How do you pay for things?

[JimW]

In the before times in China it seemed to me that 99% of transactions were on phones. With that QR code authentication thing for non contactless payments. Is this still the same?

Yes, it's all by QR code which is how you can pay street vendors as they can generate a code to accept money; not sure what the threshold is for needing to get a more official paying in code, wife has one she has on a little plastic stand on her market stall.
ETA Oh, forgot what Yu_Gi_Oh says about them scanning you, which is true, but not so much out here in the sticks.

 

[cupid_stunt]

You can pay by phone now? What will they think of next?



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I only started using contactless when the plague arrived.

Pre-plague it would be cash for most purchases under £20, card for everything else, now it's mainly card, cash for cabs or tips only.

 

[Carvaged]

I try to only use cash as a small effort on my part to try and save (non-billionaire) mankind from its own shortsightedness. Unfortunately many places only accept card or other digital payments nowadays

 

[l'Otters]

I aim to pay by cash wherever possible. But occasionally I pay by card if it’s too complicated.

Have never paid directly using my phone, it doesn’t have any payment method loaded onto it & I’m planning to keep it that way.

Booked a train ticket recently where a paper ticket wasn’t an option.
Took screenshots of it so I wouldn’t need internet to get them later on.
Made sure my phone was charged up before going to the station.
Had some time to wait.
Got my phone out of my pocket to take a photo of nice view from station steps.
Can’t open bloody phone - somehow in my pocket something’s leaned on enough buttons that the phone’s decided it’s too many failed attempts to enter the passcode and the phone is disabled for 7 mins.
Turned it off, turned it back on again.
Now disabled for 15 mins.
Train in 10 mins.

Utter pain in the arse.

 

[Puddy_Tat]

before the plague, I worked on the understanding that shops etc preferred you not to pay less than about 10 quid on card.

then a lot of places have made it clear they prefer / will only take card payments - and it seems fairer to retail workers, bus drivers and so on that they don't have to handle cash. but it still seems weird to be paying for something for a quid or two with a card.

where there's a choice, i prefer to pay cash for relatively small amounts, as can see too many negatives of cash being phased out altogether and don't want to give capital / government more reason for this.

having recently changed employer, and new place has one of these employee discount schemes where you can pre-load gift cards at 5 percent (or thereabouts) off, so i'm tending to do regular food shopping on them.

as for paying for things with my phone - no.

 

[Winot]

Why don’t people like paying by phone btw?

 

[nottsgirl]

Card. Sometimes I get cash out for something in particular then I’ll use the coins up. I don’t really use my phone as card will do. The only time I’ve ever used my phone is when I lost my card and only realised in the supermarket and somehow managed to set up google pay on my phone.

Why don’t people like paying by phone btw?

Honestly, I find it too complicated. I don’t fully understand it.

 

[StoneRoad]

Cash [still] for the majority of my purchases.
Very Rarely contactless or card ...
Never phone. Mine's too dumb for that.
Sometimes Paypal or card when online [but do very little of that]

But I've not been "shopping" much in the last two years. OH has done most of it, and online tbh, because of the Plague.

e2a - I'm a bit of a dinosaur with technology anyway, and I rather dislike leaving an electronic trail regarding where I've been, or what I have been doing & purchasing.

 

[Edie]

Phone. But my cards in the back of my phone case should I ever run out of battery. I’ve not used cash for over a year. I don’t really understand why anyone would use cash unless they had to.

 

[Thora]

Card. Sometimes I get cash out for something in particular then I’ll use the coins up. I don’t really use my phone as card will do. The only time I’ve ever used my phone is when I lost my card and only realised in the supermarket and somehow managed to set up google pay on my phone.


Honestly, I find it too complicated. I don’t fully understand it.

Surely if you've already set up googlepay then you've done the complicated bit - you just use your phone like a card now and put it on the reader.

 

[Throbbing Angel]

TLDR, but, there have been a couple of mentions of not having a signal on your phone.

I didn't think you need one to pay by phone. The card's NFC data is on the phone. The terminal you pay at does all the checking.

Or what?

 

[Epona]

Why don’t people like paying by phone btw?

My phone is used for texts and as an alarm clock and little else, I don't do banking on it and I don't have a data plan, I am certainly not paying for data just so I can use it to make payments when I have a debit card and/or banknotes to do just that.

 

[farmerbarleymow]

Mix of card and cash, I don't see myself switching to phone in the forseeable future.

Same here.

Why don’t people like paying by phone btw?

I don't always take the phone with me when I go out, and there's no point in setting it up to do payments when it's easy to put my wallet in my pocket.

