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Contactless cards did exist here in the US a number of years ago. I had one from Chase. Then around 2014 when it expired, the replacement card did not have cont

by dnlbyl 10y ago

Contactless cards did exist here in the US a number of years ago. I had one from Chase. Then around 2014 when it expired, the replacement card did not have contactless payment anymore. According to this article it was simply a lack of demand: http://www.digitaltransactions.net/news/story/Chase-To-Discontinue-Its-Blink-Contactless-Card_-But-It_s-Unlikely-To-Slow-EMV-Migration http://www.digitaltransactions.net/news/story/Chase-To-Disco...

tomp 10y ago
My experience from the US is... interesting. I tapped-and-paid $700 (not a typo) when visiting NY... and American Express had no idea I was in the US (unless they cooperate with US Border Controll). In the UK, I'm limited to 30 GBP.
- dandandan 10y ago
  Did you buy the ticket with your American Express card? The data transmitted by the merchant (airline) includes some basic itinerary information.
  - tedmiston 10y ago
    That would be awesome if the CC provider automatically created a travel notification for you upon booking.
    - lostlogin 10y ago
      The next few decades of adverts that I couldn't unsubscribe from would be less than awesome though.
    - tjohns 10y ago
      Some do. Many airlines transmit level 3 purchase data as part of the credit card transaction, which will contain your complete itinerary -- which can be fed into the bank's risk system.
    - saryant 10y ago
      Amex already takes this into account.
  - tomp 10y ago
    No, I haven't, that's exactly the point! And I think that's the first transaction I've made in the US..
zippergz 10y ago
You can still get contactless cards from Amex at least (I'm not sure about Chase). But you have to specifically request them (and hope you can find a CS rep who knows what you're asking for). I think it's a bit of a chicken and egg thing - it's hard to get a true measure of demand when people don't even know it's a possibility...
knz 10y ago
Lack of demand or lack of interest from the banks to invest in the technology/security? I'd love to know why the US adopted "Chip and Signature" rather than "Chip and Pin". Requiring a signature is essentially worthless. My understanding was that it was a combination of US customers not being familiar with using a PIN and concern over where the liability lies if fraud occurs (the assumption being that if someone uses a PIN then the card owner gave them the PIN).
- mjevans 10y ago
  My guess is that the signature thing probably carries more weight as a contract for payment owed; and if that's not actually true it still feels true enough to make it more of a comfort to the retailers/customers.
- Amezarak 10y ago
  I don't think chip and signature is a requirement - most places seem to ask for a PIN rather than a signature. Just swiping the card, however, also works just fine and I now use it everywhere again because I can't be bothered to remember and type in yet another passcode. Just more friction in the process.
  - phil21 10y ago
    > most places seem to ask for a PIN rather than a signature That is for debit, which is an entirely different thing than credit. There are no US banks that implement Chip & PIN. Heck, it's nearly impossible to get a Chip & PIN capable card for travel if you have a US issuing bank. Swipe support will in theory eventually be disabled (e.g. authorizations declined by your issuing bank) at some point in the future when Chip & Signature is being rolled out. If you're typing your PIN code into a terminal in the US, you are using debit though.
    - Amezarak 10y ago
      I only ever use a credit card, so I'm not sure that's true. Or can you debit a credit card?
donatj 10y ago
I had one from Wells Fargo and was pretty sad when my new card didn't have it. I used to love to pay for things without taking my card out of my wallet.
pbhjpbhj 10y ago
That doesn't make sense, adding the contactless facility mustn't cost more than pennies. As a store owner contactless saves a lot of friction and time at check out. Once the transaction is processed on the terminal surely the whole system upstream is identical.

by dnlbyl 10y ago

tomp 10y ago

My experience from the US is... interesting. I tapped-and-paid $700 (not a typo) when visiting NY... and American Express had no idea I was in the US (unless they cooperate with US Border Controll). In the UK, I'm limited to 30 GBP.

dandandan 10y ago
Did you buy the ticket with your American Express card? The data transmitted by the merchant (airline) includes some basic itinerary information.
- tedmiston 10y ago
  That would be awesome if the CC provider automatically created a travel notification for you upon booking.
  - lostlogin 10y ago
    The next few decades of adverts that I couldn't unsubscribe from would be less than awesome though.
  - tjohns 10y ago
    Some do. Many airlines transmit level 3 purchase data as part of the credit card transaction, which will contain your complete itinerary -- which can be fed into the bank's risk system.
  - saryant 10y ago
    Amex already takes this into account.
- tomp 10y ago
  No, I haven't, that's exactly the point! And I think that's the first transaction I've made in the US..

zippergz 10y ago

You can still get contactless cards from Amex at least (I'm not sure about Chase). But you have to specifically request them (and hope you can find a CS rep who knows what you're asking for). I think it's a bit of a chicken and egg thing - it's hard to get a true measure of demand when people don't even know it's a possibility...

knz 10y ago

Lack of demand or lack of interest from the banks to invest in the technology/security? I'd love to know why the US adopted "Chip and Signature" rather than "Chip and Pin". Requiring a signature is essentially worthless. My understanding was that it was a combination of US customers not being familiar with using a PIN and concern over where the liability lies if fraud occurs (the assumption being that if someone uses a PIN then the card owner gave them the PIN).

mjevans 10y ago
My guess is that the signature thing probably carries more weight as a contract for payment owed; and if that's not actually true it still feels true enough to make it more of a comfort to the retailers/customers.
Amezarak 10y ago
I don't think chip and signature is a requirement - most places seem to ask for a PIN rather than a signature. Just swiping the card, however, also works just fine and I now use it everywhere again because I can't be bothered to remember and type in yet another passcode. Just more friction in the process.
- phil21 10y ago
  > most places seem to ask for a PIN rather than a signature That is for debit, which is an entirely different thing than credit. There are no US banks that implement Chip & PIN. Heck, it's nearly impossible to get a Chip & PIN capable card for travel if you have a US issuing bank. Swipe support will in theory eventually be disabled (e.g. authorizations declined by your issuing bank) at some point in the future when Chip & Signature is being rolled out. If you're typing your PIN code into a terminal in the US, you are using debit though.
  - Amezarak 10y ago
    I only ever use a credit card, so I'm not sure that's true. Or can you debit a credit card?

donatj 10y ago

I had one from Wells Fargo and was pretty sad when my new card didn't have it. I used to love to pay for things without taking my card out of my wallet.

pbhjpbhj 10y ago

That doesn't make sense, adding the contactless facility mustn't cost more than pennies. As a store owner contactless saves a lot of friction and time at check out. Once the transaction is processed on the terminal surely the whole system upstream is identical.