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Comment by xupybd | Hacker News Reader

Wow what country still uses cheques? Most stores won't take them anymore, here in New Zealand.

Unsure if it's totally related to cheque acceptance, but as I understand it NZ fares much better in the card payments realm because of EFTPOS [1] adoption. EFTPOS in NZ is independent of MasterCard/Visa/other credit card companies (but processes transactions for them). For a very long time in NZ bank-issued debit cards on the EFTPOS network have required PIN identification. The cost to a merchant of accepting a bank-issued (read: not MasterCard/Visa/Amex/Diners etc.) debit card on the NZ EFTPOS network is much lower than the cost of accepting a card from one of the big credit card companies. I presume this is because fraud is lower as card-not-present transactions are not allowed. I further presume this is the reason for the far greater rate of acceptance of card payments in NZ than in any other country I've visited.

I thought cheque books were a relic of the past until moving to the UK.

[1] https://en.wikipedia.org/wiki/EFTPOS

France, the US, among others.

First thing I got when I moved to France (admittedly 12 years ago) was a checkbook. Hadn't heard of them since the 80s in Sweden.

In France they are still very common. In particular, checks cannot be refused by members of small-enterprise associations recognized by the fiscal authority.

Still widely used in the the UK for person-to-person transactions. Also for paying single-person businesses like plumbers, painters, etc. Almost all shops and larger businesses refuse to accept them.

Widely? I'm pretty sure that it's one of the least used methods for person to person transactions in the UK. If I had to guess I would put Cash, Faster Payment/BACS, and PayM (the mobile number thing) as more commonly used these days.

I used to pay my milkman with a cheque, but he's online now.

Grandparents sending money to kids and grandchildren is pro ably their number one use.

Israel, for long-term monthly payments, mostly rent. Thanks to checks, I pay rent every month, but see my landlord once a year.

I pay monthly rent but see my landlord once a year too, but because of internet banking :)

If local banking market wasn't under oligopoly of a couple of banks who lock down regulation to forbid any new competitors, it would've happen a long time ago :( Sadly, although the start-up scene here is second only to SV, all of them are targeting world markets first, local just isn't big enough to grow.

Italy as well, even if with more and more restrictions and difficulties.

While no stores take checks here in the US either, it's far more common to use for settling personal debts. Also, many utility bills are most commonly paid by check here as well (for those who don't pay online), as people do not mail cash.

If you haven't been stuck in queue behind a check-writer recently, presumably someone else does your in-store shopping for you. Or maybe you only shop late at night, after the old ladies have gone to bed? That demographic just loves to write checks, and most USA stores accommodate that preference.

I can't think of any stores in the US that don't take checks.

Most major retailers (e.g. WalMart) have electronic check acceptance, where they scan the check, print all the details on it, then hand it back to you. It's faster than a debit card, if a bit awkward at first.

> While no stores take checks here in the US either

My mother still routinely pays for nearly everything (groceries, pizza, hardware, etc.) using personal checks. She lives in a small town though.

I probably should've specified 'most'.

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