 

[farmerbarleymow]

I didn't think you need one to pay by phone. The card's NFC data is on the phone. The terminal you pay at does all the checking.

If it's NFC it wouldn't work on mine, unless I removed the phone from the cover. Discovered the other day that the cover blocks the NFC thing. That was the first time I'd tried to use NFC - one of my cameras has it too I think, but I've obviously never used it.

 

[Carvaged]

Hello, we at [Apple/Microsoft/HSBC/Tesco/Gubment] love our customers and are always looking out for them and are totally honest, reliable and uncorruptible. With that in mind, we have blocked your phone and disabled all your cards from making payments forever. In fact your accounts no longer exist. Please give us a call on 'we don't give a fuck, we don't answer the phone, and our computer says no anyway' system if you have a problem with this or think there has been an error. Good bye, and have a nice life.

 

[cupid_stunt]

Why don’t people like paying by phone btw?

It's rare for me to agree with the seagull loving farmerbarleymow, but like him I don't always take the phone with me when I go out, especially to pubs in the evenings, which seems to be the main place for losing or getting your phone stolen, from what mates have told be over the years.

 

[weltweit]

I pay mainly by card, and usually under the limit I use the contact thingy whatever it is called. I also carry some cash, usually £20-40

I haven't investigated paying with my phone yet.

Oldie

 

[RainbowTown]

Mix of card and cash, I don't see myself switching to phone in the forseeable future.

Same here.

I don't always take the phone with me when I go out, and there's no point in setting it up to do payments when it's easy to put my wallet in my pocket.

I'm the same. For some reason I find I can better budget my money if I pay in cash for the general day to day stuff like shopping etc, and pay by card for the more expensive one-off buys for the home, or when buying presents etc. Have no real interest in paying by phone tbh, and in fact half the time I have it switched on silent anyway when I go out, so as not to be disturbed (I do check it once or twice in case there's been an emergency call or something).

 

[manji]

Phone and card ( only have one know ) although I put off using the phone for ages.

 

[platinumsage]

Hello, we at [Apple/Microsoft/HSBC/Tesco/Gubment] love our customers and are always looking out for them and are totally honest, reliable and uncorruptible. With that in mind, we have blocked your phone and disabled all your cards from making payments forever. In fact your accounts no longer exist. Please give us a call on 'we don't give a fuck, we don't answer the phone, and our computer says no anyway' system if you have a problem with this or think there has been an error. Good bye, and have a nice life.

TBF your bank is far more likely to block your current account and refuse to give a reason, stopping you from using your card or making a cash withdrawal, it happens all the time to people.

 

[purenarcotic]

My phone is used for texts and as an alarm clock and little else, I don't do banking on it and I don't have a data plan, I am certainly not paying for data just so I can use it to make payments when I have a debit card and/or banknotes to do just that.

I don’t think you need data to use it for payment. I never have signal on the tube but use my phone to pay instead of carrying an Oyster card around.

 

[Magnus McGinty]

Phone, but then the facial recognition doesn’t work with a mask on so card again.

 

[cybershot]

Watch, phone, card, cash is my order of preference.

 

[Saunders]

Card or cash. I am old.

 

[Magnus McGinty]

Phone. But my cards in the back of my phone case should I ever run out of battery. I’ve not used cash for over a year. I don’t really understand why anyone would use cash unless they had to.

There’s some instances where I have to such as the launderette. Generally I’d rather not have change rattling about in my pocket.

 

[Epona]

I don’t think you need data to use it for payment. I never have signal on the tube but use my phone to pay instead of carrying an Oyster card around.

But why would I want to do that on my phone when my debit card does all that without needing any sort of setting up, or software or anything? What if the battery goes, or I drop it in the pub loo or break it so it stops working or something? My debit card has none of those concerns.

You can just stick me in the "am old" bracket if it makes it easier, I just don't see the point.

 

[Edie]

There’s some instances where I have to such as the launderette. Generally I’d rather not have change rattling about in my pocket.

Shopping trolley at asda for me!

 

[Biddlybee]

Shopping trolley at asda for me!

Markets and shops that still have minimum card/contactless payments too.

I use card still because my phone is so old I'm not sure it could deal with another app (one off one on)... maybe with next phone once this one has died.

 

[Magnus McGinty]

Shopping trolley at asda for me!

I don’t even use the machines in the launderette (service wash) so fuck knows why they insist on cash.

 

[Cloo]

Why don’t people like paying by phone btw?

I haven't set it up - as I said in first post I don't want to get used to it and potentially end in a situation where my ability to pay for things runs out of power or is lost/stolen!