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Anyone using their phone for NFC payments yet?


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Old 05-05-2013, 03:38
Stiggles
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Hmm bit of a daft idea that since you need a silly looking cover on the phone to make it work since the iphone doesn't have NFC!!

They could have least trialled it with a phone that has the capability built in...
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Old 05-05-2013, 03:41
Stiggles
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Nope, I doubt i ever will even when I can or use a NFC debit card either.

Cash is best, certainly after today, i decided to get a couple of bits after work, put my card in to pay for it, realised I stuck it in back to front took it out and the whole checkout just stopped. they had to reset the thing. Next time cash.
Nonsense!!

Either sheer coincidence or it just didn't happen.
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Old 05-05-2013, 05:10
Iqoniq
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My phone (Galaxy S3) supports NFC, but none of the bank accounts do so using NFC is a moot point. I'd probably use it if I actually could, though.
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Old 05-05-2013, 10:18
noise747
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If you put the card in back to front the card won't be recognised, it certainly won't shut down a till.
Nonsense!!

Either sheer coincidence or it just didn't happen.

Well it certainly recognised something was there because the on the display was please reinsert your card and that was the last thing it said before the reset.

The poor bloke was at the end of his shift as well, still superviser sorted it out at the end, two people behind me, the one directly behind me stayed and waited and the other one went to another checkout.

it may have been coincidence, but it is still a pain, took 5 minutes for that thing to reboot, they really should stop using windows 2000, something I did not know until I looked at the screen when it was rebooting. Amazing i have been working there for over 6 years and I never noticed that, but then i don't work on checkouts.

i normally pay by cash anyway, I just did not have enough one at the time as I decided to get a jar of coffee for work and that put me over what i had in my pocket.

Cash is still better,
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Old 05-05-2013, 10:22
noise747
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I've got a phone with NFC capabilties (S3 mini) but I wasn't aware that the actual payment services were avaliable in this country yet. The guy in the shop said 'later this year'.
It is taking a long time for NFC to catch on in this country, banks don't seem to be that bothered about it and other companies don't seem to be paying for the terminals.

I seen them in Weatherspoons and Nero and that is it so far, they may have them in Mcdonalds, but I have not been there for years.

I don't think any of our supermarkets have them, which I thought they would certainly on the selfscan, but saying that I tend to stay away from selfscans.

i have not seen the sign on the ones in Tescos, Sainsburys or Morrisons.

I expect it will come at some point, but to be honest I don't trust this NFC, mine is switched off on my phone.
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Old 05-05-2013, 10:32
davidmcn
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I don't think any of our supermarkets have them, which I thought they would certainly on the selfscan, but saying that I tend to stay away from selfscans.

i have not seen the sign on the ones in Tescos, Sainsburys or Morrisons.
First time I noticed it as an option at Tesco was only yesterday, and only other place I've spotted it is M&S.
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Old 05-05-2013, 11:42
noise747
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First time I noticed it as an option at Tesco was only yesterday, and only other place I've spotted it is M&S.
I went into Tescos on Friday with a mate of mine, he used the self scan, I did not notice a logo for NFC, but then i did not really look. No idea about M&S, not been in ours for a few months.
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Old 05-05-2013, 12:11
Stiggles
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Well it certainly recognised something was there because the on the display was please reinsert your card and that was the last thing it said before the reset.

The poor bloke was at the end of his shift as well, still superviser sorted it out at the end, two people behind me, the one directly behind me stayed and waited and the other one went to another checkout.

it may have been coincidence, but it is still a pain, took 5 minutes for that thing to reboot, they really should stop using windows 2000, something I did not know until I looked at the screen when it was rebooting. Amazing i have been working there for over 6 years and I never noticed that, but then i don't work on checkouts.

i normally pay by cash anyway, I just did not have enough one at the time as I decided to get a jar of coffee for work and that put me over what i had in my pocket.

Cash is still better,
A card reader always says insert your card when the cashier enables it. It wont know there was anything there since the chip from the card isn't in contact with the reader. The card reader will not recognise plastic and even if it did, it wouldn't crash a complete till system. Simply not possible. So again, sheer coincidence or didn't happen.

