What does /g/ think of these new chip debit/credit cards?
I'm not a fan, it takes way too long at stores and you can't slide them even if they have the magnetic strip.
>not paying with NFC from your smartwatch
>current year
How do we get Gentoo onto this thing?
The slowness is due to the merchants cheaping out on their network. I've been to Europe, pin & chip tales 2 seconds there.
It keeps people from illegally using your card except for when you buy shit online, which is never, am I right? I love waiting 30 seconds because European faggots shamed us into using this shit.
>>53921754
>30 seconds
holy fucking shit it takes me literally 10 seconds to use a chip & pin machine
and about 2 seconds when using contactless
>entire countries falling for it
impressive
>new
>>53921639
Are Americans just getting these?
Canadians have had chip cards since 2005.
Debit card frauds have fallen to near zero since chip cards were introduced.
>>53921775
During peak hours in major cities, they slow down sometimes
>>53921639
>new
What backwards country do you live in?
They have been here for a decade.
What the fuck is new about debit cards?
>>53921639
How does this stop people from stealing my card and info? It's the same damn thing
>>53921775
Holy shit you could be approved of dick sucking your male gigolo in 2 seconds without contact. What a faggot.
>>53921657
>allowing hackers do pick up on your shit
>>53921639
What do you mean it takes time? Not here in Norway, nobody uses paper and metal money here except gypsies in the streets and the very old.
So it would be a catastrophe if it was slow.
>>53921639
>I hate better security
Go fucking kill yourself. We're like 20 years behind the rest of the world even though two American credit card companies helped to create the security spec.
If you don't like them, my suggest to you is to kill yourself.
>>53921837
People think they are new because it just became a requirement to use them in the US. Despite having them for years, stores refused to adopt them until the government forced them to.
>>53921871
>NFC != RFID
>>53921639
>New
Had it here for over 10 years m9
>>53921913
>until the government forced them to.
The government has nothing to do with it. The credit card companies and banks told all the store owners if they don't adopt the EMV standard in their point-of-sale terminals by a certain date, then they'll be the ones paying for reimbursement on fraudulent purchases instead of the banks.
So if you shop at Wegmans (which despite having the fucking hardware for it, hasn't enabled the chip reader yet) and they suffer a data breach of credit details, it won't be the bank reimbursing you with their money for the fraudulent purchases that might result. They'll be getting the money from Wegmans instead.
>not using cash
>>53921961
this
always follow rms' example
>have to leave card in reader for an entire minute
>the guy behind you in line can read most of your card number
>he knows the rest of it the moment you pull the card out
Great security, guys.
>>53921954
Oh right, thanks for clarifying. I knew the liability bit, but forgot who enacted it.
>>53921978
That's what the security code on the back is for
Europeans: so upset they can't wait 30 seconds before getting back their wife's Syrian boyfriends balls which need to be suckled. What cucks.
>>53921978
nobody gives a shit about debit card numbers
>>53922023
A lot of internet merchants still let you make purchases without the code
>>53921978
>>53921864
>what is a pin code
>>53922041
Good banks call you when such purchases are made.
>>53921775
>contactless
>asking for hackers to take your shit
>>53921639
>can't slide them even if they have a magnetic strip
Guess I've been using mine wrong this whole fucking time cause that fucking works for me you stupid faggot.
>>53922064
>not having an rfid-blocking wallet
>>53921639
>chip card
>new
>2016
dude...
desu, I am using nfc for daily payments, I have lower limit like 300$/24h for payments without pin
>>53922069
The little card things at the place I shop at force you to use your chip if you have one. It'll honk at you and tell you to use the chip if you try to swipe it.
>>53922046
Our machines don't ask for the PIN.
Lawl.
>>53921886
>gypsies
>good goy
>let the gov control all money
>nothing is going to hide
>not a single dolar without gov tax
One day when you will import such amount of imigrants that even your national oil fund will not handle it, your socialist gov will decide to make one time 20% tax from all your saving like it was on cyprus.
>>53922069
Machines in my city don't let you use the magnetic strip the machine forces you to use the chip.
