The contact less cards were set to 5000 Rupees here without a PIN, and after a lot of incidents, they were set to 2000 Rupees, lass than $30. You wave it over the card machine, and sometimes codes got recorded for later hacks.
If you use the card by putting it through a point of sale machine, you have to enter a 4 digit PIN, and it has been like that since about 2010.
Before that, you could swipe it, and that was it...hacks happened, and cards got stolen during delivery.
The Wi-Fi cards are being hacked using a method similar to the car lock scam, so it is up to you how to handle it.
Cash or a phone app is safer, unless you lose your phone.
But it seems that Google has told the USA government that the Indian system called Bhim is the safest, and the USA at least is mostly magnetic strip cards, a little laziness on the cards issuers' part may be helping that.
The phone apps depend on point of sale codes at the merchants' locations, or the mobile phone number of the receiver.
My mechanic told me to send him money through Google Pay, he was surprised that I do not use it...it is common here for all sorts of purchases and payments, even eggs and bread, and dry cells, 20 cents even!
No cards are involved, and there are more users for those apps than for bank cards here at this point of time.
If you use the card by putting it through a point of sale machine, you have to enter a 4 digit PIN, and it has been like that since about 2010.
Before that, you could swipe it, and that was it...hacks happened, and cards got stolen during delivery.
The Wi-Fi cards are being hacked using a method similar to the car lock scam, so it is up to you how to handle it.
Cash or a phone app is safer, unless you lose your phone.
But it seems that Google has told the USA government that the Indian system called Bhim is the safest, and the USA at least is mostly magnetic strip cards, a little laziness on the cards issuers' part may be helping that.
The phone apps depend on point of sale codes at the merchants' locations, or the mobile phone number of the receiver.
My mechanic told me to send him money through Google Pay, he was surprised that I do not use it...it is common here for all sorts of purchases and payments, even eggs and bread, and dry cells, 20 cents even!
No cards are involved, and there are more users for those apps than for bank cards here at this point of time.
All my cards for the last year at least have the golden-finger chip-in-card. You stick it IN (not swipe) until the machine yells at you. Rarely that reader fails and a note tells us to swipe (mag strip) but hardly ever any more.
Some of these cards have tap-and-pay. I am told the Discover does. I have been shown how it works. It never works at a gas pump when it is really really cold.
Actually we make iglus only for kids. Freezing balls and pen is 'cause skiing freestyle instead of classic!
View from my front yard today. Snow comes in Nov and melts in Apr-May
The trick is to stuff your pants with yeasterday's newspaper! A mobile phone won't do the trick, Remi is too young to know...
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For the troops, a bulldozer is needed, or an attachment for the armored vehicle.
Those are the newer cards, the chip is really a cell phone SIM type chip, high security encryption.
The Discover may have RFID, the latest here in India.
Also, for our seemingly primitive country:
As a security action, all merchants have removed customers' card data, so either you make a virtual card, which works only with that particular merchant, or you enter the card number each time, and get a password to enter.
Safer for the user.
Merchant sites can be hacked for customer card details.
Another option is an electronic wallet, which has a limited amount of money.
That is a lower risk, and you can transfer money to the wallet by check or card. And pay merchants from the wallet.
Also, seemingly harder to hack.
Those are the newer cards, the chip is really a cell phone SIM type chip, high security encryption.
The Discover may have RFID, the latest here in India.
Also, for our seemingly primitive country:
As a security action, all merchants have removed customers' card data, so either you make a virtual card, which works only with that particular merchant, or you enter the card number each time, and get a password to enter.
Safer for the user.
Merchant sites can be hacked for customer card details.
Another option is an electronic wallet, which has a limited amount of money.
That is a lower risk, and you can transfer money to the wallet by check or card. And pay merchants from the wallet.
Also, seemingly harder to hack.
How do all these posts about credit/debit cards lighten the mood? Take it somewhere else guys.
I agree to both sentiments since chip cards are now about 15 years old here in Canada, we usually tap them rather than insert and tanks is what I say when someone does something nice.
If you are friends with 25 of the letters, you might never know Y.
