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Gunshow Poophole posted:yeah other countries can still be smug about our money infrastructure. how tf you gonna charge me a convenience fee when the new system is more convenient for both the seller and the buyer?
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Mar 6, 2024 15:59
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Pepe Silvia Browne posted:the actual reason they want everything to be cashless is that it means homeless people are no longer living "off the grid" and still have to have some form of monthly payment (like a cell phone) to allow them to interact with civilization in the most basic ways, like obtaining food If those homeless guys want some of my hard-earned paycheck then they're gonna have to get a Stripe payment module installed in their forearm so that I can casually swipe as I step over their body in the street 
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Mar 6, 2024 16:57
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Panhandlers do carry terminals now. When literally nobody has cash on them anymore you gotta adapt, and there are multiple disruptor startups that make cheap hardware for handling chip transactions
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Mar 6, 2024 17:00
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Ruffian Price posted:Panhandlers do carry terminals now. When literally nobody has cash on them anymore you gotta adapt, and there are multiple disruptor startups that make cheap hardware for handling chip transactions I’ve had homeless folks tell me they had Venmo or cash app a few times recently
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Mar 6, 2024 17:06
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Pepe Silvia Browne posted:how tf you gonna charge me a convenience fee when the new system is more convenient for both the seller and the buyer? It's a "convenience fee" because it's convenient for them to charge you a fee and get more money.
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Mar 6, 2024 17:07
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Ruffian Price posted:Panhandlers do carry terminals now. When literally nobody has cash on them anymore you gotta adapt, and there are multiple disruptor startups that make cheap hardware for handling chip transactions I rescind my opinions about the US not being at the forefront of FinTech innovation
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Mar 6, 2024 17:12
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Pepe Silvia Browne posted:how tf you gonna charge me a convenience fee when the new system is more convenient for both the seller and the buyer? Because it's convenient for me that your bits are passing along my network! Because I Can, deal with it  e: Ham Equity posted:It's a "convenience fee" because it's convenient for them to charge you a fee and get more money. yeah lol
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Mar 6, 2024 17:21
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it's great when there's a convenience fee for paying something online but it's also the only way of paying
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Mar 6, 2024 17:27
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When I lived in Canada I thought it was cool that every restaurant had wifi card readers and would do the billpay at your table. They never take your card, which honest, should be the norm.
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Mar 6, 2024 17:32
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in the united states just by example there's like $7.1 trillion dollars of retail sales per year, about 20% of which are paid for in cash, the vast majority of the rest are paid for with credit or debits cards. the credit card companies, depending on a zillion factors that they have complete control over and are completely opaque to anyone using or accepting a card, take around a 1-1.5% cut by having a merchant be able to accept card payment at all. that's $60b revenue just because. this is BEFORE they calculate risk of default / price in interest on balances etc and make other money that way as a small business tyrant it costs me 2.8% off the top for someone to use a card or a phone to pay. Gunshow Poophole has issued a correction as of 18:04 on Mar 6, 2024 |
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Mar 6, 2024 18:02
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yeah, it's why you'll see a "cash" price and a "card" price for fuel at some gas stations. i *think* stores are banned from passing that 3% haircut onto consumers using a card by whatever EULA they have to sign to take visa/mastercard/etc, but if no one narcs to the card companies, stores can do what they want
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Mar 6, 2024 18:11
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Eat This Glob posted:yeah, it's why you'll see a "cash" price and a "card" price for fuel at some gas stations. i *think* stores are banned from passing that 3% haircut onto consumers using a card by whatever EULA they have to sign to take visa/mastercard/etc, but if no one narcs to the card companies, stores can do what they want They used to be but that went away over a decade ago and the eulas don’t ban it anymore but a lot of places still don’t because it pisses off customers I actually got $200 out of a class action against shell gas stations for adding a fee way back when
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Mar 6, 2024 18:16
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Eat This Glob posted:yeah, it's why you'll see a "cash" price and a "card" price for fuel at some gas stations. i *think* stores are banned from passing that 3% haircut onto consumers using a card by whatever EULA they have to sign to take visa/mastercard/etc, but if no one narcs to the card companies, stores can do what they want in this state the way you can perform this passing on of the haircut is highly regulated in itself (imo a good thing because transparency) and must be communicated in certain ways. Those ways are lovely and nitpicky and universally make customers IRATE not at the credit card companies, mind you. at the person behind the till.