It takes a long time and holds up the line behind me.
>>53922139
>behind me
>me
seems like you're the problem there, retard.
Itt: Amerifags using technology from a decade ago
>>53921801
Americans have had them for quite a while, but they were optional so no one used them. Plus here in the States most readers take 10-20 seconds with a chip as opposed to the instant response with the magnetic strip.
And how do they prevent fraud?
>New chip credit cards
>New
The fuck America? That's like 20-year old technology and you're only getting it now?
>>53922100
sounds like a shit store that you should stop doing your business there.
We've had them in Australia for years now. Don't know why you're saying it's slow, from experience it was faster than swiping the card.
>>53922604
Look at most of the posts in this thread. The US has had it for a while, but it's incredibly slow and offers no additional benefits so no one switched. Just recently stores started switching to new machines that are even slower and don't accept anything but chips.
>>53921864
It makes card cloning next to impossible.
>>53922692
Here in the UK most of the card machines are crazy fast. Even when not using NFC.
You put your pin in and it is instant.
>>53922743
In the US it can take up to a minute before it even lets you enter your pin.
>>53921639
>new chip debit/credit cards?
new?
>>53922779
Is this an exaggeration? What would be your realistic estimate on how long it can take?
(I never had to wait for more than five seconds, usually it's about two or three.)
>>53922088
Not sure what that pic wants to say, but WW1 turned out pretty fucking badly for Austria-Hungary.
>>53922787
they are new in burgerland
they are also shit
>>53922890
I think it is probably down to
- bad infrastructure
- they use machines made by the lowest bidder
combined with potentially more users.
>>53922890
In my city it does take a while, not a minute, but it really does feel like it sometimes.
I recently got a chip card and i miss sliding it (can't slide it anymore in most machines) because that went through in an instant. Chip card takes it's sweet time in comparison.
TL;DR It takes too long and people don't like change.
As a retail employee, I can say the chip is definitely slow as balls compared to letting people swipe.
The worst part is when customers get their chip cards and they never know how to use it right, and just insert-remove two or 3 times in a row before they understand you can't do that.
This was mandated back in October 2015, but half of the retailers are shitlords with chipreader hardware but never turned the features on, so they get away with not using the chip. I hope they get fucked by the new liability terms by the banks.
>>53921799
this
>>53922890
I've had it take up to a minute, but I'd say that on average it probably takes closer to 20 seconds.
New? What the actual fuck?
>>53922075
>not just linking a card to your phone and using NFC payment
>not only turning on NFC at the time of payment
>not encrypting your phone
shiggy
also the "dangers" of "hackers" stealing your info from contactless cards are grossly overstated.
>>53922100
>>53922069
this is the point of the chips you fucking stupid mongoloids my fucking god.
if it's so fucking hard for you then go get a fucking walmart or visa preload card that only has the magnetic strip and use it to make all your purchases.
no one is forcing you to use the chip. you're just a fucking idiot if you don't.
>>53923171
>>53923214
USA! USA! USA!
>>53922952
>i miss sliding it because that went through in an instant
And so did the copy of your card.
We've had them for ages in Canada. I don't like them, makes me feel autistic at the till. I just want to pay and get out of there but they make me do this whole 30 second thing while people are waiting.
uk here, in my store, 99% of the time it's 2~3 seconds, damn near instant for contactless, but on busy retail days (day before christmas or bank holidays, etc) they can be slow as balls (20-30 seconds), probably because of network congestion at the banks end.
Had a couple of timeouts on christmas eve, that was pretty funny.
Input aside, why is swiping faster than chip/pin anyway? Doesn't it still have to make a connection?
>>53923471
Every day in the US is as bad as Christmas in the UK. Now just imagine how bad it is for us on Christmas.
>Magnetic credit card - swipe done
>chip credit card - stick in and wait like 30 seconds then done
How is this better?
>>53921754
You should be shamed:
Less than 30% of the world's CC transactions, 85% of the fraud.
About fucking time, United States.
Chip cards are fucking annoying mainly because I forget that you have to, and not all places use it yet either.
That and it takes like 10-30 seconds on average and is awkward sitting there waiting for it I feel like a jackass.
