NFC

Please Take My Money, GBK

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I don’t know why this topic grabs my attention the way it does. Maybe it’s because I’ve been quietly fascinated by how we pay for things ever since contactless cards appeared. Or maybe it goes back even further to this tech show I watched years ago. It was probably the early 2000s, maybe even before that, and they were covering a guy in Singapore who tried to spend an entire day using only a watch that was linked to the local payment system. It was a test for the show, and he actually pulled it off. He managed to buy food, travel around, and live his normal routine without touching his wallet once. I thought that was the coolest thing.

So when tap to pay and mobile wallets finally arrived, I was ready. It felt like the future was catching up. But over time, I’ve learned that not all of these systems deserve to exist. Some work beautifully. Others are so clumsy they make you nostalgic for exact change.

I’ve written before about those “Please Take My Money” moments, the times when businesses make it weirdly difficult for customers to give them money. This is in that same spirit, just focused on the modern point of sale experience, or really the broader world of how we’re expected to pay for things now. Some places get it right. Others seem to treat usability like a design flaw.

And that’s how we arrive at GBK, Gourmet Burger Kitchen, which manages to turn something simple into a mild endurance test.

GBK: The Anti Convenience Experience

GBK lets you order at the counter or through their app. In theory, that’s flexible. In practice, it’s annoying. When I’m sitting at a table, I don’t want to get up and stand in line like I’m at McDonald’s. GBK isn’t supposed to be that kind of place.

We’ve been to the Stratford location several times, and every time it’s the same story. Between my wife’s Three network, my EE connection, and even my work phone on a different provider, none of us can get a decent signal inside. So you try their free Wi Fi, which of course wants a bunch of personal details before letting you in. It’s not free. It’s just data collection in disguise.

Once you’re connected, the app insists that you register. You can’t just use Apple Pay or Google Pay. You have to create an account, fill in your billing details, and basically hand over your life story before you can order a burger. The irony is that the whole point of tap to pay systems was to skip that kind of nonsense. But GBK wants your information, not your convenience.

After fighting with the app a few times, we gave up and just started ordering at the counter again. The food’s fine, good even, but the ordering system makes the experience harder than it needs to be. It’s like they built a digital wall between customers and the register.

The Bigger Problem

This isn’t just about GBK. It’s about how so many modern payment systems have completely missed the point. They were supposed to make life easier, but in too many cases, they’ve turned into data traps or loyalty funnels. The best systems disappear into the background. You pay, and that’s it. No account, no registration, no email sign up, no exclusive offers. Just pay and eat.

GBK gets a fail from me. I’ll keep writing about more of these experiences because some places do get it right, and others, well, not even close.

So yes, GBK, please take my money. Just stop making me work so hard for it.

The Great No Wallet Experiment

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One of the minor advantages to living in England versus the US is the ubiquity of tap to pay. Pretty much anywhere that takes a credit card allows you to use the NFC chip on your credit card or Google/apple pay. The catch has been you can only use it up to £30. After that you need to use the chip and pin. That meant for most day-to-day transactions I was able to use Apple pay on my watch. I kept my belroy slim wallet (pictured) with three credit cards and ID in it along with 20 pounds just in case I needed to spend more than £30.

In late August I read a newsgroup thread talking about how merchant terminals were no longer limiting Apple pay to £30 per transaction. That made sense to me since I bought stuff in the Apple Store for way more than £30 and they didn’t seem to have a limit. What I didn’t realize immediately was I was reading about a change to the banking laws that was coming into effect in mid-September so the terminals were changing their requirements

After September 17 or so there’s no longer a hard limit on how much you can spend with tap to pay. Apple and Google Pay offer 2nd factor authentication already. It’s my face or fingerprint on my phone so there in theory is no additional validation or limit on using my phone or watch to make purchases.

Using a physical card with a NFC chip need to reauthorize with the PIN every hundred pounds or so. This change in theory makes it possible for me to not have to carry a wallet. It also means in theory that using Apple pay is more convenient/better than using an actual physical card.

At the time of writing this it’s been at least two months since this came into effect. Since then i only once had to use a physical card at one merchant. Since this is still an experiment I leave my wallet with an emergency card or two in my bag hidden away. It still also has an emergency £20 note. You know for that rare time I need cash. So far the experiment has been fantastic. Even the one case that i did need my physical card i think the terminal was having issues. Even with the physical card the system had to try twice to make the transaction go through.

Here is to hoping I don’t need to carry a wallet ever again. Well at least in the UK.

Underground vs Subway Showdown Part 1: Take My Money

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While I am still settling into writing routine I figured I would start off with some comparison posts. I know its a bit cliche to do comparisons. I also know people who have moved countries say you shouldn’t really do it if you want to enjoy your new home better however with some things my mind just goes to comparisons. And no comparison between New York and London would be complete I feel without talking about the subway and the Underground. FYI I refer to the Underground a lot in this post. I do that instead of saying the Tube mainly because my Dragon Anywhere dictation had trouble getting Tube correct in all the different contexts I was using. I really mean the Tube and the DLR in my comparison since I use both systems daily.

