Yes we are when you have enough of a clue to put your cards on ApplePay for the vastly better security that provides and so you don?t have to even consider how dodgy the merchant may be or whether they might have modified their card machine to grab your card details when you use your card in their place.
We were talking about online
Just as true with ApplePay used for online transactions, no online merchant ever gets any of your personal information that can be used to do other fraudulent transactions after the one you chose to do using ApplePay for the vastly better security of your data.
Irrelevant when you have one of those already.
And AndroidPay is almost as secure, particularly if you choose a handset that will not do AndroidPay transactions unless it has been unlocked.
No that wouldn't be sensible. But if he'd had problems with a significantly higher proportion of Pakistanis than, say, Poles, he'd be within his moral rights to discriminate. You could call this racism, but actually it's race-based generalisation. Generalising helps us survive as a species. If your personal experience of Yorkshire Terriers has been that they bite you are sensible to avoid them. When I was working an an aerial installer I would sometimes pull up outside a house, look the place up and down, and drive off. It was because I'd learnt that the people in houses with a certain exterior appearance were less likely that normal to be good customers. That was unfair on the ones in such houses who were perfectly OK but my first priority was to maximise profit. My friend has just been turned down for a mortgage because the house has a flat roof. We've been up on the roof. It's new, and perfect, and it has a 25 year guarantee. But the building society don't lend on flat roofed properties because they've been stung before.
As a matter of interest are you still covered for transactions above £100? When making a purchase by CC of above £100 the CC company is also liable in law for refunds etc. if the original retailer goes bankrupt etc.
By using a third party in the transaction do you lose this legal right? You have a transaction (contract) with the retailer and the Applepay and then Applepay has a different transaction with the card company. You haven't actually used your card for the initial transaction.
In the Yorkshire Dales and Moors pubs, bikers are very welcome - in fact, across the whole of the UK I cannot recollect having seen recently a 'no bikers' sign. People generally are far more intelligent (1) than to let a small section of a group influence their overall thinking. Even more so when that view is based on historic prejudice.
(1) I do note the exceptions particularly on this group.
and if his experience had been with one of the many British run stations or other British conmen, thieves, whatever I'd be delighted if he would then admit to using precisely the same level of caution.
Nothing inferior about adding one time tokens to what is used with contactless cards so the merchant never gets anything that can be used again after you have left the store or have done the online transaction and never gets anything they can do fraud with.
AndroidPay is almost as secure for the same reason. The main aspect of less security is that some android phones will do an AndroidPay transaction without being unlocked and so someone stealing or finding the phone can do some AndroidPay transactions, That risk is easily avoided by not having one of those phones.
I just got an email from my bank, mainly about their UK ring-fencing, but it also included this ...
"Open Banking will enable you to share your bank account data with other companies if you give permission. This means you will be able to see multiple bank accounts and transactions in one place (for example on your Barclays Mobile Banking) even if they're from different banks. You will also be able to allow other companies to give payment instructions from your account. If you don't want to use these new services, you won't notice any differences in the way you bank, as you will always have to provide permission for the new services."
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