>>53923545
Because it's way more secure than just doing track 2 transactions which can be duplicated easily?
>>53921639
I fucking hate them.
>>53921789
it's actually encouraged with little signs in places /g/ would consider an "IRL botnet," like starbucks.
>>53921886
that's very unfortunate
>>53921961
this
>>53922046
nothing
>>53923523
It doesn't have to decrypt the transaction details, and EMV sends way more data than a track 2 transaction - the receipts are issuer specific, not generic approvals or declines anymore.
>>53921961
>2016
>carrying physical objects that aren't either your phone or you wallet with credit cards inside
>wanting to waste paper
>>53923471
>probably because of network congestion at the banks end.
That's doubtful. Transactions can be done offline. It's probably you shop's cheap infrastructure that's at fault.
>paying by credit card just required a signature
>"""""NEW""""" CHIPS ARE HERE FOR INCREASED SECURITY
>still just sign
I don't think the american banks thought this through
>>53923630
>way more encrypted data
it collects more consumer data in the name of "security"
pick any two after you swipe your card: ID, PIN, signature
>>53921639
>new
we have been using them in australia for years and I believe some european countries have been doing the same
>>53923647
Could be, but we only have 2 tills and we're in a fibre area, doubt that'll be slow as we use both at the same time on most days and it was still slow when only serving one at a time, our usage doesn't seem to have any part in it.
Not arguing with you, just stating my observations.
How does offline security work, some sort of challenge/response between the reader and the card?
>>53923633
>implying cash is made of paper
American money is made of some fancy cotton
>>53921639
The country which is backwards in every single way imaginable, yet is somehow the center of innovation and leader in Nobel Prizes. God bless America.
UK has been using chips for years.
Most cards have the magnetic strip as a backup when the chip fails, though you need to provide a signature to prove the card is yours. (I know, signatures are easy to forge and rarely get checked properly, etc.)
>>53921639
>it takes way too long
not the cards fault, but the machines or the network. When the first generation machines came out here in Oz it was slow as shit, but as more and more upgraded it became a lot better. Now i have the problem that i can't remember the pin for my credit card because most of my purchases don't need it.
>>53923841
Most of the nobel prize winners emigrated from somewhere else, very few of them are actually all american
>>53923820
>American money is made of some fancy cotton
Australian banknotes are made from a polymer since 1988.
>>53921639
> new chip debit/credit cards
> new
It has been around 20-25 years since they were widely rolled out here in Switzerland.
And I don't recall using anything else in most of Europe either, from a few years after they were deployed here.
You say you're only getting chips now?!
> it takes way too long at stores
About one second until I get the prompt for the pin on inserting the card, and then one until confirmation. Can't see the issue.
Then again, are we talking about US banks?
I figure they'd fuck up rolling out terminals for a ~25 years matured technology. I also heard the security for authentication in online banking were ridiculous, you apparently don't even get a choice of different two- and three factor authentication methods?
>>53921657
>being a hipster, nü-cuck fuckboy
>>53923820
cash is way more secure than "fancy cotton"
the $20 i'm looking at has multiple watermarks and security stripes threaded through the paper, unique and reactive inks, microprints, and geometric patterns that can't be duplicated on any home/office printer sold in the country
not to mention it can never decline or receive overdraft fees, leaves no record of the participants (no data breaches), is easy to conceal, and can't lead to further exploitation if stolen
these days if you get someone's phone you also get all their credit cards too
>Wave card in front of reader
Nope
>Slide
Nope
>Awkwardly stick it in 20% of the way at the bottom end of a card reader
"Yep this will work"
I bet it's the same logic that keeps poorly designed auto-checkout machines in stores. I look at it and I can easily think of many improvements that could be made so that the average person wouldn't have an issue with it. Sure, a lot of people don't have issues with these machines and neither do I. But plenty do. Some people would rather say that we are too fucking stupid as a species to buy our own groceries without a cashier checking it out for us, but it really has to do with the limitations in software. This same disconnection is what gives you inane defaults and ugly user interfaces. You're disconnected from the average person and you don't consider the details. The average person sure doesn't, so you should pay attention to the details FOR them.
