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Comment by zie | Hacker News Reader

Apple Pay and NFC payments have been publicly out since 2014, and yet still many many cashiers freak out whenever you try to pay using Apple Pay. Thankfully MOST places take chip/pin now and almost all of those also take Apple Pay, even if they don't know they do. I end up doing a lot of NFC and Apple Pay education!

I can't imagine me trying to get them to scan a barcode going very well, half the time they get confused about their own rewards cards!

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Going off this, requesting an email receipt is something that should probably be handled by Apple Pay/NFC payments and not an additional barcode. One touch, approved and receipt emailed (the pesky chips take too long to verify).

Aside: a frustration of mine is that the chips take so long to verify for artificial reasons of security theater. Because American banks are too lazy to manage PINs and consumers too lazy to want to punch in PINs, which essentially are a necessary user salt to the process, the systems just request two hashes instead, wanting about a minute in between to make sure the wall clock time is different.

Just like everywhere else, American Banks don't understand two factor authentication and would rather just check the same factor twice for the appearance of security rather than actual security. The sad irony being that the lazy wait for wall clock time solution is slower than punching in a PIN would be.

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