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Posts by Misa

Zip. MCX is not a bank, it's not FDIC covered, it's in a worse situation than PayPal would be if it was Paypal offering the service. (FYI Paypal offers credit cards in the US, nowhere else https://www.paypal.com/us/webapps/mpp/paypal-extras-reward-program .)Unless that liability question gets answered soon, MCX is dead in the water. The very people who would jump through the hoops to get a lower cost, if indeed there was any to the customer, are the same kind that don't...
In Canada, there are three kinds of POS terminals:1) Ones that are Chip+pin only (they have only a card slot/pin-pad), are used by vendors who only upgraded to the chip+pin, and won't replace their equipment until worn out.2) Ones that are Chip+pin + NFC (usually tapping he card to the screen), All the ones I see are usually issued by Chase.3) Ones that have separate pin-pads and NFC sensors. These are the old ones that were rolled out chip+pin between 2003 and 2010, and...
I'm assuming the DL and SSN info is only done for a credit check and then discarded... BUT... companies like AT&T keep your SSN on file in perpetuity and any customer service rep can see it in legacy systems, and this is likely true of all credit-reporting facilities. Hence it may very well be that they keep your SSN and DL on file to report to credit bureau's like Transunion and Equifax .Tip: If a phone or internet site requires you to enter the last 4 digits of your SSN...
Consider that ACH doesn't have a way to check if there are funds in the bank account. CurrentC will result in accidental double/triple transactions resulting in NFC fees galore from the banks.I'm speaking of this as someone who handled "pay by check" over the phone before, and not a single time has the payment been refused. On the contrary, people would call in and complain about being having the wrong amount debited from their account OR the wrong person's account being...
This pretty much.An embedded SIM was always a bad idea, because that ensured carrier lock-in, thus regressively sending us back to 1991, where carriers started picking different technologies, and making switching impossible.The Apple SIM is just an option. What I'd like to see is the Apple SIM work with all PAYG (Pay as you Go/Prepaid) systems, in conjunction with Apple Pay, so that it only deducts an amount that you use, instead of "topping up" uselessly just to keep the...
The Translink system in Metro Vancouver, BC, uses Cubic but they have yet to actually turn the system on. Assuming they ever do, they could enable Apple Pay on it (It uses the same NFC hardware system that London Transport uses, though TFL allows payment via credit cards, where as Translink does not.)This comes back to the tracking data aspect. Translink wants the Compass card to do a tap-on/tap-off system, while I don't know how Clipper or the Oyster card works for...
The customer is "always right" is a cliche that made sense in the 20's to the 50's when you could only pay in cash, and most items were made to last, not made to be obsolete in 3 years.Today the correct cliche is "The customer is always lying"You have people who believe that just because a ToS or Law is written a certain way, that any loophole must be exploited. That is why we have BIG companies buying Canadian companies for Tax loopholes, or moving their money through...
Jokes on you, Receipts are not thermal or moisture stable. Sometimes I go to find a receipt from 5 years ago and all that's left is a blank receipt with the store logo on it.If it wasn't so obnoxious I'd actually prefer the dot-matrix thermal receipts of old, at least they were burned permanently into the paper. Then again, I'd rather be able to just click "view receipt for this transaction" on my bank/credit card website, and have every receipt emailed to me as the...
This is a very obvious point, and I'll go one further...Ever since the advent of "pay by phone", everyone tries absolutely everything they can do to discourage using credit cards. They want you to give them your checking info so that1) They can debit your account directly2) Put you on recurring billing3) Not question the charges.There is absolutely ZERO protection from f**k-ups doing it this way. CurrentC, like PayPal also does this, they want access to your banking info...
At any rate you'd think that they would have solved the problem by now, but nope. Telus support is like "uh use a VPN"
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