Do many people still use physical cards?

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62

Apart from cash, I only use physical cards. It still seems much quicker and easier than a phone.

Can you do cash refunds and transactions with a debit card under Google Pay?

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63

I sometimes use Metal cards (but mostly Apple Pay).

64

Not following why this is any more the case for Apple than Google?

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65

2.4 avios per clubcard point tho!

66

Apple has been open about tokenising purchases, they donā€™t need that data for their business.

Google will use where you purchased and what for advertising.

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67

Ah, I wasnā€™t aware. Thanks!

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68

Yea Iā€™m sticking with mobile wallets - trust that more than using the physical card in different places :man_shrugging:t2:

69

Itā€™s a lot more complex than that of course, but thatā€™s the basic crux of each approach as I understand it.

70

I mainly just use cards. Not everywhere has apple pay either so I just stick to the card

71

In a normal month the only time I use my physical card is to take out cash for the barbers, which doesnā€™t accept card.

For everything else itā€™s Apple Pay. Canā€™t remember the last time I came across a card machine that didnā€™t accept Apple Pay. I canā€™t actually remember the last time I used my physical card for a transaction aside from cash withdrawals. Must be at least a couple of months.

I like being able to go out with only my phone and keys and nothing else in my pockets.

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72

Cards all the time unless itā€™s the very rare occasion that Iā€™ve gone to the supermarket and left the wallet at home or in the car.

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73

Not anymore you donā€™t! :wink:

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74

Very much so ā€“ not all retailers / terminals are set up for phone / Apple Pay - local Post Office being a case in point, just as well had physical wallet with physical card(s). So there is always that lottery when you head out armed only with a phone that it wonā€™t be enough to pay for your coffee / lunch - Iā€™ve even been known to check on entering somewhere that it takes contactless before ordering :slight_smile:

76

Exactly this.

I always have the phone with me but never pay with it unless itā€™s the only option.

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77

If they donā€™t take contactless then itā€™s laziness on their part and Iā€™d take my business elsewhere. There is no excuse to not have a contactless compatible card reader in 2019.

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78

I should have said that the amount was over Ā£30 - although some will still process that with Apple Pay and additional authentication. I think youā€™re being a bit draconian - most say lunch stops around here have contactless, but quite possibly some donā€™t and thereā€™s not as much choice as there is in more urban areas. Fine to waltz out and take your business elsewhere but if youā€™re starving and need lunch, itā€™s a bit OTT ā€¦

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79

Yes there is.

80

Not a good one though, the technology has been around for a very long time now in the UK and it just makes you look out of touch and like you donā€™t care about the customers convenience at all if you donā€™t have one.

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81

Mastercard own Vocalink, who operate the LINK ATM network, Faster Payments, BACS and the Cheque and Credit Clearing System.

So if you want to avoid Mastercard and Visa, youā€™ll need to send your money about exclusively through CHAPS and withdraw it at a bank counter.

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82

Thereā€™s a baguette shop in Barrow that doesnā€™t take card at all. I quite like it in there, and I use it despite needing to take cash out just for it. I make my consternation known why Iā€™m paying.

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