
>only debit requires a pin
>you can run a debit card as credit and it will go through without inputting a pin
>nobody has bothered to fix this in the 5 years I've worked there

>>59171415
That's how it's supposed to work. Running a debit card as credit is a feature, not a bug.

What's the point of it? Sliding is faster than touch or chip.

Not only that but bank apps have tremendous power by requiring pre approving purchases

>>59166475
>order two mcdoubles, a mcchicken, 20 chicken nuggets, 2 large fries, and a mcflurry

Wanna know how I know you are fat?

>US gets chip & pin in 2003
>It sucks
>Free market tells it to fuck off
>Obama now requires it
Fucking Eurofags

>>59163705
Yup.

.t cashier

The company that leases ATMs and card readers to stores nearby has a monopoly in the area so it's only their ATMs and their readers that customers are forced to use and cashiers are forced to operate. Shit runs on phone lines even though we can just as easily hook up an ethernet cable to them, our landlord is a literal jew though and doesn't allow any store or restaurant to have internet access. Old kike will not allow better equipment that costs a little bit now if it means faster service later.

>>59171473
>steal a debit card
>spend all the money by running it as credit
???

>>59171827
There's supposed to be hard limits on what you can spend in credit without being denied. As always, merchant assumes responsibility.

>>59171827
I've always thought this was dumb as fuck.
I always just run my debit card as credit so I don't have to put in a pin. What's the fucking point of the PIN if you can just do that shit?

>>59171358
I am ashamed to reply to your shit tier bait Ahmed, but I feel compelled to do so. I am a combat veteran three times over and have been around the world many times. When I greentexted the story of OP from my point of view 11 hours ago, I forgot something. I forgot that unless you live in Poland, Czech Republic, San Marino, Slovakia, or very few other countries then you are without hope. WHO THE FUCK CARES ABOUT SOME FILTHY JEW (((CHIP))) SYSTEM???? Oh, let's make fun of amerilards because they can't pay interest to professor Goldman as efficiently as we cultured superior Europeans can.... Man, you are wrong! America may be less than 60% white but the whites here worth their salt look at you and your state of affairs and cry on the inside. Our ancestors weep as you destroy our homelands. I don't care what you say to make fun of me, if you are white and have an ounce of self respect and an ability to critically think for yourself you know deep down there is a problem. I have personally killed dozens of Muslim extremists, but you continue to allow your women to be subjugated and your traditions to be spat upon. If you continue down this path, in three generations the legacy of your ancestors will be erased. I don't care what you attack me with - I am willing to kill again if I am backed into a corner or if my people are subjugated - what can you say for yourselves? You can pay quickly in the store with your card? You are an embarrassment.

>>59166074
yeah then you could backcharge and the merchant would be burned
that's why bitcoin sellers all require your ID

>>59171560
He already said he was American

>>59171280
More like a teacher trying to force kids to do shit they don't want to desu

THIS IS CHEESEBURGER LAND

I give it 10 years before gas pumps start using them.

You also shouldn't have to do CHIP + PIN

>>59164909
nope, almost all companies default to a payment card now, and ask you if you want a direct deposit during the first month.
>bank takes three days to make a check
do they not have printers?
to your credit, most new bank accounts in the US still give you a complimentary checkbook.

>>59174420
several pumps already use contactless in various forms. the problem is the poor mom and pop gas stations that were barely able to afford the credit card based pump when that came out.

>>59174035
Is this mutated copypasta? 6.7/10

>>59174604
No anon it isn't pasta. I typed that on my phone.

I always use cash

i don't care about the required pin since i use a debit card for most any non-cash purchases, but I hate how slow the service is. It's awkward waiting there for a good half a minute.

>>59174035

Wow anon I feel really motivated now. I think you changed my life. First thing I'll do tomorrow is trash the card from my local kebab place!!! Grrrr

>>59171280
Sounds like American education.

File: 1487927729812.jpg (62KB, 604x539px) Image search: [Google]

62KB, 604x539px

>>59163267
I've been using a chip VISA for 2 years now.
Even before that, every card I had required a pin number.

Why do people keep saying pin numbers wasn't a thing?

>>59163267
Is this a troll thread? I'm from the US and my debit card supported NFC since 2007

>>59171827
>my debit has a $300 limit anyway on single transactions

nice try m8

>>59174874
/g/ has been living the american dream
ie: pay with credit

>>59171342
Same here in Canada.

>work in Costco
>allow tap payments up to $100 on a debit or $200 on a mastercard
>visa peasants can get the fuck out
>never hear from members/customers that they've been scammed or had money stolen
>americans being luddites as per usual
>2063
>they finally adopt the metric system

>>59175004
ahhh the metric system, that's the only i want to the us to adopt

>>59174969
Even If I ran my card as credit, it still asks for a Pin.

File: Screenshot_2017-02-28-19-26-21-1.png (1MB, 1080x812px) Image search: [Google]

1MB, 1080x812px

>>59175004

>>59163267
did the refugees steal your wallet, jack?

>>59175052
>*using the metric system

>>59175052
>landed on the moon

>>59175052
but NASA uses metric system

>>59165106
It's a teacher forced to give out ridiculous bullshit in order to get through to her moron students

>>59175143
only since the 90's and a large amount of research and projects still notate in imperial

>>59175143
Acually they don't for the most part.
It's all converted to imperial.
I make a lot of parts for Airbus, Boeing, Lockheed, and Pratt.
Everything is converted to standard.

