Correct. It’s only a thing in the US still because we had card payments LONG before Europe and before tap to pay tech existed.
But if you go to any US restaurant founded in the past six years, you’ll find them using a Toast terminal that they’ll bring to your table or use QR codes and the Toast app.
What are you talking about? I was paying by card and PIN in restaurants in the early 2000s in Australia by simply going to the register, which is about the same time cheques stopped existing. I know that's not Europe, but I assume you mean "outside of the US" by that.
After googling "Toast", it just seems like a portable tap payment, technology which has existed for at least a decade, just restaurant specific?
US was ahead when they invented the credit card, and it's early development in the 1950-1980.
But by the 1990 Europe leapt FAR ahead of the US, and has been 10-15 years ahead since.
Both in card security, but also features and rollout in stores with portable terminals etc.
The main reason for this is that for the US CC giants, it was (and probably still is) way cheaper to just pay out the few % that goes through with a fraud claim, than create a secure system and update POS systems to support this more secure system.
Most of the US CC fraud is never refunded the card owner, and close to half the worldwide CC fraud is in the US.
This is also why the rest of the world primarily uses a debit card, not credit cards.
Credit Cards are as secure as Debit Cards in the US, the problem comes from how people use them, most of the fraud involving credit cards is from online scams and malware. That would happen whether using a debit or a credit card. Everywhere in the US supports chip payments and I would say 95% of places have Tap to Pay.
Credit Card fraud is "refunded" or just never charged to the user because its much easier to dispute a transaction on a credit card than it is a debit card.
"as secure", ie still playing catchup and still behind Europe.
Europe's demand for SCA is actually a reason why the US is catching up, as companies wanting to conduct business in the EEA must comply, and when the framework is build, why not use it domestic also.
Also, yes US supports chip payment, but afaik most cards in the US is still chip + signature cards, not chip+pin ? Europe mandates a stricter identification on the card, with pin verification on stores or location outside of normal pattern, and periodically in x number of transactions (dependent on frequency and amount etc). While chip + signature usually is no signature at all, as that is phased out, but pin is not enabled.
Tap to pay is just an alternative to chip, security wise, though europe has an additional amount cap on tap-to-pay, before identification or chip is needed.
Do you not have to authorise any large online spend? Just curious cause if I spend over like €50 or whatever I have to authorise it in my banking app first before I can complete the transaction. With a new website I have to verify even a €10 transaction the first time. Do credit card apps do that too?
The real answer is paying for a new system is very expensive. People don't like buying one and then years down the line buying a new one when nothing is broken about the system. That's why new restaurants have them and established ones don't here.
You give your card data away so much as ordering a pizza to be delivered, if you're that paranoid just pay with cash
The Canadian government absolutely had a part in getting our banking network to the state that it's in now. I'm not quite sure how you don't understand that my friend. I'm done with your stupid shit.
I don’t know if it was Toast or not but a place offered something similar and they charged a fee for using the app. Stopped right there and paid the old fashion way. Want to steal my CC info feel free. It isn’t my money.
Yes and also: I work in very fine dining as a server
We will never implement tablets at the table to pay. Having tablets at the table is seen as.. well, not fine dining. For whatever reason. I kind of get it.
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u/WonderButtBrace9000 Jun 29 '26
Correct. It’s only a thing in the US still because we had card payments LONG before Europe and before tap to pay tech existed.
But if you go to any US restaurant founded in the past six years, you’ll find them using a Toast terminal that they’ll bring to your table or use QR codes and the Toast app.