>>53923841
Only if you disregard population differences.
> leader in Nobel Prizes
Ranked 15th on a per capita base.
That's not even too bad, but it's not really an extremely good position, either.
>>53924071
>these days if you get someone's phone you also get all their credit cards too
no you don't, not necessarily. Also by the same line of thought i could steal you wallet and find everything short of your social security number.
>>53924071
US currency is the easiest to counterfeit in the civilized world. Compare Australian currency to our currency. Ours is fucking pathetic.
>>53924093
> Some people would rather say that we are too fucking stupid as a species to buy our own groceries without a cashier checking it out for us
Anon from >>53924025 here.
Uh, the biggest supermarket chain here actually has self-checkout stations with scanners (plate scanner + handheld scanner) and touch screen terminals to self-checkout which you can use if you prefer.
Limitations in software? It works. Including random customer cards and coupons which you also can scan or whose code you can enter manually on the touch screen. (You can basically do anything a cashier would.)
And like using card slots, it works. It even works for foreign visitors from the EU, as do card terminals that you "awkwardly" stick the card in. It's no problem at all.
What do you mean "new" I'm mexican and I'm traveling to chicago tomorrow, my two debit cards have chips, am I going to have some trouble making purchases?,should I get cash instead?
>>53921639
>new
>20 years old
Man, my schools were really good at fooling me into thinking America is a first world country.
>>53924217
Found you a pic how that looks.
Sorry, don't really have a good animation showing the software interface for you, but you can just consider it a thing where you scan your basket to an obvious list on-screen combined with something like a shopping app for a food-to-home delivery store in case you need manual entry.
>>53921639
This has been in europe for decades you pleb
>>53923696
It doesn't at all.
The request is literally the card details and encryption keys, nothing else.
EMV has issuer specific receipt structure. There is literally no 'consumer data' at all; and I'm not sure what you mean by that
>>53923696
And no, you can't 'pick any two':
Visa is the only issuer who, for reasons passing understanding, decided they'll accept chip and signature.
Chip and pin is the standard. "Showing ID" doesn't mean anything, and the liability is completely on the retailer if they accepted a non EMV transaction
>>53924154
Well if you don't include illegal aliens the number of prizes per capita is twice as high.
>>53921639
wait, HOLD THE FUCK UP.
We're just talking about chips, as in you slide it in rather than swiping the mag strip? This is new to the US?
I thought this was about contactless, which is why i said this>>53923921
If we're not talking about contactless, chips are the same as mag strips but they don't wear/degrade as fast.
>>53924217
People still have problems with these things. They're not HUGE issues, but they're still issues. When you have cashiers having to help some idiot every few minutes with the self-checkout, it takes the purpose away from it. 99% of the time it has to do with the UI.
Your average cashier can tell you what he'd think would make the experience better for customers, just based off experience with customers having trouble with it. It's not like I'm bashing self checkouts, but they could definitely benefit from an improvement to make it even more streamlined. And it's just the principle of the whole thing, too.
>>53924282
I think the biggest problems have to do with scales, and it bitching about whether a product is on or off the scale.. security measures really fuck up the whole experience sometimes.
>>53924250
In all honestly, the US does have a terrible infrastructure when it comes to anything digital. It's not like us small Eyropoorian countries we keep investing serious money despite everything already "just workz".
After all, what other excuse can you find for a country to only now ditch their insecure magnetic strips for chip + PIN, while the rest of the world is already moving on to near instant NFC payments?
And now I'm curious about how the US handles public transport cards. Do you guys still use separate paper tickets for everything or do you also have an universal pre-paid (NFC) card like most of Western Europe?
Even here in Brazil its old and take no more than 10 secs. Amerifags pls
>>53924480
>US handles public transport cards
Los Angeles recently got those around 4-5 years ago. I still see and help random old Mexicans and Asians who can't grasp the simple concept. Then again the machines could be a bit more helpful.
>>53924571
>I still see and help random old Mexicans and Asians who can't grasp the simple concept.
