Even worse, I think, is the proliferation of mobile app payments. Where you have to download the specific app for the business. (Burger King is IMO the worst offender - you cannot order in their app, but you can pay in it, so rather than support NFC and not wasting 50MB of space on my phone they make me download their proprietary junk and reenter my card info again just to avoid having to swipe the card...)
You have got to be kidding. Handing my card over to someone who disappears off with it? Those bloody awful faux-pens to sign on an LCD? That's your idea of easy to use?
Paying for things in the US feels like the stone ages.
But the sweet spot of <$50 transactions that require neither PIN nor signature (admittedly, this depends on the retailer) is really quick and easy. It is certainly much quicker than pulling out my phone and fiddling with the poor feedback in Android Pay.
Does this bother you? If your system can't handle this scenario then it is flawed.
>Those bloody awful faux-pens to sign on an LCD?
Not required in lots of locations unless it exceeds some value.
>That's your idea of easy to use?
Yes, I put a card in a machine, wait 5-10 seconds, and take it out. Done.
In a sit-down restaurant, the waiter drops off the check towards the end of the meal. I put my card in the holder and he grabs it and returns with a receipt to sign and write a tip amount. Not quite as fast as the waiters who have payment processors they walk around with like in Europe, but close.
Trust me, living here feels that way too, except everyone is at pains to tell you that it's the greatest in the world. And don't get sick!
I have only managed to use Android Pay a couple of times and the store that I did that with has removed it since then.
When it works, it is approximately the same level of annoyance as a credit card. When it fails, it is so much worse. I just don't see it taking off here in its current form.