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#8772107 - 08/25/16 10:08 AM Paying For Stuff In the U.S.
SuPeR-MaRiO Offline
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Registered: 06/28/01
Posts: 6111
Loc: Toronto, Ontario
I recently took a road trip down to Florida. It was my first time driving down (as an adult, we did it as kids a few times. Side note: man, things were different then. I remember my dad removing the back seats of the van we had rented and laying down a thin mattress. Us kids were sprawled out on the floor the whole ride. F*ck seatbelts and car seats!).

Anyway, one thing I hate doing when paying for gas is going inside to pay. I prefer to pay at the pump. Well all the gas stations in the US require you to enter your 5-digit billing zipcode as a form of security/fraud-prevention. This forced me to have to go inside and pay each time. Even paying inside, I would be asked for my postal code. After spending 2 weeks in Florida, it wasn't until the drive back that one attendant told me to use the 3 digits from my postal code + "00". Sure enough that worked! After telling them I'm Canadian, this is what attendants were doing when I paid inside. Why couldn't they just tell me that's all I had to do?

Its also as if credit cards with smart chips don't exist in Florida. I've been to many other cities in the U.S. but in Florida the only place that was able to support credit card chip technology was Walmart. Welcome to 2016! Actually NONE of the gas stations I stopped at on my drive there and back, had chip support. I had to swipe it each time.

There was also a time when my wife was asked for ID for her credit card purchase of $23 at a major chain store Maybe if they supported chip technology they wouldn't need to ask for ID for a measly $23.

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#8772118 - 08/25/16 10:19 AM Re: Paying For Stuff In the U.S. [Re: SuPeR-MaRiO]
SW20_MR2 Offline
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Registered: 08/27/01
Posts: 5282
Loc: Markham, Ontario, Canada
The US is about 10-15 years behind everyone else. Fraud was increasing huge there cause other countries moves to chip, and fraudsters hitting the US since they were slow to move. It'll take a number of years before it becomes the norm there. We were in Rochester a few weeks back, and there was a mishmash of magstripe, chip, and contactless.
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#8772124 - 08/25/16 10:26 AM Re: Paying For Stuff In the U.S. [Re: SW20_MR2]
SuPeR-MaRiO Offline
Post Master Sr


Registered: 06/28/01
Posts: 6111
Loc: Toronto, Ontario
Contactless? You mean "tap"? Whoa whoa, slow down. This isn't the year 3030!
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#8772129 - 08/25/16 10:32 AM Re: Paying For Stuff In the U.S. [Re: SuPeR-MaRiO]
Senor Eduardo_82 Offline
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Registered: 01/09/03
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http://www.rbcroyalbank.com/usbanking/index.html
http://www.tdcanadatrust.com/products-services/banking/cross-border-banking/index_b.jsp
https://www.bmo.com/main/personal/bank-accounts/cross-border-banking

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#8772179 - 08/25/16 11:02 AM Re: Paying For Stuff In the U.S. [Re: Senor Eduardo_82]
furball Offline
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Registered: 09/24/03
Posts: 9483
Loc: Toronto, ON
Did you pick up a box of Zika?
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#8772288 - 08/25/16 11:38 AM Re: Paying For Stuff In the U.S. [Re: furball]
porschetr Offline
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Registered: 05/15/01
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lol, there's a recent thread in OT about the chipped card.
They just started to getting them and some hate is developing.
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#8772290 - 08/25/16 11:48 AM Re: Paying For Stuff In the U.S. [Re: porschetr]
Risky Business Offline
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Registered: 05/17/10
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Just had lunch at a subway in Detroit and used my tap to pay, employee was baffled. I don't think they have cards with tap, but units that have apple pay can accept tap.
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#8772293 - 08/25/16 11:49 AM Re: Paying For Stuff In the U.S. [Re: porschetr]
Senor Eduardo_82 Offline
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Registered: 01/09/03
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My US Visa card is chipped.... but "chip and sign" rather than "chip and pin" that we have here.

https://www.rbcbank.com/borrowing-in-the-us/visa-credit-cards/chip-card/index.html

I don't like it and feel it is no more secure than swipe and sign from before.

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#8772302 - 08/25/16 11:56 AM Re: Paying For Stuff In the U.S. [Re: Senor Eduardo_82]
xza8 Offline
Sr Member


Registered: 12/18/09
Posts: 1065
 Originally Posted By: Q-Bert
My US Visa card is chipped.... but "chip and sign" rather than "chip and pin" that we have here.

https://www.rbcbank.com/borrowing-in-the-us/visa-credit-cards/chip-card/index.html

I don't like it and feel it is no more secure than swipe and sign from before.


