{"id":15639,"date":"2016-08-22T16:11:44","date_gmt":"2016-08-22T20:11:44","guid":{"rendered":"http:\/\/mjtsai.com\/blog\/?p=15639"},"modified":"2016-08-22T16:11:44","modified_gmt":"2016-08-22T20:11:44","slug":"chip-card-nightmares","status":"publish","type":"post","link":"https:\/\/mjtsai.com\/blog\/2016\/08\/22\/chip-card-nightmares\/","title":{"rendered":"Chip Card Nightmares"},"content":{"rendered":"

Joanna Stern<\/a> (via John Gruber<\/a>):<\/p>\n

After pulling out the stopwatch for over 50 transactions at various retailers in recent days, I can confirm that it takes twice as long to pay with a chip card than with a card swipe or mobile payment—on average, 13 seconds versus 6 seconds.<\/p>\n

[…]<\/p>\n

And that doesn’t count the time playing swipe-or-chip roulette. Consider yourself lucky when you encounter a “NO CHIP!” sign or a duct-tape blockade over the slot.<\/p><\/blockquote>\n

Lately, I’ve been spared. I’ve only seen signs saying not to use the chip reader and had cashiers tell me to ignore the sign saying to insert my card.<\/p>\n

“Many [retailers] don’t yet take EMV because the longer lines tend to be a much greater hit than the fraud that they’d have to pay for,” says Joseph Koenig, a technology manager at Index, a company that implements software in point-of-sale terminals.<\/p>\n

[…]<\/p>\n

Apple Pay, Samsung Pay and Android Pay were all twice as fast as current chip cards in my testing. Hold up your phone, press on the fingerprint sensor to confirm it’s you and six to seven seconds later, you’ll hear that pleasing ding that you’re done.<\/p><\/blockquote>\n

It seems weird, though, that I still have to sign on that awful electronic pad after providing my fingerprint.<\/p>\n

Josh Centers<\/a>:<\/p>\n

CVS Pay is part of the CVS Pharmacy app for iOS that combines access to your debit or credit card, ExtraCare rewards card, and a Health Savings or Flexible Spending account. Like CurrentC and Walmart Pay, CVS Pay uses barcodes to transmit information.<\/p><\/blockquote>\n

That’s wonderful considering that their terminals are never able to scan the ExtraCare and prescription barcodes from my phone.<\/p>\n

Previously: Why I Started Using Apple Pay<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"

Joanna Stern (via John Gruber): After pulling out the stopwatch for over 50 transactions at various retailers in recent days, I can confirm that it takes twice as long to pay with a chip card than with a card swipe or mobile payment—on average, 13 seconds versus 6 seconds. […] And that doesn’t count the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"\"\"","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2],"tags":[995,101,169],"class_list":["post-15639","post","type-post","status-publish","format-standard","hentry","category-technology","tag-apple-pay","tag-business","tag-payments"],"apple_news_notices":[],"_links":{"self":[{"href":"https:\/\/mjtsai.com\/blog\/wp-json\/wp\/v2\/posts\/15639","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mjtsai.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mjtsai.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mjtsai.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mjtsai.com\/blog\/wp-json\/wp\/v2\/comments?post=15639"}],"version-history":[{"count":1,"href":"https:\/\/mjtsai.com\/blog\/wp-json\/wp\/v2\/posts\/15639\/revisions"}],"predecessor-version":[{"id":15640,"href":"https:\/\/mjtsai.com\/blog\/wp-json\/wp\/v2\/posts\/15639\/revisions\/15640"}],"wp:attachment":[{"href":"https:\/\/mjtsai.com\/blog\/wp-json\/wp\/v2\/media?parent=15639"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mjtsai.com\/blog\/wp-json\/wp\/v2\/categories?post=15639"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mjtsai.com\/blog\/wp-json\/wp\/v2\/tags?post=15639"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}