Exactly my point. If the banks and card networks in the US ever want people to use PIN with their credit cards, they have to mandate it. That’s how it was done elsewhere. If they don’t mandate it’s because they really don’t want pin to be adopted.
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Kroger Begins Accepting Apple Pay at All Ralphs Grocery Stores in California
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Exactly my point. If the banks and card networks in the US ever want people to use PIN with their credit cards, they have to mandate it. That’s how it was done elsewhere. If they don’t mandate it’s because they really don’t want pin to be adopted.
By "mandate", I meant by the government or the card networks. The banks and credit card companies don't exactly have the motivation to get together to force it, as we've seen.
All of the restaurants operated by Landry’s group, one of the largest companies in the US owning several big chains, still take cards away and have none of those options. Places such as Landry’s, Morton’s, McCormick & Shmick, Bubba Gump Shrimp Factory, Saltgrass, Rainforest Cafe, The Oceanaire, Willie G’s all still only take your card away. And they are big chains that have thousands of locations throughout the US.
So do the fancy chains such as Carabba’s, Capital Grille, Ruth&Chris Steak House, Del Frisco, Hillstone/Houston’s and
lots of others.
Not just mom and pop, even some big chains such as Landry’s as well as the fanciest and most expensive restaurants don’t offer any of those three options.
That’s what the overwhelming majority of sit down restaurants in the US still does. They’re stuck in 1999. People here try to convince me otherwise time and again, but I know they’re simply wrong.
I was at a small mom and pop Thai restaurant (USA, maybe 6 tables top) and they insisted that they didn't take Apple Pay. I asked them to let me try anyway when I saw the nfc symbol on their credit card reader. It worked.
But I bet you had to go where they had the card reader connected to a computer. No way they brought a wireless card reader to your table, that’s very rare in the US. Or did they?
Yeah I know. That’s how it was done elsewhere. The card networks mandated pin for all cards, credit ir debit. Then the card issuers mandated it to their customers, left them
no choice. That’s what has to be done in the US if pin is to be adopted. But apparently even the networks don’t want it to happen in the US.
This isn't necessarily the exact model, but you get the idea. I only would get takeout from there so each time I went up to the counter to pay.
I'm referring to restaurants as well. Despite its billing for the extravagant, Las Vegas has a LOT of mom and pop restaurants. Even they accept Apple Pay and NFC before Chip+PIN. Of course, it is at the register and not via a kiosk, but they have it. At the worst, they'll take the card and run it, probably via swipe. But most do accept Apple Pay or NFC.
BL.
yeah that’s one of those pinpads that are hooked up to a computer via usb, so can’t be brought over to the table. To process payments at the table, they need one of these:
Most restaurants outside the US have them, but I have yet to see one in the US that has them.
I was in King Soopers today (owned by Kroger) and they had up little signs that said that they prefer tap to pay, with the Samsung and Apple logos on them. I used a tap to pay credit card that asked me for a PIN, so they are apparently still working it out. I was trying to do Apple Pay but I had a pop socket MagSafe wallet attached to my phone and it picked up the credit card in it.
There are actually cards from US issuers that prefer PIN. While those types of cards aren't common, they should in theory only be asking for larger purchases.
BTW, who issued that card? I only know of UNFCU who does.
Discover. I have had this card since the 90s and I have never been asked for a PIN. If it has one, I don’t know what it is.
Maybe that is why they haven't rolled out contactless to all Kroger banners yet. At least with inserted Visa debit cards the green button bypasses the pin but not sure if it's the same with ctls Visa debit. That for sure needs to be fixed before a full rollout.
You'd think this would have come up (and have been fixed) while they were testing at QFC for the last few years.
Indeed. I’ve always been uncomfortable about an employee running off with my credit card, but that is indeed the norm for most sit-down restaurants in the US! Glad though that the Apple Card has no number imprinted on it, making it harder to steal.
In most of those places you can take your ticket to the register and pay there. If they are taking somewhere in the back, that should be a red flag. There have been lots of card scams done by people making false charges or even copying cards in that scenario.
I agree it's not a great way to handle things, but I don't think there's much pressure from consumers to change things. I myself (in US) almost never pay with cash and I myself have only had to replace a card for fraud reasons 2-3 times max (with no money lost by myself).
I tried my sockdrawered Discover card at a Ralphs today and I didn't get a PIN prompt, FWIW. They may have fixed this already.
I think a lot of Americans actually prefer their cards to be taken away. After all, people seem to hate QR codes for menus, etc. too.
I am not one of them! Menus can be dirty as hell and most places don't seem to clean them.
I believe one of the reasons, if not the main one, to have nothing but the name printed on the Apple Card was precisely for use at restaurants in the US. Had Apple Card been first released anywhere else, they probably wouldn’t have worried too much about a number printed on it, since only in the US they still have to take people’s cards away at a restaurant.
Actually no. Lots of sit down restaurants in the US don’t even have an actual register and have the computer and connected card reader in an area only accessible to employees. Usually behind the bar counter, in the kitchen or somewhere in the back of the restaurant. Not so easy to walk over and pay.
I’m one. But it isn’t the QR code or the technology, it’s that it is difficult to read an extensive menu on an iPhone. There’s way too much scrolling, swiping, zooming involved unless the menu is a very short one.
