People that pay by phone and don’t have cards on them.

Droolinggimp said:
There was a thread on Reddit similar to this one. I will say the same thing, those of you who just use phones to pay with everything, not carry any cash, and/or have a bank card in its case, what the hell are you going to do if you lose your phone or even if your phone battery dies?

You can't call the bank or use an app to freeze/cancel your cards/accounts until you get home or where ever you have contact numbers stored as I am pretty sure you wont have a slip of paper with emergency numbers on your person at the time of losing your phone. You won't have any means to purchase anything as all your means to do so, is lost.

Personally I think it's silly to just use a single method to purchase. I have a wallet with coins, notes and a card in, a smaller one for my other cards, and also my phone which I don't actually use to purchase anything as I have not set it up but will do now these threads have reminded me to do so.
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Was thinking the other day that if I lost my phone or it was stolen with my wallet then I can't actually remember any current phone numbers to call for help.

My memory for numbers is terrible, perhaps I should get an emergency contact tattoo :D
 
iphones have enough sand-bagging in a dead battery to continue to run apple pay even when battery can't turn on the screen/boot
(presumably there is a separate mcu that runs the token generation & nfc response - never investigated the architecture)
 
jpaul said:
iphones have enough sand-bagging in a dead battery to continue to run apple pay even when battery can't turn on the screen/boot
(presumably there is a separate mcu that runs the token generation & nfc response - never investigated the architecture)
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I though that was only for Express Cards and not general Apple Pay usage. Link.
 
Lysander said:
Phone payments are really glitchy. Contactless is still where it's at.
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Not sure they're naturally "glitchy" but they certainly aren't 100% reliable. See it fair amount at the turnstiles on the underground with folk having to mash their phone or watch multiples times for it to work which is bloody annoying and a inconvenient to everyone else when it's rush-hour and everyone is just trying to funnel through quickly.
Can't say i've had that issue with a card unless it's a terminal/network issue.

Werewolf said:
I like tech, but I still don't trust it fully.
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My thoughts too. Although if it was 100% reliable, "wallets" supported all cards (Costco being one of my gripes) and pumps supported contactless then i might give it another whirl but, while i still have to carry cards it seems a bit pointless at the moment.

Scam said:
What slim wallets are people using? I wonder if it's time to do that as a halfway house :)
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Got a A-Slim Doku wallet after @Raymond Lin posted it in a wallet thread, really good quality although there are probably thinner wallets.
 
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I pay with my phone or my watch. I haven't used my card or cash for ages. The card is in my wallet that's normally in the van mind so if it insists I have to pay with chip and pin I just have to go get it and that never happens unless I'm paying over 100 quid and then I make sure I have my card on me.

I never have an issue paying this way.
 
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The biggest problem I have with Apple Pay is the pereceived £100 limit. On several occasions I've had retailers refuse to let me use Apple Pay as they were positive that as the amount was > £100 it would fail. A few have relented and then seemed very surprised when it worked.

I bought new glasses a couple of weeks back at the lady at Specsavers all but refused to enter the payment value into the card machine when was standing there with my phone. I wasn't in the mood for an argument but didn't have anything other than my phone with me so didn't have any other way to pay. Eventually she agreed to give it a try and guess what, it worked perfectly.
 
Combat squirrel said:
I admit I mostly pay via Apple Pay, however the huge dangers of a cashless society are also not lost on me.

We must always keep cash in our society.
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Still 1.2m adults that don't have a bank account. How do they cope without one now? They are paying more for utilises, insurance (as many cheaper companies don't want to know about those without a bank account) etc.
 
Haggisman said:
Pretty sure they won't work anymore as most new cards are not embossed



The shop closes ofc.

Wait... you didnt really think the cashiers at your local supermarket are going to know the prices for every single item in the store, and then sit there with a calculator adding up your bill (taking into account special offers), and making a note of everything bought so they can update the stock database when things come back online? :cry:

It might be possible in little independent shops where everything is individually priced, but there's no way a supermarket is going to be able to operate without power.

That's ignoring the whole health and safety aspect of having a bunch of people wandering around a pitch black warehouse full of sharp shelf corners and objects to trip over/walk into
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Sadly they don't close - where I work had a plan in place for that eventuality as well.