Chips are harder to clone... so its def more secure than swipe

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#8772350 - 08/25/16 12:41 PM Re: Paying For Stuff In the U.S. [Re: xza8]
SW20_MR2 Offline
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Registered: 08/27/01
Posts: 5282
Loc: Markham, Ontario, Canada
Chip and sign is better than magstripe, but nowhere near as secure as PIN. It is extremely expensive for a bank to build PIN capability, and with the US bank market so fragmented by having small banks, it doesn't make sense for them to build it.
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#8772383 - 08/25/16 01:00 PM Re: Paying For Stuff In the U.S. [Re: SW20_MR2]
Euphoricuck Offline
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Registered: 11/05/03
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Loc: Canadistan
Crazed just made a thread in OT about his first chip card lol
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#8772394 - 08/25/16 01:03 PM Re: Paying For Stuff In the U.S. [Re: Euphoricuck]
Senor Eduardo_82 Offline
miataist
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Registered: 01/09/03
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Loc: Ca�ada
 Originally Posted By: porschetr
lol, there's a recent thread in OT about the chipped card.
They just started to getting them and some hate is developing.



 Originally Posted By: Euphoricuck
Crazed just made a thread in OT about his first chip card lol



Try to keep up.

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#8772396 - 08/25/16 01:03 PM Re: Paying For Stuff In the U.S. [Re: Senor Eduardo_82]
Risky Business Offline
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Registered: 05/17/10
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too many forums being juggled all at once.

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#8772721 - 08/25/16 05:11 PM Re: Paying For Stuff In the U.S. [Re: Risky Business]
titty sprinkles Offline
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Registered: 08/22/05
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Loc: Toronto,Ontario
when i was in NY recently i went to macy's with my cousin, found a hoodie that i wanted for $17 and the latina lady at the register was in shock that i tapped it, (the card not her)
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#8772736 - 08/25/16 05:29 PM Re: Paying For Stuff In the U.S. [Re: titty sprinkles]
Choco 'Nuck Offline
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Did she say 'hey papi'?
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#8772799 - 08/25/16 07:08 PM Re: Paying For Stuff In the U.S. [Re: Choco 'Nuck]
titty sprinkles Offline
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Registered: 08/22/05
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Loc: Toronto,Ontario
she was more like this

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#8773065 - 08/26/16 08:51 AM Re: Paying For Stuff In the U.S. [Re: titty sprinkles]
Hatorade Offline
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Registered: 11/05/99
Posts: 26894
Loc: Toronto, ON
Lmao got asked for id on a $10 purchase in Orlando.
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I thought Spark was a robot from the old movie and I kind of remember seeing him telling some engineer showing the equation for a clear metal that the guy would event years later - porschetr

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#8773105 - 08/26/16 09:14 AM Re: Paying For Stuff In the U.S. [Re: Risky Business]
4age Offline
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Registered: 09/11/01
Posts: 3969
Loc: North York, Ontario, Canada
 Originally Posted By: Risky Business
Just had lunch at a subway in Detroit and used my tap to pay, employee was baffled. I don't think they have cards with tap, but units that have apple pay can accept tap.


This is correct.
They actually have units that can accept tap all over the US.
Their cards dont yet support it, but many of the terminals have the hardware.
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#8773111 - 08/26/16 09:17 AM Re: Paying For Stuff In the U.S. [Re: 4age]
Choco 'Nuck Offline
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Registered: 07/10/01
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#8773235 - 08/26/16 11:06 AM Re: Paying For Stuff In the U.S. [Re: SW20_MR2]
Just A Troll Offline
Curved Street Thug Life
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Registered: 09/24/09
Posts: 2221
 Originally Posted By: SW20_MR2
Chip and sign is better than magstripe, but nowhere near as secure as PIN. It is extremely expensive for a bank to build PIN capability, and with the US bank market so fragmented by having small banks, it doesn't make sense for them to build it.


Chip and PIN is not secure! There are 2 pins that return the "pin accepted" signal from the chip. There's a known hack where you can put a transparent conductive strip over the chip strip that will fake the "pin accepted" signal.

With this hack, your PIN is useless. They just use their own PIN.

https://www.wired.com/2015/10/x-ray-scans-expose-an-ingenious-chip-and-pin-card-hack/



Edited by Just A Troll (08/26/16 11:15 AM)
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#8773867 - 08/26/16 11:24 PM Re: Paying For Stuff In the U.S. [Re: SuPeR-MaRiO]
TYJelly Offline
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Registered: 08/02/07
Posts: 2160
Loc: Milton, ON
I went through the zip code hassle at a supermarket in Ohio. Had to be sent to their customer service till where the chick was able to bypass it using swipe and sign.
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