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Mar 6, 2024 18:19
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Gunshow Poophole posted:in this state the way you can perform this passing on of the haircut is highly regulated in itself (imo a good thing because transparency) and must be communicated in certain ways. Those ways are lovely and nitpicky and universally make customers IRATE It’s fun too because in a lot of states the fee needs to be factored into the sales tax base so you see little mom and pop shops that don’t realize that get hit with margin killing five figure audits every so often
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Mar 6, 2024 18:21
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HashtagGirlboss posted:It’s fun too because in a lot of states the fee needs to be factored into the sales tax base so you see little mom and pop shops that don’t realize that get hit with margin killing five figure audits every so often yup, another source of pressure to just knuckle under and deal with it, it's just 3%, c'mon
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Mar 6, 2024 18:23
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Shame Boy posted:Ah ok, yeah I could totally see it from that angle sure. let us know when youre designing homeless tracking software for citigroup and then you'll be able to offer your "expert opinion" again
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Mar 6, 2024 18:25
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Eat This Glob posted:yeah, it's why you'll see a "cash" price and a "card" price for fuel at some gas stations. i *think* stores are banned from passing that 3% haircut onto consumers using a card by whatever EULA they have to sign to take visa/mastercard/etc, but if no one narcs to the card companies, stores can do what they want I loving hate it when friends want to drink at a bar and it turns out to be a cash only place once I get there. I don't think it's entirely about avoiding the 3% haircut. Probably makes it easier to dodge taxes as well.
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Mar 6, 2024 18:31
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mycomancy posted:Peepaw, what are you doing out of bed?! I gleefully avoid participation in financial systems, so I guess I'm out of touch. But in all seriousness I live in New England and I've never seen or heard of tapping to pay. Also my card is broken into two halves and you can't read the numbers anymore. Still works somehow! First it was a firm swipe, then I was made to insert, and now they demand tapping. Soon they'll make me stick my thumb in something to complete a transaction.
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Mar 6, 2024 18:32
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PostNouveau posted:I loving hate it when friends want to drink at a bar and it turns out to be a cash only place once I get there. It also speeds up service if a place is really busy which is why you tend to see it at mid sized and small concert venues a lot
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Mar 6, 2024 18:33
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BRJurgis posted:I gleefully avoid participation in financial systems, so I guess I'm out of touch. But in all seriousness I live in New England and I've never seen or heard of tapping to pay. Also my card is broken into two halves and you can't read the numbers anymore. Still works somehow! but the tapping is easier than all of those things
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Mar 6, 2024 18:34
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BRJurgis posted:I gleefully avoid participation in financial systems, so I guess I'm out of touch. But in all seriousness I live in New England and I've never seen or heard of tapping to pay. Also my card is broken into two halves and you can't read the numbers anymore. Still works somehow! I generally like tap conceptually over swiping and definitely over inserting but the taps on every machine are so different. Some are really picky about where you tap and then some want you to be really quick and some want you to hold for a second and it’s just annoying
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Mar 6, 2024 18:35
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HashtagGirlboss posted:I generally like tap conceptually over swiping and definitely over inserting but the taps on every machine are so different. Some are really picky about where you tap and then some want you to be really quick and some want you to hold for a second and it’s just annoying I had the same issues and noticed recently that it's generally down to UI problems. Often the machine has the tap logo somewhere on the plastic casing to indicate tapping is possible, but then the screen will display where it actually wants you to tap (often dead center). Once I knew what to look for, it became a non-issue.
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Mar 6, 2024 18:41
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Pepe Silvia Browne posted:but the tapping is easier than all of those things yeah after getting a tap to pay card it's hard to imagine going back to swipe or chip which both seem to constantly fail in the places around me. Like there was a gas station that had a good beer selection I'd hit once a week that had chip readers so bad they'd give you their coffee punch card (like buy 8 coffees and the next one is free kinda deal the size of a stock business card) to place under your card and wedge into the chip reader because they found that made the reader more consistent (it did admittedly work). HashtagGirlboss posted:I generally like tap conceptually over swiping and definitely over inserting but the taps on every machine are so different. Some are really picky about where you tap and then some want you to be really quick and some want you to hold for a second and it’s just annoying Yeah I've never had that experience tap just always "works" and in the couple years I've had it I can't even think of an example offhand where it's failed. Some places don't take it still somehow, but I never run into the "okay try again" loop you sometimes get with swiping/insert.
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Mar 6, 2024 18:41
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PostNouveau posted:I loving hate it when friends want to drink at a bar and it turns out to be a cash only place once I get there. Also makes it easier to gently caress over employees on tips and/or just steal them.
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Mar 6, 2024 18:46
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tokin opposition posted:Also makes it easier to gently caress over employees on tips and/or just steal them. This could be outdated but I feel like the common knowledge is that everyone who works for tips prefers them in cash.
