Probably depends where you are and which restaurants. I would agree the independents probably still do it. There's the one we like that does it. The chains mostly have kiosks, and most diners you pay at the register.
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Kroger Begins Accepting Apple Pay at All Ralphs Grocery Stores in California
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Landry’s group is one of the largest chains, if not the largest, with thousands of restaurants all over the US, and not one of them has kiosks, app/qr or the register at the front.
Why? Do you not note when you have bad service at a store and consider that when deciding whether to shop there again?
That means that:
- I have to have a card with me.
- I have to have the right card (based on the type of charge).
Maybe in your world you just drive aimlessly until randomly finding a store and then go and see if they have what you want. I know where I am going before I start the process. I would not head to Wal*Mart in the first place, because I know that the shopping experience there would annoy me (not just that I would have use a physical card, but that the lines are long and the selection of the products I tend to purchase is limited).
I have clear, so I never had to touch my wallet. Checked in on my phone, scanned my watch at the Clear kiosk, showed it to the TSA agent and used my watch to board my flight.
Not sure why you think there is value in having multiple copies of your paper documents, in fact it is probably a security issue, as with a boarding pass one has a lot of information about you and your travel. Getting one reprinted is trivial were it to matter (every gate has an agent who can do so). I have my boarding pass on my watch, so I do not have to pull out my phoneI definitely have the digital boarding pass also on my phone. I just don't use it and don't rely on it. But of course, if all my paper documents go missing, I do have the phone to take out and show them my boarding pass
You travel and do not worry about having a working phone (if it is not charged, it is not really working). I would be way more concerned about having a way to contact people, get an Lyft/Uber, be able to make changes to my flights in case of weather or mechanical delays, etc., all of which would be done with my phone.
Why are you worried about having your paper ticket with you at all times? If you go to the bathroom on the plane, are you worried that they flight attendant is going to ask you to see your ticket? As you move around the airport, you would need to have all your non-checked bags with you, so I am not clear what you think you gain.
Wow. Your experience is radically different from mine. In a normal year, I fly 50-75 flights. I cannot even understand how what you are saying would work. The reader that scans your paper boarding pass also reads you mobile boarding pass. If the gate readers are down, and they are reconciling semi-manually (typing your seat into the computer), they can do that with your mobile boarding pass just as easily. Even fully manual reconciling would work just as well with a mobile boarding pass.
I cannot think of a single time in my last 10 years of travel (probably over 500 flights), where what you describe has happened.
Nor many mid-tier and high-end restaurants with waiters in the U.S., where taking one’s card is still the norm.
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Though realistically, how often is the average person going to go to a high end restaurant? Not to mention that I did hear about a few restaurants trying pay at the table early on, only to backtrack.
(For example, Outback Steakhouse used to use the tableside tablets and now takes cards away--unless you scan the QR code on the table and use their Web based payment portal. To their credit, though, you can at least use Apple Pay with it.)
Wow this could have been my exact response. The only thing I am also guilty of not doing, are people giving feedback about why they aren't patronizing them?
Plus I like that it tracks rewards if you pay in the app. The one I remember being funky at first but works now, is RL showed the kiosk took NFC and had the symbol, but nothing would happen
It isn't exactly trivial to get one reprinted if systems are down or there are long lines. The extra copy exists in the same travel folder I carry with me. Also, depending on where you're travelling to, an extra copy can be helpful (e.g., less developed countries....)
Maybe you have a better memory than me, but sometimes in a full flight on a twin-aisle jet, I do forget exactly where my seat is located. ;-) The boarding pass helps me remember what seat I'm in.
Different strokes for different folks. You seem to rely more on your phone. I don't. My phone can go missing and I can travel just fine.
And where do you travel? Typically to well-resourced countries and airports?
I do find it amazing how a person can use their own personal experiences to invalidate other people's experiences. 🤷♀️
Almost no U.S. card issuers even give a “Chip and PIN“ pin. Some cards will give a PIN for use at an ATM for cash advances, but that is not that common. I do not understand why people here would want to have a PIN issued (unless they do a lot of international travel). It has no benefit to the consumer and shifts the liability to the customer from the merchant. There are lots of serious security problems with it, so I am much happier that I do not need to deal with it.
Wireless terminals are starting to become more common, but still far from the norm here.
That will not help you at all in most cases where someone is stealing card numbers, they use a skimmer that just runs the card and reads all 4 lines of the mag strip. Very rare for someone to take a photo of a card or to hand copy the number.
This is why I would never want to go anywhere I have to swipe. At least even if NFC has issues at major gas stations they use the chip now; although, maybe they could still put a skimmer in there?
I corrected that to mid-tier and high-end restaurants, and I would guess it is pretty common (as someone else pointed out, most of the large chains still do it).
By that logic, we should have heard a bunch of stories by now about how banks are assuming your Apple Pay charges are legit (despite those charges happening from/on a device that doesn't belong to you) simply because Touch or Face ID was used.
Anyway, while it's unlikely we'd ever find out for sure, I imagine using a PIN doesn't negate the consumer protections that are part of federal law. Besides, at this point, requiring PIN on a card simply makes your card harder to use domestically since customer facing terminals aren't as common as elsewhere.
I perhaps eat out way more often than I should and I wouldn't call pay at the table common at mid-tier restaurants, either. At least not as common as outside the US, anyway.
Small, local food shops that often provide superior experiences quite often do not support Apple/Android Pay. I suppose these are the tradeoffs one must make to avoid carrying a piece of plastic weighing around 5 grams.
You state that you travel quite often. I am assuming you carry around local currency to get around some of these issues with payment? I refuse to believe this isn't more of an issue than you are letting on.
Again, while not my experience, having a paper copy floating around is still a security risk if it goes missing.
Cannot say I have ever had that experience, but everyone is different.
Given that when I travel it is my primary communications and information device, I certainly rely on it, even more so when I am in less developed countries. Again, it seems our experiences are quite different.
Every one of the local shops to which I can walk, has supported ApplePay since before the pandemic. Most of them before the large chain stores. The local Asian market and 99 Ranch both have supported it for years, as have Trader Joe’s, Sprouts, and Grocery Outlet. The only places I go with any frequency that do not take it are Lowe’s and Home Depot, and those are always a car ride away, which is fine as my wallet is usually in my car.
It is not a single piece of plastic or metal, it is that my cards are kept in my wallet with my ID and other cards. I routinely go out for a walk or run without even my iPhone as I have cellular service on my watch. Even when I take my phone, it is still much smaller and lighter than my wallet. In addition, I have 8 card in my Apple Pay account, including some for which I would never use the physical card (like an Apple Card that is 2% or 3% using Apple Pay, and one 1% with the card).
I actually rarely have cash in most places I travel in Canada or the U.S., nor in Europe/Asia. In much of the developing world I have found that U.S. Dollars are more useful than local currency, but that is very place dependent.
However, I was not discussing ApplePay in Bimbo, Mogadishu or Mombasa, I was discussing it in Chicago, Las Vegas, Los Angeles, Orlando and San Francisco. Even with the amount of travel I do/did, I still spend more time in the U.S. than in other countries.
When you say pay at the table, do you mean with a wireless terminal or do you mean giving your server your card to take in back to run a charge? The former is still not very common in the U.S., the latter is the norm in most sit down U.S. restaurants.
Since we never adopted Chip and PIN here, the card issuers never tried to switch the liability here, hence it not being an issue here.
Again, it is not something that has happened here, so it is not really an issue. When I have some more time I will find some links to stories from the UK and Europe about issues with Chip and PIN card fraud.