Payments

The Underground and the subway are in some ways similar and yet are so starkly different. First difference between the systems that stands out for me how you pay. In New York the subway is a flat rate to go anywhere. You can also purchase a daily, weekly, monthly unlimited card. The flat rate of the unlimited cards were pretty awesome. That is where the awesome ends with the Metro Card. You see for those of you that do not live in NY the Metro Card requires you to use a magnetic strip reader that was semi new and cool when introduced in the mid 1990’s. Ah the aggravating memories of having to stand at a turnstile swiping my card 15-20 times before it would work. Or swiping it 15-20 times only to have it say just used when you did not just use it because you were standing there for 5 minutes trying to get the dam card to work. Wow, I just had bad flashbacks about that. That is just two typical issues I had with my Metro Card.. I sum up the Metro Card experience by saying it is 1990s technology that has not aged well. At present there’s only a rough roadmap to replace the system.

The underground on the other hand you pay based on where you are and where you’re going to. I get the reasons for this however in practice it costs me more. Payments on the underground are contactless. I had the oyster card when I visited for moving here. On the last trip or two visiting I realized I could use my iPhone with Apple pay to tap into and out of the system. Since I’ve been living in London I have an Apple watch series 3 and now am able to make payments via my watch.

Head-to-head contactless payments for the Underground wins. Even if it costs a bit more money the Metro card is crap. I had countless issues with it. The simple fact that I can pay for my trip using my watch will win anytime.

In Part 2 of The Underground vs Subway I will ponder why in the world stuff breaks so much on 100+ year old infrastructure.

Please Take My Money Target

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CVS POS Terminal

One Saturday not to long ago we went to Target to spend some gift cards that we had lying around that we need to use before we moved. While I was there I wanted to grab a coffee at their sort of Starbucks. You know it’s says Starbucks but it’s not. I know it’s not since I can’t use my Starbucks card.

While I was at fo-Starbucks I noticed they had a tap to pay/NFC reader on their point-of-sale terminal. Since I try to use Apple Pay everywhere I can in hopes that one day I won’t need to really carry a wallet.  I was happy to try to use it.. Then I tried. The checkout clerk said oh it’s Apple it won’t work. The machine only takes Samsung Pay. I didn’t really want to argue the technical details of NFC payment terminals with a fo-Starbucks Clerc.  To be clear however what he said is not entirely true. Apparently target is deliberately limiting their system to Samsung pay or simply telling people anything else will not work. And NFC chip is an NFC chip. If I had one in my credit card I should be able to just tap it on their system.

I find it frustrating when a retailer is misleading customers about their deliberately limiting their choice at the same time. Let’s face it there’s nothing stopping them from doing it. And I don’t think it’s a legal issue however it’s a bit shady to tell me it just doesn’t work.  As it turns out Target cannot use the failed CurrentC.  However they decided to use their own app to make payments only.  That way they keep the loyalty information and save prices on credit card transactions.  That credit card transaction savings is a good thing.  A good thing for them since they are not passing the savings on to the consumers. On the plus side this entire engagement reminded me to be thankful that CurrentC was a complete and utter failure.

I sadly paid with my chip and PIN (only using a debit card since the US hasn’t figured out PIN’s for credit cards yet) and still enjoyed sipping my Cappuchino while pushing the girls in the shopping cart.

Photo is from a CVS POS were likely I had the same issue.

Surprised by the availability of NFC payment

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I was shopping today and I was surprised at the number of locations that I went to that supported Apple Pay (aka NFC payments).  Along those lines until this week I hadn’t seen anyone asking me to use the chip in my card (EMV chip) eve thought the deadline that shifts the liability to the merchant and not the credit card companies if they don’t use the chip passed in November.

Of all the places I went to today the quick scorecard I had was as follows:

  • Macy’s, YES but I knew that already since I have used it before
  • Lego Store, NO however what was frustrating about this merchant was that they used the same terminal as several places I have shopped at that do take NFC payments.  To make things more annoying the terminal had a big NFC logo on its screen however I was told the system didn’t accept the payment type.  I did have to pay using the EMV chip.
  • Applebee’s, YES however I couldn’t get it to work.  They still get props for the fact that check out was via a tablet at my table.  It was still a regular swipe card but cool that I could have ordered food and checked out at the table.
  • La Maison Du Chocolat,  YES
  • Card store, NO.  Let’s face it this is a local Hallmark store that doesn’t even take AMEX so I didn’t expect anything.  They still used the standard swipe card.
  • Party store, NO, however I only bought something very cheap and paid cash.
  • liquor store, NO but at least they took AMEX.   For some reason I find many liquor stores that don’t take it however that is a different conversation/blog post.

Based on my experiences today counting the stores that should have worked with the NFC payments I was supposed that almost 40% of the stores supported the NFC payments.  That was higher than I would have guessed.  I am hopeful that 2016 will see a large increase in the number of stores accepting the chip technology.

Apple Pay on a Vending Machine???

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I still cannot use Apple Pay or any NFC card at the vast majority of stores yet as I was dropping off T for school today I noticed the vending machine in the lobby of the Y accepted credit cards.  Upon further inspection it flashed the NFC logo and Apple Pay logo that it accepted that too.  I suddenly had to resist the urge to buy a Snickers bar!