This is a UX problem. Most places here have $100 limits to minimize fraud fallout. But the interfaces still offer tap-to-pay regardless, which feels like something software should fix. (Just don’t present the tap-to-pay prompt when over the vendor limit).https://twitter.com/pasquires/status/1111672103059841024 …
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Replying to @reneritchie
How does that minimize fraud? That’s never made sense to me.
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Replying to @DanVPeterson
If you drop your card, someone picks it up and starts tapping with it, they can’t buy like TVs and cars and stuff :)
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Replying to @reneritchie @DanVPeterson
Folks, this is precisely why Apple Pay and one-time use of NFC based PANs are profound. Beyond just an open NFC tap or an EMV PIN, Apple Pay reduces a multitude of fraud profiles. From Touch/Face ID to new SiriAI internal differential privacy based use profiles = less fraud.
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Replying to @BrianRoemmele @DanVPeterson
American Express gets it. No limit on Apple Pay. Why I’ve defaulted to them now.
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Replying to @reneritchie @DanVPeterson
Rene, yes! Same here. It seems that it take so long for bankers to fully understand that a PIN or signature is fully not enough.
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I always ask if they support Apple Pay simply because it is more secure. See Target/Marriott/Macy’s/Delta/etc.
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Daniel, yes. Exactly. The thing is the chain is only as strong as the least prepared link, that link is usually a part time employee that has not full been trained or forgot. With @PayFinders I have data from 100000s of users and locations where this was the case. A big issue.
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