Thread 106541153

which payment method for point of sale transactions do you think is best, considering privacy, anonymity, security and ease of use?

big tech / apple pay seems less private, however the use of virtual card numbers and tokenization seems like it would help leak less information to merchants

cards are a similar story, but using a credit card might be better in terms of security in case it is lost or stolen

cash is obviously anonymous, but many stores no longer accept it and it is also easy to lose, get stolen or scammed by the indian worker who cant do math and charges you extra

obviously nothing will beat monero xmr, however i dont think your local goyslop merchant is going to be accepting this any time soon

>>106541153 (OP)
Cash

>>106541153 (OP)
Monero, in case of more normie merchants we should look to what payment processors accept which crypto and try to get there in the fewest steps possible with new wallets. Cash also is great but doesn't help us much in online payments. If neither are an option paysafe cards might still be around.

>>106541153 (OP)
mastercard in apple wallet for ease of use, points, don't need to carry shit other than my phone.

I don't know what the fuck you mean about security and literally what are you buying that you need anonymity.

>>106541153 (OP)
>privacy, anonymity
Money
>security and ease of use
Credit Card

Debit cards have no place in this world. It's the worst of Money and credit cards.
>Like money, once fraudulently spent or stolen, it cannot be regained
>Like a credit card, it is extremely easy to tap the chip of the card to create a false purchase

Debit cards are best kept at home, so you can just pay off your credit card balance at the end of the month. Banks will not reimburse you for fraudulent debit card purchases. It's almost retarded to keep one with you at all times.

>>106541153 (OP)
>cash is obviously anonymous, but many stores no longer accept it and it is also easy to lose, get stolen or scammed by the indian worker who cant do math and charges you extra
this is the most retarded cope I've ever read
cash is king

>>106541153 (OP)
Pic related.
It has all these features + makes the orange man and big techs seethe

>>106541523
Pix brought Brazil to the 21st century.

>>106541153 (OP)
Using the top row from my phone connected to cards in the middle that give rewards points to be paid off in full every month using cash.

>>106541153 (OP)
remember when bitcoin was going to solve all that shit lmao

>>106541188
this is you in old

>>106541683
based

>>106541304
You can do a chargeback on your debit for all the legitimate reasons you'd want to and every purchase i've ever made with the thing required a pin.
They do jew you 10 dollarydoos a month if your account balance drops below a certain threshold though.

>>106541683
Based as fuck

>>106541683
He paid his strawberries leave him alone. The store failed to inform this customer that they don’t accept cash and the staff acted inappropriately. The staff should have accepted cash and informed the customer.

>>106541153 (OP)
>use debit card
>error
>use it again
>error
>pays with cash
>no problem at all
it just werks

>>106541683
Couldn't the retards just charge the strawberries to their cards and keep the money? Fucking dumbasses.

>>106541859
minimum wage workers
their credit cards are maxed out

From customer pov, credit card because everyone has one. From developer pov, credit card because everyone has one. Most people don't give a shit about privacy

>>106541153 (OP)
amex, they let me buy loli doujin unlike the others

I use credit most places because I like the 2.5-5% cash back. I carry cash as a backup and use it places where there is a card upcharge or if it's something I want to keep private. I always pay my cards in full. I never use debit, and those cards are always locked

>>106541304
>It's almost retarded to keep one with you at all times.
You can just add the money you need to your debit card account right before using it and otherwise keep $0 balance.

>>106541153 (OP)
I get gas from a station that only takes cash. I walk up to the old Indian guy, get my 10 seconds of weekly human conversation, hand him $30, pump my gas and go. Contrast that with the modern hellish experience:
> ENTER REWARDS NUMBER
> 867-5309
> THANK YOU VALUED CUSTOMER WOULD YOU LIKE TO REDEEM $0.10/GAL REWARD
> Yes
> TV SCREEN TURNS ON AND STARTS PLAYING ADS WITH AUDIO
> push 2nd button from top on the right
> nothing changes
> push all buttons
> nothing changes
> WOULD YOU LIKE TO PAY BY CASH OR DEBIT OR CREDIT
> Insert card
> wait
> PLEASE ENTER ZIP CODE
> xxxxx enter
> THANK YOU
> Pump gas
> WOULD YOU LIKE A RECEIPT?
> Yes
> Nothing happens
> YOUR RECEIPT IS WITH THE CASHIER INSIDE THANK YOU
> Just go
And the cash place is always the best price by far.

