I’ve seen the future of mobile payments, and it’s in London

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<br>Mobile payments on vending machines are easy. Other places aren’t so much.<br>
CNET

I pull out my phone. I tap it to the terminal. I’m told I can’t use it, I have to use a credit card. I apologize, reach for my wallet. I feel like an idiot. This is me making payments in 2017. <br>I don’t use my phone to pay for things all that much. Or, my watch. I use my credit card. This isn’t because I don’t trust my phone or my watch. It’s because I know, at least half the time, that depending where I am they won’t work. <br><br>And yet, I recently experienced a world where it did work, pretty much all the time.  <br><br>I was on vacation for two weeks with my family earlier this year. If you cherished this report and you would like to obtain more info relating to รูเล็ตออนไลน์ kindly pay a visit to our own webpage. I didn’t expect to use my watch to pay for things as much as I did, but that’s what ended up happening. It started as an experiment: would it be easy to pay at Costa Coffee with my ? Then I went to WHSmiths, a bookstore chain. And I realized the tapas restaurant accepted it. And the museum. And London’s Underground. And, basically, everywhere I went. <br><br>Coming back to America, I’m disappointed. There’s just not as many opportunities to use it. And it’s the reason the US still has a lot of catching up to do when it comes to mobile payments. <br>

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Mobile payments are a mess. Here’s why

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In the UK, it’s everywhere <br>I traveled in southwest England and in London, and contactless payment is basically everywhere. It’s everywhere because it basically works as an add-on to relatively newer chip-and-pin credit card payments. I used everywhere, but there were plenty of Android Pay signs, too. <br><br>The US has adopted this a lot more slowly, despite promises otherwise, because plenty of people still have older swipe-style credit cards. <br><br>In the US, it also gets a lot uglier because the terminals always seem half-broken… or disabled. I walked to a Pret for a banana and, of course, I couldn’t pay with Apple Pay. The staff told me to just swipe my credit card. Now I felt embarrassed wasting everyone’s time trying to use my watch in the first place. <br><br>The UK’s made for contactless payments, and right now the US isn’t. Not to the same degree. Over here, I’m sometimes tapping, sometimes chip-inserting, sometimes swiping and sometimes using QR codes (my terrible New Jersey Transit mobile app for tickets, for instance). And, while many wearables like and Garmin
are adding mobile payments, too, those services work with far fewer banks than long-established players like Apple Pay, Android Pay and . <br> Easier for a traveler, if it all works <br>When I was overseas, using contactless had its advantages: no signatures needed and a smoother transaction than using a physical credit card. Every time I put my chip-enabled US credit card in a UK credit card terminal, I still need to sign — and I usually end up having my card inspected. For getting a coffee, it was easier to just do a quick tap. <br><br>It helped avoid using cash, and paying for more ATM fees. In the UK, cash gets particularly rough: lots of coins accumulate fast leading to heavy pockets. And my US credit cards usually involve extra signatures and unique treatments than the average UK-resident credit card. <br>

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