Don't know why they do that.

>>59175410
>>59175283
Funny thing: NASA has been using metric to do their calculations and computing since before Apollo, but their displays showed the data in imperial.
It was in the 2000s that NASA finally said "no more than a single system at any given time"

File: uas.jpg (4MB, 3000x2400px) Image search: [Google]

4MB, 3000x2400px

>>59175410
BETAMAX IS FOR COMMIES
LASERDISK IS FASCIST
FREEDOM FRIES

>>59163267
aussie here we've been using this shit for AGES

>live in australia
>everywhere has had contactless payments for years and years
>can pay on phones via bank apps or android/apple pay
>can pay on watch
>tap phone or card then enter pin if >$100

easy life, easy money

>>59168903
Montague aint taking no shit!

>>59175052
Actually, these are all countries that still allow at least some official measurements in imperial units:
Liberia
Anguilla
Antigua and Barbuda
Myanmar
the Cayman Islands
Dominica
Grenada
Montserrat
St Kitts and Nevis
St. Vincent and the Grenadines
the USA

Fuck your incorrect screenshot meme image.

>>59163267
>>somehow now I must also type a number to pay WTF
>>takes 2 minutes on shitty slow american internet to contact the bank and process the payment

You've needed to put a pin in for as long as I can remember, it's just kind of varied on the specific merchant. As for the speed what the fuck are you talking about, it takes literally five seconds to validate.

File: ford lol corner fake forse.jpg (135KB, 956x664px) Image search: [Google]

135KB, 956x664px

>>59163267
>be me
>be me in Europe
>live out of my real estate assets
>no salary\wage
>80k in the bank
>no bank issues credit card to people who are not on a payroll
>use cash or debit cards, which generally are treated like shit from retailers
>can't spend money, bank account gets more and more fat
>bank doesn't and will never give a shit, no credit card for me

>>59177513
>Brit
>Euro

>>59171494
With nfc you dont even need a fucking card. Or ANY cards when you use your phone. >>59171206

>>59177513
You can easily get a prepaid credit card. This is such bullshit. What country are we talking about that doesnt accept cash or debit in europe?

>>59163267
>be american in the current year 2017
>there's a new payment technology on credit cards called CHIP
>don't use it because my credit card doesn't have it
>instead I use tap and pay with my phone and it takes under a minute to process the payment
discuss

>>59175283
>implying all the German engineers who ran the Apollo program ever used anything other than metric

>be European
>Get pickpocket
>Get raped
>Get shot
>Get beheaded
>Get fragged

>>59163267
You don't have cardless in the US? Haven't used anything else than cardless for like, 4 years or something. Don't remember the last time i saw any cash.

>using cards at all
Why dont you just swish it?

File: 1476473088687 (1).png (55KB, 470x364px) Image search: [Google]

55KB, 470x364px

>>59164909

>And you can't actually transfer money to Americans from abroad since they don't have IBAN numbers.

What the actual fuck, is that true? Is this why my stepdad had to get his son to manually send him his pension payments instead of just shifting it himself online? Jesus christ, even fucking African and middle eastern banks use IBAN.

Why is American banking worse than African banking?

>>59163305

>muslims
>crime

Yeah they're more interested in conquest. Get your minority attributes correct you dumbfuck Amerishart.

>>59174940
>Buy some phones
>Sell them for half the price online

>>59164909
>checkbooks aren't a thing anymore
what the hell? I use mine quite regularly, and almost all my customers pay me with checks. And yes I’m European.

>>59163305
even though paywave is useful, this is my biggest fear. to circumvent it, i only put money on my card when i know i am about to purchase something and i put the exact amount on my card at checkout. it is a bit of a hassle but i dont want to be broke

>>59165465
A good RFID card scanner can be legally acquired (because owning one is not illegal in Denmark) for as little as 800 USD - even with the 200 DKK limit, how many trips up and down Stroget in Kobenhavn do you think you need to take?

>>59179630
only free of charge until everyone is hooked.

>>59164909
that is complete bullshit. IBAN is a thing in the US as well. Maybe your run of the mill bank employees have no idea what that is, but it exists there as well.

>>59163267

FIDO U2F NFC will supplant NFC and two factor authentication

>>59163267
>tfw got my card when my bank didnt issue NFC cards
>tfw it would cost to get a new card
>tfw my card doesnt expire until 2018

fml

>>59175004
Costco in US is Visa-only now

>>59163267
>Chip is slower.
>Qi charger burned out 3 of my chips at once when I sat my wallet on it.

>Contactless, literally lose money as you walk in a crowded area.

Lel.

>>59165518
not from europe nor the us but here the seller pays the transaction fees not the buyer

>>59178356
Get a secured credit card and stop bitchin.

>>59163267
>contactless
yuropoors wonder why there is so much credit card fraud

literally, all you have to do is make an antenna and point it at someones wallet to start ringing up charges

yuropoors never learn

and it's not chip and pin in the US.
All I do is insert my card. I never enter a pin for credit card transactions
and I get 1.5-3.3% cash back

>>59182480
and the seller adds them to the prices. good goy thinks he's saving money.

>>59165965
>be russian
>have 100Mb UNLIMITED internet connection for 6 dorrars
>and pay everywhere with PayPass card without even touching dirty terminal buttons