Which in-person payment method do you use the most?

Which in-person payment method do you use the most?

  • Cash

    Votes: 15 4.7%

  • Card (Insert or Swipe)

    Votes: 35 11.0%

  • Contactless Card (Tap to Pay)

    Votes: 102 32.2%

  • Smartphone (Tap to Pay)

    Votes: 129 40.7%

  • Smartwatch (Tap to Pay)

    Votes: 30 9.5%

  • Other

    Votes: 6 1.9%
  • Total voters
    317
90% cash now.

10% money on a Capitec Card that belongs to me sister that I give money to. Not much prob just R250k or so on there. No Tap/International transactions allowed. Low limits daily. Had to get one for debit orders and stuff.

I do not want to pay SARS penalties again...
 
NarrowBandFtw said:
any person who steals it AND has your PIN, else no, it is NOT 100% true
Click to expand...
Criminals aren't known for using your credit card at fine establishments that have 3ds. There are front companies who specifically don't use 3ds.

Also, traveling abroad where chip and pin isn't common, you're at risk.

So, with a credit card all you need to do as a criminal is to note down the details on a card, you don't need a pin, or access to the persons email/sim.. only a single factor of authentication required is poor.

Someone steals your wallet, you lose money without a doubt

Someone steals your phone, they not getting in unless they are sophisticated or have your phone pin.

Even my garmin watch is more secure than carrying a credit card. It requires me to put in a pin to use my stored card. Another level of authentication.

Steal my watch, you need my pin. Steal my wallet, you need nothing, happy spending

A physical credit card is the most insecure option
 
I use tap to pay mostly, but zapper works well too (if there is good internet).
 
SAguy said:
Criminals aren't known for using your credit card at fine establishments that have 3ds. There are front companies who specifically don't use 3ds.
Click to expand...
and the lack of 3DS is the merchant's liability, NOT the cardholder, capische?!?

SAguy said:
Also, traveling abroad where chip and pin isn't common, you're at risk.
Click to expand...
no you are not, the merchant is

SAguy said:
Someone steals your wallet, you lose money without a doubt
Click to expand...
no you don't, see above, liability shift, when 3DS is not applied it is not your problem

SAguy said:
A physical credit card is the most insecure option
Click to expand...
see above again, you cannot state that if you don't understand liability shift
 
NarrowBandFtw said:
which would mean the merchant loses money, NOT the cardholder
Click to expand...

And that’s not the topic of discussion.

It’s still an easily avoidable pain in the ass.

Cancelled cards, fraud investigations and then waiting without your money for weeks on end.

Nobody needs to volunteer for that.
 
NarrowBandFtw said:
and the lack of 3DS is the merchant's liability, NOT the cardholder, capische?!?


no you are not, the merchant is


no you don't, see above, liability shift, when 3DS is not applied it is not your problem


see above again, you cannot state that if you don't understand liability shift
Click to expand...

The merchants themselves are illegitimate merchants set up specifically to launder your credit card money

Anyway, you do you
I prefer avoiding having to deal with credit card fraud departments and then sit out of pocket while they deal with the reversal.

If there are options to limit that from happening, I'll take it
 
NarrowBandFtw said:
not disagreeing about the pain/admin, but you claimed loss ... there is no monetary loss to the cardholder when liability shifts to the merchant, period
Click to expand...

Did I?

Pretty sure I only ever referred to it being insecure.

There is a temporary loss at the very least and also half a chance the claim gets rejected.
 
SauRoNZA said:
Did I?

Pretty sure I only ever referred to it being insecure.
Click to expand...
mmm, ah yes, that was your tag-team buddy SAguy referring to monetary loss actually

SauRoNZA said:
There is a temporary loss at the very least and also half a chance the claim gets rejected.
Click to expand...
a temporary loss isn't a loss at all :cool:

0% chance a chargeback is rejected when liability shifted to the merchant, just have to stand your ground, the bank might try its luck if the cardholder does not know the rules though ...
 
NarrowBandFtw said:
mmm, ah yes, that was your tag-team buddy SAguy referring to monetary loss actually


a temporary loss isn't a loss at all :cool:

0% chance a chargeback is rejected when liability shifted to the merchant, just have to stand your ground, the bank might try its luck if the cardholder does not know the rules though ...
Click to expand...

Only if you use a Credit Card.

Anyone else is proper ****ed while it’s all happening and remains under investigation.
 
SauRoNZA said:
Only if you use a Credit Card.

Anyone else is proper ****ed while it’s all happening and remains under investigation.
Click to expand...
even debit cards, it's the only type of card I've had since Virgin Money went the way of the dodo, done a couple of chargebacks on debit cards over the years

... granted it was a bit more tedious than credit cards, but the end result was the same
 
NarrowBandFtw said:
even debit cards, it's the only type of card I've had since Virgin Money went the way of the dodo, done a couple of chargebacks on debit cards over the years

... granted it was a bit more tedious than credit cards, but the end result was the same
Click to expand...


Yes but the average person who doesn’t have an overdraft and has a limited balance may very well sit on a zero and have debit orders bouncing and what not.
 
Ive tried Google Pay and Samsung Pay and both honestly sucked. Then used the card loyalty style storage apps and they all sucked.

Busy switching to Apple Pay fully, because with my latest travels, I have seen people just use Apple Pay for everything. And even locally even paying at Checkers all with Apple Pay.
 
In my experience I've never waited more than a day or 2 to get money back for dodgy credit card transactions. Twice I've had my card cloned (in the old, pre chip days) and I've had some online fraud on a card. It's not a biggie, the bank barely asks a question, you just fill in a form, and get your money back.

If you order online, and aren't 100% sure about the merchant, CC is the way to go. If you charge back, the merchant has to show that they delivered the promised product/service. If it's a sketchy merchant they'll have many chargebacks, and the bank will almost certainly side with the cardholder.
 
Why not use a virtual card instead? Standard Bank allows you to open virtual cards when needed. I use one for all my online purchases, and use it as a top up card. So put in the money based on how much I want to buy online for and just buy it. Also use the same for most of my apps.
 
You must log in or register to reply here.
Back
Top
Sign up to the MyBroadband newsletter
X