  • All managers (store, deputy, department) to tills and pair up with a till operator.
  • Keys from the cash office to open the till drawers manually.
  • Calculator and notebook to estimate shopping value which was agreed with the customer/till operator
  • Cash? Great - straightforward and customer goes home happy with their likely cheaper shopping
  • Card? Manual Imprinter comes out and click-clack and customer goes on their merry way
  • When power is back on Cash Office manually gets authorisation for every card transaction that occurred.
  • The staff cuss out the area manager for being a nob and not letting us close the front doors.
Happened once in 18 years of retail work, lasted roughly 2 hours. Was actually kinda fun!
 
I have payment setup on my phone, but I've only used it a few times. I've forgotten my wallet once or twice and occasionally I nip to the shops on the way back from the gym (I don't take my wallet).

Contactless was down in the big Sainsbury's in Plymouth yesterday. People were griping about it, but the lady at the front telling people was also handing out celebrations, so perhaps it was to soften the blow.
 
Psymonkee said:
Sadly they don't close - where I work had a plan in place for that eventuality as well.

  • All managers (store, deputy, department) to tills and pair up with a till operator.
  • Keys from the cash office to open the till drawers manually.
  • Calculator and notebook to estimate shopping value which was agreed with the customer/till operator
  • Cash? Great - straightforward and customer goes home happy with their likely cheaper shopping
  • Card? Manual Imprinter comes out and click-clack and customer goes on their merry way
  • When power is back on Cash Office manually gets authorisation for every card transaction that occurred.
  • The staff cuss out the area manager for being a nob and not letting us close the front doors.
Happened once in 18 years of retail work, lasted roughly 2 hours. Was actually kinda fun!
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Wow, have to say I'm impressed - how did they handle the whole "people walking into things in the dark" thing? Handing out torches at the entrance? :p
 
Luckily that happened in Summer! :cry:

They did a thing and dimmed the lights to make it a 'quiet hour' long ago. On the 21st December. Dark clouds in the sky. It was definitely a thing!
 
Psymonkee said:
Sadly they don't close - where I work had a plan in place for that eventuality as well.

  • All managers (store, deputy, department) to tills and pair up with a till operator.
  • Keys from the cash office to open the till drawers manually.
  • Calculator and notebook to estimate shopping value which was agreed with the customer/till operator
  • Cash? Great - straightforward and customer goes home happy with their likely cheaper shopping
  • Card? Manual Imprinter comes out and click-clack and customer goes on their merry way
  • When power is back on Cash Office manually gets authorisation for every card transaction that occurred.
  • The staff cuss out the area manager for being a nob and not letting us close the front doors.
Happened once in 18 years of retail work, lasted roughly 2 hours. Was actually kinda fun!
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That brings back memories! Back in 1996 I was working at the local Co-op and the same process was used there when there was a power cut.
 
the-evaluator said:
That brings back memories! Back in 1996 I was working at the local Co-op and the same process was used there when there was a power cut.
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Thinking of past years, am I imagining it that there a time not long ago when it was almost frowned upon for a supermarket to permit customers to buy food with a credit card?
 
Haggisman said:
Wow, have to say I'm impressed - how did they handle the whole "people walking into things in the dark" thing? Handing out torches at the entrance? :p
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The chances are the store will have emergency lighting, IIRC it's a requirement for fire safety as one of the things that is most likely to cause a fire in a retail store is a fault with the power so you need to still have enough lights to let people safely reach the exit if the power goes off/is turned off due to a fire.
Modern emergency lighting is relatively cheap, easy to maintain, and the "local" batteries don't take up much room so can be part of what looks like a normal fitting. I'd imagine it'll probably be one in however many fittings will be an emergency light that can run for a few hours, or they might have separate ones discretely placed up high. It's not got to be enough to bath the store in light, but enough to let you see reasonably well.
 
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cheesefest said:
Still 1.2m adults that don't have a bank account. How do they cope without one now? They are paying more for utilises, insurance (as many cheaper companies don't want to know about those without a bank account) etc.
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Yes but since when did the rich/torys care 1 jot about poor people? they don't, when they try and force a cashless society on us, they won't care about those 1.2m people, they will just be 'collateral damage' to them.
 
Combat squirrel said:
Yes but since when did the rich/torys care 1 jot about poor people? they don't, when they try and force a cashless society on us, they won't care about those 1.2m people, they will just be 'collateral damage' to them.
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Then they will have to get a bank account, they will be forced to function in life. If they could sort this fraud out once and for all there won't be a need to have cash. If machines don't work, then tuff. :D
 
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