I hear you, the same is still going on here in the Netherlands where old people and infrequent travellers will hold their card against the screen. I mean, it's not like our terminals have a giant depiction on the card and the text "CARD HERE" on it to indicate where to hold the card...
It's a shame however that it's apparently limited to LA. I love how we have one card for everything although London really took the cake for me. Paying for all public transport by holding my NFC enabled debit card in front of the terminal, brilliant!
>>53924461
Scales? Like for loose vegetables / fruit / mushrooms?
We've long filled bags and then self-measured and slapped the price stickers with bar codes on our own bags in major supermarkets, even for subsequent cash register checkout.
And the vast majority of goods -everything individually packed at some factory- doesn't need to be weighed at the point of sale.
Either way, this already is an actual production system here. Something standing in the biggest supermarket chain of the country, for general use by shoppers. I don't see too much use in theorizing how it has trouble working, when it actually already works?
>>53924393
Amex Blue Cash Everyday.
Discover It.
Citi Doublecash Mastercard.
All accept chip and sig in the US.
>>53924219
As long as your cards have magnetic stripes on the back, you should be OK. You just might experience some confusion when you see terminals with chip slots and you insert it and the card does nothing because they didn't enable the chip slot.
If you don't see a chip slot then you just swipe and you're fine.
>>53924202
http://o.canada.com/business/polymer-money-counterfeit
Polymer is not perfect. It takes years to overhaul currency.
>>53924025
Europe often prefers offline authentication. US has long had online authentication for transactions and an older infrastructure for processing cards online.
>>53924777
>Scales
Self service machines, at least in my experience, need you to put the items you're buying onto a big plate so they can be weighed, probably to be compared with a database.
Not really sure why, it keeps catching me off guard when I keep smaller objects in my hands, then realise I have to leave them there until the end of the transaction.
>>53923649
Chip cards prevent simple card cloning which is 99% of what banks pay attention to. Signing the charge is just agreeing to the merchant agreement. If you signed and you aren't the cardholder then you're committing fraud, if you are the cardholder you are committing a different type of fraud.
>>53923071
Point-of-sale hardware was slow to be updated. A lot of retailers thought
>I buy new credit card readers with EMV compliance and I'm good
But that does you jack shit if the point of sale was doing the actual card processing and the card reader was a dumb unit.
>>53924777
Here every product goes on the scale. You scan your item, put it in a bag and keep it on the shitty carousel thing until you're done. It sucks if you have too many products, or big products. Sometimes it doesn't complain when you take something out of the carousel and put it in your cart (to make room). Sometimes it does. Probably one of the most common problems I've seen with it.
>Stick card in
>Click 'pay by card' button (sometimes just labeled as 'card')
>Click pay
Sometimes people stick the card in and don't know what else to do. It doesn't tell you to click on 'card' to tell it that you're paying by card. It also doesn't automatically take you to checkout. I guess that's a thing, people get into the habit of checking out that they expect to just swipe their card and be done. But it's also a common problem.
I think by UI problems, these minor things really are it. They're still problems, but they're not huge problems. I just think they're something worth looking at. A small update could fix most of these issues I'm sure. I don't know if these machines get any updates though.
I've seen checkout apps on tablets that are absolutely wonderful and quick. Most of the work is done for you, you could do the thing blindfolded. Pretty cool.
>>53924434
I'm not saying nobody had any problems ever, but I've basically never heard anyone ask for help (except someone who dropped and spilled yoghurt on the ground, heh) or switch to the regular checkout line.
> When you have cashiers having to help some idiot every few minutes with the self-checkout, it takes the purpose away from it.
I guess it would, but the person who they usually assigned to the self-checkout station usually wasn't busy even near the time when these were introduced, as far as I could tell from my shopping (which mostly happened near rush hour).
>>53921706
Seriously though.......
>>53924827
It's to make sure someone doesn't stick a TV in there and label it as an 'apple'. They fuck everyone over in the process. Sometimes the scales are under the scanners themselves so it weighs while it scans. I like those. Those have problems too, though.
