Make a scannable email address to get a paperless receipt – Barcodely

Aside: a frustration of mine is that the chips take so long to verify for artificial reasons of security theater. Because American banks are too lazy to manage PINs and consumers too lazy to want to punch in PINs, which essentially are a necessary user salt to the process, the systems just request two hashes instead, wanting about a minute in between to make sure the wall clock time is different.

Just like everywhere else, American Banks don't understand two factor authentication and would rather just check the same factor twice for the appearance of security rather than actual security. The sad irony being that the lazy wait for wall clock time solution is slower than punching in a PIN would be.