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Comment by welder | Hacker News Reader

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welder·

Nobody uses physical cards anymore... even my kids pay with their toy watch when playing restaurant

Edit: Tap pay is ubiquitous in the EU

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Absolutely not true. Some places still don’t even take tap to pay and still use chip.

Yes - for example, Home Depot does not take tap payments yet.

This is something I find so fascinating about the American financial system... Home Depot in Canada has taken tap payments and Apple Pay for a long time now.

Yeah Home Depot is a bizarre exception, AFAIK they signed a contract with PayPal at some point long ago that prevents them from accepting tap-to-pay. Their checkouts have all the hardware for tap-to-pay, but contractually they can't turn it on.

Hopefully that contract ends soon, because wow did they shoot themselves in the foot on that one.

Home Depot only exists in the USA. I was talking about EU where tap is everywhere.

They're in Canada and Mexico too.

Is that in the US? Europe hasn't used the magnetic strip on cards for years. It's all chip based and those payment terminals all take NFC / Apple Pay.

It would be suicide for a shop not to take it, I know many people that don't carry their bank card at all. Only their phone for Apple pay.

Fun fact: In China, most people don't carry a wallet anymore. It's all on the phone.

You don’t have to go to China. I live and work in the UK and use Apple Pay for everything. I haven’t carried a wallet in years.

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