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Mar 6, 2024 18:50
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BRJurgis posted:I gleefully avoid participation in financial systems, so I guess I'm out of touch. But in all seriousness I live in New England and I've never seen or heard of tapping to pay. Also my card is broken into two halves and you can't read the numbers anymore. Still works somehow! Little Jack Horner, became a store owner, Selling delicious pies, If you stick in your thumb, And pull out a plum, You know your cards declined
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Mar 6, 2024 18:51
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PoundSand posted:yeah after getting a tap to pay card it's hard to imagine going back to swipe or chip which both seem to constantly fail in the places around me. Like there was a gas station that had a good beer selection I'd hit once a week that had chip readers so bad they'd give you their coffee punch card (like buy 8 coffees and the next one is free kinda deal the size of a stock business card) to place under your card and wedge into the chip reader because they found that made the reader more consistent (it did admittedly work). You’re lucky. Usually the “where does it even want the tap” is an issue at smaller places, like there’s a food cart I go to probably weekly that I’ve never had it work and always end up inserting. But the “be quick” or “hold for a second” issue seems to come up at least 1 out of 5 times. I think there’s just no real standard for the readers and they’re all slightly different tokin opposition posted:Also makes it easier to gently caress over employees on tips and/or just steal them. This is true too, although it also lets staff fudge their reported tips for tax purposes more easily, so who is to say
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Mar 6, 2024 18:51
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if im out at a bar or restaurant and i have cash on me i will put the bill on my card and leave the tip in cash when i was a busboy we got a % of the tips and i always just assumed the owner skimmed cause the servers would tip out to him and he would redistrubute our shares to the bartender, dishwasher and busboy and then the servers always under-reported their cash cause they knew they were getting screwed...so that means i got screwed twice
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Mar 6, 2024 18:51
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tokin opposition posted:Also makes it easier to gently caress over employees on tips and/or just steal them. it's the opposite, even if this PoundSand posted:This could be outdated but I feel like the common knowledge is that everyone who works for tips prefers them in cash. is not actually common knowledge having a kapo house manager or whatever handle strictly cash for tips is still preferable to having an opaque accounting system built into a computer that only the owner has admin access to
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Mar 6, 2024 18:52
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tokin opposition posted:Also makes it easier to gently caress over employees on tips and/or just steal them. When I dine out I leave a cash tip and "stiff" them on the credit card for this reason and so they can potentially lie to the tax man.
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Mar 6, 2024 18:53
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Cash only is so the bar owner can lie about sales tax owed, they get busted for it constantly.
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Mar 6, 2024 18:59
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OH MY BAD posted:let us know when youre designing homeless tracking software for citigroup and then you'll be able to offer your "expert opinion" again Nobody has ever cared as much about my job of "make receipt print" and "turn on credit card reader" as you seem to, and that includes me personally
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Mar 6, 2024 19:03
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BRJurgis posted:I gleefully avoid participation in financial systems, so I guess I'm out of touch. But in all seriousness I live in New England and I've never seen or heard of tapping to pay. Also my card is broken into two halves and you can't read the numbers anymore. Still works somehow! can you not pay with your phone? isn’t apple/google pay the same scheme as the tap to pay card?
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Mar 6, 2024 19:13
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Proust Malone posted:can you not pay with your phone? isn’t apple/google pay the same scheme as the tap to pay card? Yeah they've done a real poo poo job of like... telling people about all this poo poo but google/apple pay is the same protocol as card tap to pay and you can generally just use a supported card on those things. Basically every card reader made in the last ~10 years supports NFC payments even if it doesn't advertise that fact and unless the store has explicitly disabled it it probably will Just Work and you've just never tried it
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Mar 6, 2024 19:17
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Vending machine at work has the NFC/Google wallet thing set up which makes it a lot easier to grab a coke on my way up, unfortunately they don't sell rum
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Mar 6, 2024 19:18
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tokin opposition posted:Vending machine at work has the NFC/Google wallet thing set up which makes it a lot easier to grab a coke on my way up, unfortunately they don't sell rum Wait don’t you live in Seattle? Just stop in at Safeway on the way in and pick up a handle. Share it around, you’ll be more popular than the guy who brings stale donuts sometimes
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Mar 6, 2024 19:24
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HashtagGirlboss posted:Wait don’t you live in Seattle? Just stop in at Safeway on the way in and pick up a handle. Share it around, you’ll be more popular than the guy who brings stale donuts sometimes Seattle is famous for Safeway
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Mar 6, 2024 19:34
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When I can buy real drugs with a card and not be jailed for decades, that's when I'll embrace a cashless society, and not one second earlier.
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Mar 6, 2024 20:13
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mawarannahr posted:Seattle is famous for Safeway Washington allows grocery store liquor sales was the joke
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Mar 6, 2024 20:22
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Proust Malone posted:can you not pay with your phone? isn’t apple/google pay the same scheme as the tap to pay card? Shame Boy posted:Yeah they've done a real poo poo job of like... telling people about all this poo poo but google/apple pay is the same protocol as card tap to pay and you can generally just use a supported card on those things. Basically every card reader made in the last ~10 years supports NFC payments even if it doesn't advertise that fact and unless the store has explicitly disabled it it probably will Just Work and you've just never tried it
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Mar 6, 2024 20:50
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