Lowe's Retail Stores Now Accept Apple Pay

[tmiw]

What? Entire Europe uses debit cards without basically any issues. Some people are really afraid of their own shadows...
USA seriously needs to move on with the modern payments cause discussions like this are both ridiculous and embarrassing to read in 2024.

Theoretically there are differences in how fraud is handled between debit and credit cards here (though in practice you get your money back regardless). Combined with the fact that PIN isn't mandatory even for debit card purchases, I can see why people wouldn't want to bother risking it if they're able to use an alternative.

 

[deeddawg]

What? Entire Europe uses debit cards without basically any issues. Some people are really afraid of their own shadows...
USA seriously needs to move on with the modern payments cause discussions like this are both ridiculous and embarrassing to read in 2024.

Sure, but it appears the authentication methods are much more stringent there than in the US - which was kinda the point @tmiw was making; there's neither the incentive within the industry (due to lesser consumer protections against debit card fraud) nor a governmental regulation akin to Europe's Strong Customer Authentication requirement, so the industry doesn't implement such protection -- unlike credit cards which have better consumer protection laws.

 

[JayDomK]

In Germany, Austria, and Switzerland, most small businesses in big cities there accept only cash payment and not accept card payments.

Some European banks do not accept Apple Pay but accept Google Pay. For example, Norway’s largest bank, DNB bank, does not accept Apple Pay but accept Google Pay.



In the USA, it is common for some businesses to accept physical card payment but not accept contactless payments, Apple Pay, and Google Pay.

Where did you get that information? I have an acquaintance who lives in Switzerland. We have known each other for more than 10 years. She goes shopping in Germany because it is cheaper to buy there. And she has always been happy about the fact that in many stores she can pay by card.
Yes, Apple Pay may not be available everywhere, but card payments are available in 95% of stores.
And there are a lot of small businesses in Liechtenstein. It's a German-speaking small country. And there too, small businesses accept bank cards.

 

[JayDomK]

Sure, but it appears the authentication methods are much more stringent there than in the US - which was kinda the point @tmiw was making; there's neither the incentive within the industry (due to lesser consumer protections against debit card fraud) nor a governmental regulation akin to Europe's Strong Customer Authentication requirement, so the industry doesn't implement such protection -- unlike credit cards which have better consumer protection laws.

It's true. Authentication methods in Europe are very strict. This is not only about bank cards, but in general. For example, in Switzerland, you are allowed to have only 1 phone number. And if you lose it, you have to write an application and sign a new contract.

 

[Algr]

For example, in Switzerland, you are allowed to have only 1 phone number. And if you lose it, you have to write an application and sign a new contract.

Then how do cell phones work if you have a land line? What about fax lines?

 

[JayDomK]

Then how do cell phones work if you have a land line? What about fax lines?

I probably misspoke. I was talking about one cell phone number.