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Re:Australia’s new real-time banking payments platform by bloodorange on Tuesday February 13, 2018 @04:28AM (#16365845)
I'll be off topic I'm afraid but I did want to share my perspective on this. I've lived in two cultures - one where people split the bill and one where one person just pays for it and someone else does the next time and so on. I much prefer the latter approach and among well meaning people, it is hassle free. I believe this is so because on the long run, the differences don't add up to much.

I think, in some way, for me, it "shows more acceptance". I noticed that in the "split accurately" way, the greater resistance was not to pay for it but to have someone else pay for it - which in a way is disallowing someone from doing something small for you at that point of time. I dealt with this by proposing that the other person(s) could do it the next time etc. Some would find the proposal acceptable, some wouldn't.

I found that when I "converted" people this way, it led to a more relaxed setting. Perhaps it was a problem with me - finding it difficult to accept money from friends for just a cup of coffee or a meal. For me that meant the relationship was not important and the 'book had to be closed and made to add up'...

Of course, ultimately, these are only anecdotes - make of it what you will.

(Ninja EDIT: Minor clarification)

Re:Australia’s new real-time banking payments platform by alkonaut on Tuesday February 13, 2018 @10:04AM (#16367605)
If you split and the next person pays the next time there is an assumption that it will likely happen again. If it’s a group of people that aren’t close friends it’s very convenient to not have to worry about that.

I wouldn’t swish my friend for getting a beer or coffee but if we were 4 and had a dinner bill for €300 I probably would.

Re:Australia’s new real-time banking payments platform by woobar on Tuesday February 13, 2018 @11:27AM (#16368326)
I am still confused, can't the restaurant personnel take care of this? In my life wait stuff is capable of parsing following requests:

- bring me my check, pls

- bring me the check, pls. And I pay for these two bozos (out of a bigger group)

- I'll cover everyone today.

- split it x-ways, pls.

Why do I need to add an extra step to consolidate the bill afterwards?

Re:Australia’s new real-time banking payments platform by alkonaut on Tuesday February 13, 2018 @12:08PM (#16368721)
They will do that, but it's cumbersome I think, especially if you had a large group ordering a lot of different things. And even more so if there was drinking involved. Now I just charge it to my card, snap a pic with my phone of the receipt and send to everyone at the table, and they can just swish the money over the next day or on the train home when they have time to deal with it. Keeps the accounting out of a fun night out.

Also it's easy to join a group that already have a table/tab in a bar for example, and leave before the tab is to be settled. You just say "I'm leaving, who do I swish money for 2 pints?" (Where you'd normally leave some cash on the table).

Re:Australia’s new real-time banking payments platform by woobar on Tuesday February 13, 2018 @02:03PM (#16369758)
But they are supposed to account for your orders and not just bill you out of thin air, right? So what is so cumbersome of keeping track of the orders. It is literally biggest part of their job - taking an order and remembering correctly who ordered what.
Re:Australia’s new real-time banking payments platform by alkonaut on Tuesday February 13, 2018 @02:20PM (#16369885)
Perhaps, but if I said to staff we wanted to pay individually, he’d simply ask everyone “ok what on this receipt did YOU have?”. They might have a vague idea since they took the orders earlier, but it would still be a slow and cumbersome process. I think even paying in the simplest and quickest way possible (all on one card) is more of a hassle than I’d like.

So yes, the staff can do it. But I don’t mind summing up my stuff on the receipt and just sending money to whoever paid, and the reason I prefer it is because it’s so much quicker when paying (the hassle takes place at a different time and place).

It’s not uncommon to be served by 2 or 3 different people who of course remember who orders an extra beer when they go get it - but that information isn’t recorded, it’s just registered to the receipt on the table. When the bill is brought to the table I think it’s more common than not that the person bringing it did not serve everything on the receipt so would not be able to split the bill without input from the customers.

Re:Australia’s new real-time banking payments platform by optimuspaul on Tuesday February 13, 2018 @02:44PM (#16370071)
Do you think they just do this all in their heads?

