Better way to transfer money to friends?

[Recchan]

@Seb

Never, ever, allow your card to be taken out of your possession

It’s just a thing they do in other countries, you don’t really have a choice in the matter. They don’t have a reader to bring to you and they’re not taking you behind the counter / into the back to swipe your card.

@Seb

mobile payment as most people would not ever expect you to hand over your phone.

The countries that you’d do this in aren’t all contactless friendly yet

@Seb

could kick up a fuss before leaving the establishment.

Kind of place to scam you is also the kind of place to have you beaten up or intimidated into not doing that, or in a country where they’d have the police arrest you

@Seb

Card terminals do, actually, in certain circumstances work offline for NFC

I can tell you all the major banks (Lloyds, Barclays, etc) don’t process offline at all, let alone for NFC.

You connect it to the internet via cable (or on some fancy machines they have WiFi). Offline processing is done with paper and an imprint machine.

@Seb

If it were the other way around, that would be a much more limiting situation.

It wouldn’t, or China, Japan, Taiwan, all would be begging us for NFC. They’re not, so it works fine.

People without data use cash, or a card.

@Seb

Your QR code system would essentially be like Faster Payments, only with the details automatically filled in via the detail on the QR code. That would offer effectively zero anti-fraud protection to the consumer, if they needed to dispute or reverse a payment.

Not at all, that would be something based on open banking or the like.

AliPay, LinePay, WePay are all fully fledged payment system with features to help customers if they need it.

We have an E wallet payment system within the U.K. that has this protection even, it’s called PayPal. Greggs accept it as payment, even.

May I remind you, that Visa/MasterCard aren’t always there to help you even when your bank advises you wrong (I had a chargeback rejected because my bank told me it was in time but it wasn’t. now I have to wait for the FoS. MasterCard isn’t footing the bill and the merchant was within the scheme’s right to refuse an out-of-time claim).

@Seb

but I would also defend their right to a choice.

They have the choice to not adopt what 90%+ of society has adopted. It’s called isolation.

If you live in the woods, you don’t get the benefits of a city.

If you don’t have a phone, you don’t get mobile payments.

@Seb

Those half-blinks would add up in a long coffee-shop queue, QR codes would be going backwards

With the amount of times the tube reader blinks read on my card before working again (and the amount of people who don’t have their Apple Pay ready at the gate) I don’t believe there’s anything meaningful delay-wise.

@Seb

Exactly, and now the rest of the rail network will eventually be moving to NFC too because it’s worked so well in London.

NFC tickets? Will be neat to try. Will they be doing automatic ticket payments too? At the proper prices, not the £20 “I forgot to buy a ticket” rubbish