Hacker News Reader

The best payment experience I've had is a credit card. It's harder to get robbed, I can pay everywhere with just a tap, I never need to remember to take out cash, tips are computed for me at my request, when I travel to many other countries I don't even need to get local currency, conversion happens automatically, and I'm not stuck with unused local currency when I leave.

View on HN

Credit cards was how this all started in Sweden. Cash usage has been going down since the late 1990s, and the Swish thing is fairly new, we still use credit cards mostly, but swish is popular for smaller establishments or temporary events and such. You cant transfer money to your friends using a CC, but swish solves that. Its basically a national, private owned, Paypal, and that is the problem. Everybody uses it. My fiancee works at a school cafeteria, and Swish is the only accepted payment method. Not even credit cards work there.

Credit cards can be used virtually. It is easier to get robbed.

All your fraudulent credit card transactions will be cancelled if this happens. Not so with cash.

Reply on news.ycombinator.com