>>106541683
>Offer legal tender
>Gets refused
What a dystopian shit hole.

>>106543057
>he doesn't know the meaning of legal tender
Retard

>>106543044
Wow anon, that sounds really hard for you.

>>106543044
>hand him $30, pump my gas and go
What dystopian shithole requires you to pay first for gas?
I use an app anyway
>open app
>scan pump QR code
>pump gas
>payment is handled automatically
>leave
Super fast. There is a physical card only place near me but it's fucking retarded prepay bullshit
>enter or tap card
>select payment amount like you're just supposed to know how much $ of gas you need
>pump gas
>leave
If your tank is full and you selected more money it takes 10 business days to get your cash back.

>>106543177
And just for reference the card experience at a manned store is the same as cash
>fill car with gas
>enter store
>pay
>leave

Idk man my gas pump experience is literally
>tap card
>select grade
>pump gas
>put pump away

>>106543177
>select payment amount like you're just supposed to know how much $ of gas you need
This is just so they know how much to pre-charge you so brokies don't drink the gas and leave

Around me you can just skip that prompt and it'll pre auth $250 which is auto refunded to the card within the day so it doesn't matter

>>106543249
Working at a servo down under, the person at the till has to authorize your pump. If they somehow allowed for petrol huffers to have it, that's on the till person.

>>106543157
>Doesn't know the meaning of legal tender
Retard.

>>106541153 (OP)
>privacy, anonymity, security and ease of use?
Cash money wins on all 4 of these

>>106543303
That's what Opal is for

>t. ex remote servo worker

>>106541153 (OP)
I'm putting my bets on https://epicompany.eu/
Their aim is to cut out the middlemen and facilitate direct bank-to-bank payments while cutting out American companies (jews) and their usurous fees.

>>106543964
I remember reading somewhere that EPI as a whole is EU digital ID, beyond just Wero

>>106541683
I've done similar, except it was time for the POS reset and I was in a hurry and with indigestion

>>106541153 (OP)
Get a debit card, then just use your temp digital card when you need to buy something.

>>106541683
Gigachad

>>106541153 (OP)
Crypto unless you for some reason trust your bank and the credit card companies.

>>106541683
Based

>>106541153 (OP)
cash. just don't have a lot on you. easy

>>106541285
kill yourself

simple as

>>106541153 (OP)
Amex for the ability to slam your big credit score dick on the counter at any time and say "do it or I'll dispute charges" and actually scare them into it.

>>106541153 (OP)
Cash is king.

Middle man is a threat to privacy, security, and freedom to do business as you see please.

>>106545259
>Middle man is a threat to privacy, security, and freedom to do business as you see please.

worse. they usually cite how cash is more expensive but a quick look at how all electronic transactions are ~taxed, I don't think that's true

>>106545291
Paypal fining people for "disinformation" and "misinformation" and VISA/Mastercard banning companies from doing business with Japanese games devs because they dont have the Black Lives Matter as part of corporate agenda kinda killed any enthusiasm for online payment system.

>>106543044
cash is king, but the loyalty rewards system places have has nothing to do with what payment method you choose

>>106541153 (OP)
>which payment method for point of sale transactions do you think is best, considering privacy, anonymity, security and ease of use?

>>106545335
>facilitating anti-competative measures in the market is illegal, but like whateverrrrrrr

>>106545357
Its only an issue when there is monopoly and harming businesses/competitors. But then again, even when its duopoly or so, if you collude with others to stop doing business, thats antitrust issue right there. It would violate Sherman act.