You hate new tech anyway so i can see why you are making things up to show cash is better. Cash simply isnt better.
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Old 05-05-2013, 13:56
noise747
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A card reader always says insert your card when the cashier enables it. It wont know there was anything there since the chip from the card isn't in contact with the reader. The card reader will not recognise plastic and even if it did, it wouldn't crash a complete till system. Simply not possible. So again, sheer coincidence or didn't happen.

You hate new tech anyway so i can see why you are making things up to show cash is better. Cash simply isnt better.
I am not making anything up, no need to, the card reader may recognise that something is in it, just like a cash machine will, you put a card in back to front or upside down in a cash machine and it will be returned.

I presumed there have to be something to tell the cashier that a card is inserted and as I said, the machine told me to reinsert the card. i don't work on checkouts, but a mate of mine does, so I can ask him later when he gets home from work.

I tend to stay as far away as knowing stuff about checkouts as I can, otherwise they will have the idea of training me I reallly feel for them now since they have to remember so much.

Anyway, as you said, the crash was coincidental, probably, they do crash now and again after all they are windows based and it is only a computer at the end of the day. But what a coincidence.

i still think cash is better, not just because of that but because if it is in my hand i know what I have got to spend, if someone took a tenner from me then all I have lost is a tenner. If someone took my card, they could take a lot more, I know since chip and pin arrived things are more secure, but then they going to undo that with NFC.

I been told that any theft will be covered, but for how long? the only reason it is being done now is to try and get people to use them.

As for new technology, i am not against new technology if it have a purpose, don't have security problems and if it makes things easier.

I was against new technology then why do i have a smart phone, why do I have a Ps3? Ok that is not new now, but it was when i had it. SSD drives are still pretty new and as soon as the price was more affordable I got one.
Halogen ovens was pretty new technology when I had mine, ebooks are pretty new.

So if i did not like new technology, I would just be sat in a house with a radio and maybe a Tv, oh no i would not because I don't like new technology, so since TV is digital only that would be out.

The fact that I don't watch TV as such is not the the point. oh yes, netfliks, pretty new, how many people have all the Tv entertainment online?


i admit, i like some of the older technology because they work better than some of the newer stuff.
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Old 09-05-2013, 10:19
alanwarwic
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I don't think any banks in the UK support it yet.
I think both my Visa credit and debit cards are NFC.

http://www.theregister.co.uk/2013/05...and_s_bonking/

So at M&S Finsbury Pavement 33% of purchases are by NFC.
A 'fast food' store no doubt.
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Old 09-05-2013, 10:35
boksbox
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It is taking a long time for NFC to catch on in this country, banks don't seem to be that bothered about it and other companies don't seem to be paying for the terminals.

I seen them in Weatherspoons and Nero and that is it so far, they may have them in Mcdonalds, but I have not been there for years.

I don't think any of our supermarkets have them, which I thought they would certainly on the selfscan, but saying that I tend to stay away from selfscans.

i have not seen the sign on the ones in Tescos, Sainsburys or Morrisons.

I expect it will come at some point, but to be honest I don't trust this NFC, mine is switched off on my phone.
May never happen unless all phone manufacturers agree to support the same standard, which is not he case right now
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Old 09-05-2013, 12:08
TrollHunter
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I've trialled a contactless payment from Vodafone called 'Smart Pass'. There are a number of stores that can be used but the security leaves a lot to be desired. I managed to lock myself out of my account by putting in the wrong password and to reset it I was required to email Vodafone a copy of the bank card I use to top up the Smart Pass - front and back, so the card number AND 3 digit code on the bank.

Hardly what I'd call secure.

So I didn't bother.
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Old 09-05-2013, 21:38
noise747
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May never happen unless all phone manufacturers agree to support the same standard, which is not he case right now
if it takes as long as NFC cards seem to be taking it could take another 50 years.
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Old 09-05-2013, 21:42
vinba
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I've used contactless for payments quite a few times now for buying stuff under 20. I've never been asked to verify the payment with a pin so I'm a bit worried that if it's stolen that someone will be able to go on a spending spree albeit for many small amounts.