Go figure. Unless the databse of weights of up to date, you could end up having minor annoyances in every transaction. Considering they're not up to date (I highly doubt every weight listed is accurate) that means you're ALWAYS going to have problems because it's ALWAYS going to check with a fucky database.
>>53921639
>unironically wanting to carry around a botnet around all day
>>53921639
android/apple play onry pls
>>53921639
>New
I've had that shit for years.
>>53924842
> Here every product goes on the scale.
That seems insanely inefficient, and thus very odd.
The vast majority of industrially produced articles here is just a standard weight -say, 500g- and if actual production makes it so that it's actually 502-505g in 99.99% of cases and 508g in 0.001% of cases, then so be it?
Much cheaper to ignore that than making cashiers or customers weigh anything.
> Sometimes people stick the card in and don't know what else to do. It doesn't tell you to click on 'card' to tell it that you're paying by card.
Sounds like just a terribly made system?
Why do you even tell need to tell the device that you are paying by card? All you really need to tell the system is that you are finished scanning items.
Then it should just let you pay with any of the payment methods supported...?
>>53923649
I have never had to sign when I use the chip. Even in the ghetto ass gas stations that take them.
>>53925000
this is MURRIKA, fukboi. Go back to your country with that ching chang chong talk.
>>53924842
> A small update could fix most of these issues I'm sure. I don't know if these machines get any updates though.
These self-checkout stations clearly are networked here, as are the cash registers.
They will report the purchases from customer loyalty card / shopping marketing data collection programs immediately, and they obviously tie into the same supermarket logistics chain as the cash registers, and they always include price updates for items that are on sale in this store / region / nationally.
Plus card transactions also generally are done over the internet here, even if it's with a bank rather than the supermarket chain, it already means they'll be networked anyways.
>>53922046
>>53922041
>the guy behind me at the internet line at amazon can read my PIN number
oh shit im fucked
time 4 gentoo
What is with everyone saying it takes 30 second to verify purchase with a chip?
It seriously take like 2 sec.
>>53925580
Not in the US.
>>53924480
>US
>public transport
Real talk. Is there something different than America's chips? Everytime I tap my card on the NFC reader, by the time I comfortably put my card back into my wallet, the cashier is already handing the receipt to me and I go get my shit and leave. This isn't "long" by American standards, right? Is the technology that different?
>>53921639
>Takes way too long at stores
Clearly you've never been stuck behind someone writing a check for $6.00 worth of items.
Fucking hate people who write checks for groceries
>>53921639
>Visit America
>Give shop guy my card
>He swipes it, haven't had to wrestle that beast in a long time lol
>Take card back and walk off
>excuse me sir
>have to come back to the desk to sign some shit
>Accidentally punch pen through the receipt, write nothing
>Salesguy shrugs and grabs it, begins serving the next guy
In the rest of the world you just wave your card over the machine, it beeps, you walk off. Fucking catch up Americunts I thought you guys were supposed to be on the cutting edge?
>>53929702
Americans invented the technology that they refuse adopt.
>inch, feet, yard, mile
GOD BLESS
Japan has these IC chip debit/credit cards since 2005 and American's card technologies are lacking behind??
So conservative.
>>53929534
NFC isn't really a thing in America, so the cobbled-together systems we use for this stuff usually does take a really long time (30+ seconds) to go through.
There was actually a big boycott by some venders around Black Friday of this shit because they said that if every customer suddenly takes 30 seconds more, by the end of the day they'd lose hundreds of customers in terms of throughput.
>>53921639
I have used a chip since the early 2000's.
I'm currently using NFC on cards.
I don't understand you Americans.
Its like you want to be robbed
>>53930784
>claims he uses it for increased security
>uses nfc
fucking kek
>>53929552
What the fuck country are you in where someone actually writes out a cheque by hand at a store?
>>53921639
>chip
>new
>>53930824
NFC is for speed.
And you can actually limit the max transaction cash limit or even disable.it via your banks phone app.
>>53930843
>>53930824
And that setting is instant.
And all banks give out free card insurance in case of unlawful transactions.