>>106541683
Real king.
Limp-wristed /g/ fags would buckle and leave empty-handed.

we should revert back to bartering

>>106543157
>once our currency fails, he who controls the pants industry controls the world
You've never had a job that matters.

>>106545396
>these are illegal under the principle that fucking with the market is bad for the economy
>but specifically targetting business and withholding payments has never been properly described by a lawmaker so it magically just doesn't count
Where are the adults in this scenario? We need an adult.

>>106543174
>>106543177
>>106543186
>>106543229
>>106543249
>>106545337
Cope
Cash is the best because it's 20x faster and I never have to interact with a screen. There is no communication latency, I give money then I take gas.

>>106544887
>>106545259
Cash sucks if you're gonna pay for things online which most people do these days. The payment method has to be compatible with that.

>>106546601
If its online payment, there's always buttcoins. No middleman that abuses the exchange between buyer/seller.

>>106546601
i thought we were discussing in person point of sale methods

for online purchases it would probably go
monero for privacy
apple pay for ease of use
card for availability

>>106546601
cash on delivery is absolutely the best way to pay. You can keep your money until the package arrives/inspected. Scammers hate that one trick. Also, your purchases can't be cross referenced.

>>106541523
I wish the US has Pix.

>>106542871
Enjoy paying overdraft fees, or paying a fee per month to not have "overdraft protection."

>>106541523
This. It might be giving too much power to the government, but damn it if it's not convenient.
I just don't carry money around anymore these days.

>>106545396
Businesses cannot perform anti-competitive actions in a free market, retard. It's in the name: FREE market. Anti-trust, Sherman act, etc are market distortions that CREATE government sponsored monopolies.

>>106545516
Why did you get mad that they told the truth?

>>106546942
Why? You aren't going there any time soon.

>>106546967
Why would that happen? Fees? If I'm spending $50.20 at the register I can take out my phone and transfer $50.20 to the debit card account. You can use Cash App in this instance if you don't have use a brokerage with unlimited arbitrary cash accounts like Fidelity.

Has anyone here tried privacy.com for virtual cards?

>>106548247
i don't trust a company that had enough money to waste buying the vanity "privacy.com" domain. just get a normal cc that can create virtual cards.

>>106548452
privacy.com allows you to create cards with fake names and addresses which is why I was interested.

>>106541304
>americans once again literally being unable to understand not everybody is living in a shithole like them

Nigger I carry at least 10 different cards with me for years now, literally never was even close to somebody trying to take money from my card in one way or another, I know several people who have lost/forgot their cards, and the finder contacted them and gave it back to them without a single cent mission from the account, try moving to somewhere without subhumans.

>>106541304
>>106548626
>he cannot comprehend the pin code and reporting your card as stolen
I can report my card stolen within seconds through my banking app. Also, magnetic stripes have been phased out in most of Europe for years. Contactless card payment also protects you from skimming.

>>106541859
>DOES NOT COMPUTE
>ASK CHATGPT

>>106547217
Why do think he's mad?
And why do you think all those alternate methods are any better?
>oh no wifi is down
>oh no 5G is down
>oh no the touch screen sucks ass / is broken
>oh no now my rewards number isn't working
>oh no there was a glitch and now my card has signaled the police as being reported stolen
And don't act like this kinda shit doesn't happen all the time

>>106549944
>Contactless card payment also protects you from skimming.
Yeah now they just snag your chip straight thru the air
>just buy an anti-RF wallet
endless cope to support your techno dystopia

>>106552047
and for dinner mom makes spaghetti

>>106550768
>snag your chip straight thru the air
The chip never exposes the private key, it uses asymmetrical encryption just like SSL.
That's what makes it so much more secure than magnetic strips.

At the very most they can do a wireless purchase by holding one device near your pocket and another device connected over the internet near a payment terminal.
But it's difficult and is limited to 50 euro or whatever you set as the limit before needing a PIN.

>>106541304
>Banks will not reimburse you for fraudulent debit card purchases.
Yes they will.
It's just extremely rare to happen in the first place so it's not something they need to advertise.