NFC on phones is in it's infancy in this country. I don't think there's an accepted set standard. I do know that google are pushing 'Google Wallet'
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Old 09-05-2013, 22:07
paulbrock
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May never happen unless all phone manufacturers agree to support the same standard, which is not he case right now
NFC *is* the standard isn't it?

The phone manufacturers have an agreed standard, unfortunately the banks haven't got their act together wrt mobile payments.
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Old 09-05-2013, 22:42
noise747
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just been reading this on Sky news website

If it takes off it could be the start of NFc payments on mobile phones, if you want to use it, but I don't thing it will come to any thing to be honest

i will certainly not trust it anyway
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Old 09-05-2013, 22:51
paulbrock
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something that jumped out of that article for me

The contactless payment market as a whole has yet to take off, with only 6% of people in the UK having made such a transaction with a credit or debit card.
I bet around 5% of those are in London. Definitely a disparity in people's experiences based on posts here.
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Old 09-05-2013, 22:53
Stiggles
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just been reading this on Sky news website

If it takes off it could be the start of NFc payments on mobile phones, if you want to use it, but I don't thing it will come to any thing to be honest

i will certainly not trust it anyway
But you don't trust or like any new tech. You see advancements as some sort of devil.

Anyway, why wouldn't you trust it?
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Old 09-05-2013, 22:57
dslrocks
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My phone doesn't do NFC but I have a contactless bank card.

A lot of the stand alone machines at bars and restaurants are contactless enabled, but either through poor staff training or general lack of awareness means they still are unaware that a contactless transaction can be made, and just shove the card in and ask for your pin, which can take ages.
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Old 09-05-2013, 22:58
vinba
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something that jumped out of that article for me



I bet around 5% of those are in London. Definitely a disparity in people's experiences based on posts here.
I can confirm that many Marks and Sparks have contactless payment. Used it yesterday. So do many branches of Maccy D's. I've also seen it in boots. Strangely many of these have been near train stations where I suppose speed is of the essence. I did see a few of the new card readers that can accept contactless today but at the self service in my local boots but the functionality seems to have been turned off.
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Old 09-05-2013, 23:08
neo_wales
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The system makes a lot of sense for small purchases in shops, bars, fast food outlets etc. I keep cash in my wallet for emergencies and normally carry a few quid in coins but to be honest I can go days, maybe a week or two without using cash; its so quick these days just to pop your card in the reader at the checkout, not really any slower than peeling off notes and NFC will be even quicker. Bottom line is its still money, just not paper money.
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Old 10-05-2013, 11:33
alanwarwic
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but at the self service in my local boots but the functionality seems to have been turned off.
Apparently there is a new rollout taking pace after their successful test in Northern Ireland.

Interestingly mobile payment systems are also becoming popular in some countries with retailer fees halved.
I guess for tiny transactions these are additional fees if cash is being replaced.
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Old 10-05-2013, 20:54
noise747
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But you don't trust or like any new tech. You see advancements as some sort of devil.

Anyway, why wouldn't you trust it?
it is not the technology itself I don't trust, it is people and the lack of security.

You lose your card and someone can keep using it until it asks for a pin. it don't make sense, we been forced onto chip and pin because it is more secure, so we been told and now they want us to use a system where we don't need a pin.

the banks may give us our money back, but two problems there, the first it takes so long, the second just how long do you think that will happen for?

Get everyone onto NFC, get rid of cash and the banks won't care.

Anyway as i said, it will be years before cash dies out.
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Old 10-05-2013, 21:04
alanwarwic
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...and now they want us to use a system where we don't need a pin
If authentication is unique it could end up a better system.
Recent news has cards becoming very unsafe.
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Old 10-05-2013, 21:11
offtotheraces
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I don't like the idea of using my phone to pay.

I'll stick with my perfectly good debit card for as long as I'm possibly able.
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