So yeah your american banks and cards are far more unsafe
>>53930828
'Murka
>>53930750
holy shit, the size of that bottle
is that for a family of 20?
that thing would go off before i'd get a quarter of the way through it
>New
Been around for at least 4 years where I live, only knew about it since I finally lost my card.
I don't like the forced paywave shit though.
>New
>Chip
Laugh at the murrican. Laugh.
>>53921639
I havent seen anyone using magnetic strip in 10 years!
Are you muricans really still using those bloody things?!
ffs... We have used chip for +15 years...
>chip
>new
Ah, americans.
>>53921639
I've being using one of these since 2009 no kidding
>>53921775
do not bully americans, they still use dsl internet
>>53921639
Just throwing this out there, be careful with your debit visa cards (especially if you have a lot of money in your checking account). What ends up happening a LOT is friends/family/roommate find out your PIN and take off with it. It's really hard to guard it 100% time you use it when they're around (especially if you trust them). These chip cards will do nothing to help with that.
You don't want to end up like me and lose your entire savings. If someone copies your card, it's on the bank. If someone uses your card, it's on you.
>>53931318
>living with gypsies
serves you right. I gave my family my card and the pin countless of times but because my family are not dirt poor gypos they dont steal from me.
Holy shit
>>53921639
New?
This shit has been on cards forever. Dafuq?
>>53922890
Close to a minute is no exaggeration in my experience, and I live in a pretty major area. It's more like 30 seconds at really big businesses, but can be over a minute at small businesses with handheld readers.
I actually think mag strips were just as slow, we just didn't notice it because we'd swipe and put our card away while it was processing, while we have to stand there waiting to pull it out, so we notice it more.
Also, what's really annoying is that pretty much everywhere has chip-capable readers, but only half of places seem to have them enabled. That means that when going to a new store, the routine is always swipe first, wait 10 seconds, and then it tells you to use the chip and you have to wait another minute for it to process.
Also, another thing that we JUST got in the US is at the table card readers. Canada has had them for ages, but I literally only saw my first one in the US last week.
>>53931318
Not having a shitty family helps. Seriously wtf man.
>>53931318
Are you retarded?
>>53931446
blame the stores for the shitty rollout of the technology, barely getting it functional on the deadline (if at all) and continued lack of support or even having functional chip and pin devices
it's slow because they're using shitty networks for whatever reason, I know the reply chain mentions it's fast in the uk but it really is - it's either instant or 10-15 seconds in smaller stores where the device hasn't been used for a long time (20-40+ minutes), it only takes a long time if it's literally using dialup modems in atms (not hole in the walk atms provided by banks) - you can actually hear the dialup tone and modem
>put card in reader
>3 seconds later input pin
>2 seconds later take out card
WOW MY TIME IS SO WASTED GOLLY GEE
>>53931318
>What ends up happening a LOT is friends/family/roommate find out your PIN and take off with it.
that's why atms provided by banks allow you to change your pin at the machine
>It's really hard to guard it 100% time you use it when they're around
place your wallet over your hand when you enter your pin and tell them to fuck off if they're literally looking over your shoulder, it's not difficult
>If someone uses your card, it's on you.
if somebody makes fraudulent charges using your card it's still on the bank in any first world country, quit spouting bullshit
>>53922046
>personal identification number code
>number code
>>53922064
um what?
you can set your daily limit in the bank, and when you spend more them $limit contactless, you get to enter the pin
>watch 3 hours of TV every day
>complain about 10 seconds necessary for more secure payment
Americans
>>53931455
i've never seen a card without a chip
>>53921775
depends on the connection to internet, less than a minute anyway you can talk to the cashier
>>53922571
The encryption that protects magstripe is pathetic, the stripe literally cannot hold enough data for it to be cracked with any level of difficulty. It's wide open now and provides little to no security.
Chip contains a signature that acts as a private key (though not truly, it's a kind of MAC) protecting the card details, which is unlocked by the PIN. It's not yet been cracked to a meaningful degree, so it's still a usable standard.
>>53921729
>pin & chip tales 2 seconds there.
You make it sound like that's not very long.
>>53930881
It's just a normal 1gal bottle. The kid is just really small.