It's not cumbersome at all, they have POS systems that track individuals at tables, not whole tickets. The server inputs for the table as well as which chair they are sitting in. Then it is very easy to split a ticket in a variety of ways. I think you are complicating the process in your mind or you frequent places that don't use technology.

Re:Australia’s new real-time banking payments platform by alkonaut on Tuesday February 13, 2018 @03:21PM (#16370384)
> I think you are complicating the process in your mind or you frequent places that don't use technology.

I think it varies, that kind of tech would only benefit a regular sit-down restaurants where the chairs are in fixed spots and constant. It doesn't work for a busy bar with me shouting "3 more beers" as the waiter walks by.

I assume the same or similar POS tech is used everywhere but in most places here I assume waiting staff either ignore it or charge everything to "chair 1" at the table, simply because so very very few ever split a bill to who ordered it. Since no one does, it's less work taking the hit when someone does (and asking people manually) rather than assigning orders to chairs all those times when no one splits. Obviously, that would also change if more people would split - so I'm guessing that with tech for splitting bills without staff help so prevalent here, it won't be common to have staff split bills.

Re:Australia’s new real-time banking payments platform by optimuspaul on Tuesday February 13, 2018 @04:52PM (#16371154)
right on. I don't really go to busy bars (or bars when they are busy, crowds don't work for me at all) so I can't relate. When I was younger and did go to bars that were busy starting a tab wasn't really a thing, you paid for you drink when it came.
Re:Australia’s new real-time banking payments platform by andrewf on Tuesday February 13, 2018 @04:22PM (#16370905)
US waiters probably don't have time for this.. they're too busy providing good service by running around asking "How's your meal? Everything good?" every 45 seconds.

Getting caught in the middle of billing disputes wouldn't be fun either. Easier to just require someone pay the whole thing.

Re:Australia’s new real-time banking payments platform by ghaff on Tuesday February 13, 2018 @11:48AM (#16368539)
In my experience in the US, many restaurants don't want to deal with complicated splitting up of the bill. Most will allow for two-way splits but beyond that, many will be reluctant or outright refuse.
Re:Australia’s new real-time banking payments platform by woobar on Tuesday February 13, 2018 @02:06PM (#16369781)
It's all anekdata, but I never had this problem in US restaurants. Even at bigger gatherings when kids will sit together with other kids at the other end of a table, it is never a problem to pay for your spouse and that kid in a red shirt. After all, that's why they charge mandatory tips on bigger parties.
Re:Australia’s new real-time banking payments platform by icebraining on Tuesday February 13, 2018 @08:27AM (#16366931)
In the subculture I come from, splitting is the typical method, because many can't afford to just pay for everyone without risking going out of money before the next paycheck.
Re:Australia’s new real-time banking payments platform by bloodorange on Tuesday February 13, 2018 @09:48AM (#16367479)
Agreed. I have experienced this when I had cashflow problems. I do not dare claim that either of the approaches has its own issues. I just stated how I felt about both ways of doing things and why I preferred one over the other.
Re:Australia’s new real-time banking payments platform by rco8786 on Tuesday February 13, 2018 @07:54AM (#16366742)
I’m gonna guess that the non-splitting country has a much flatter distribution of wealth?
Re:Australia’s new real-time banking payments platform by bloodorange on Tuesday February 13, 2018 @09:50AM (#16367491)
Interesting.

You are right indeed but might I ask how you made this connection? I never thought of it this way. One reason for it is probably that between my friends and me, there wasn't much disparity in income/wealth at the time when I was fortunate enough to be able to spend time with them regularly.

Re:Australia’s new real-time banking payments platform by rco8786 on Tuesday February 13, 2018 @11:31AM (#16368366)
When people generally have less income disparity, their lifestyles will be more or less the same, and over time a culture of "well we spend about the same amount so let's just split it" can arise.

In other places (like the US), some people can be very conscious about how much they're spending because it's a significant portion of their income. You wouldn't want to split the check when you had a $10 salad to save money and a tablemate had the $50 filet and 2 $10 glasses of wine.