The only place I know Google pay doesn’t work over £30 is Tesco. I haven’t carried a wallet or cash or cards since around November now. Every transaction has been Google pay.
The only issue I had was when I tried a new barber and they didn’t have a card machine yet but they were happy for me to come back the next day with the cash as they’d already done the cut!
For E-commerce, couldn’t you just tap your card on the back of your phone to pay for stuff online, surely that would bypass the need for all the extra stuff as it’s be card present…
Alot of shops only take amex as chip and pin. (ASDA)
Alot of shops even chain ones don’t take amex at all but it’s not well known they dont.
(Home bargains, Greggs, KFC)
It’s why I decided against getting one, the only places that take it that I use are supermarkets, petrol stations and McDonald’s.
Plus Amazon and that.
Is their interchange fee not subject to the 0.3% cap due to them issuing their own cards.
I personally have no issues with using my Amex at places i shop - plus if a place doesn’t accept it i just remember not to shop there.
The benefits i get of using the card, gaining air miles and using those for upgrades and tickets in general are great so definitely worth it for me and a lot of people.
The funny thing is that loads of small shops accept it and its usually the midrange/large company that doesn’t accept it, which is fine because it means i can support more of my local stuff or i just go to a shop that accepts it.
Just something tiny I’ve noticed at work, the VISA limit is <£45, whereas the Mastercard (therefore Monzo) limit is <=£45, oh the joys of having to read EMV Kernel specifications! Found out the annoying way paying for something with my VISA credit card as well…