Greggs: can't process debit cards?

[Pete]

The only site I come across it on is when I'm paying off my M&S credit card. Having informed it I did not want to enroll in the system it appears for half a second before moving onto the next page when I use my debit card.

As cwathen says above, it's a completely flawed system that is just begging to be abused which is why I have no intention of ever using it.

[Ebeneezer Scrooge]

Cafe Nero is another place that doesn't do cards. Bloody annoying it is, worse than those annoying shops that give minimum spends. Take the bloody hit and you'll get more custom, it's not as if cash itself is free to deal with given the hassle and charges involves with that too. Idiots.

We were at the trafford centre last Monday and endured a vastly mediocre sandwich at cafe nero - not only paid for by visa debit, but had it been 40p cheaper, could have been paid for by one of those proximity thingamies.

[Gavin Scott]

I am not a fan of people using cards for small purchases. Until and unless everywhere gets those proximity devices, cards will ALWAYS take longer than cash to deal with. I probably wouldn't feel quite so strong if the people ahead of me in the queue would at least get their cards to hand by the time they are at the till.

Instead they rummage through their handbags for their purse, and then struggle to find and remove their card, then you wait an age for the dullard behind the till to say, "any cashback?" which requires a button push from him (god damn-it - ask when you see them hand the card over) - and then there's the pin and authentication delay.

All for a sale of £1.45? Give me strength.

Its nearly always women I see paying for the tiniest of amounts on plastic, but an increasing amount of young men do it too. Fair enough, if you're sub-£10 in your account then its the only way to get your tin of beans - I've done that too.

But the rest of the time, what's the harm in carrying some sundry cash in your pocket?

*and breath*

Glad Greggs don't take them at all. Their staff aren't exactly known for their speedy movements.

And I bet their average purchase is about £1 when you take into account the number of workers that pop in for a hot pie and a yum yum. At upwards of 38p per transaction in costs, all that does is to drive the price up for considerate men like me who have the £1.04 ready in change.

£1.04 = two fudge doughnuts if you must know.

[jay]

I for one hate carrying cash around with me.

I seem to have a massive inability to spend coins under the value of £1 and they just collect in my wallet until I can no longer close it. I find counting / finding coins to the value of what I've spent in a shop, whilst you can feel the eyes of the cashier and customers behind you in the queue very pressurised!

The sooner these shops accept the WavePay system the better for me.

[Andrew Wood]

The only reason banks are gradually forcing people to use 'features' such as SecureCode is that it squarely places all security responsibilities on to the end user - ie the card holder.

YOU have decided the password and ONLY YOU have the details therefore it is YOUR FAULT if things go wrong.

The banks are forcibly abdicating their security responsibilities on to us - and we have little choice.

[jay]

The only reason banks are gradually forcing people to use 'features' such as SecureCode is that it squarely places all security responsibilities on to the end user - ie the card holder.

YOU have decided the password and ONLY YOU have the details therefore it is YOUR FAULT if things go wrong.

The banks are forcibly abdicating their security responsibilities on to us - and we have little choice.

LOL! Forgive me if I'm wrong but surely the security of your own bank cards is down to you and you alone?

It's not the fault of the bank if you can't remember the password YOU set-up to protect YOUR OWN card from fraud is it? Or if you used an old email address you no longer have access to?

[Andrew Wood]

Sorry, Jay - it was a little late and I was a little tipsy.

However, the point of my post wasn't really relevant to the use of cards in in-store transactions - so really not relevant to the thread, I suppose

It was about the liability of fraud in on-line transactions and how the merchant services have moved it off themselves.

[jay]

Sorry, Jay - it was a little late and I was a little tipsy.

However, the point of my post wasn't really relevant to the use of cards in in-store transactions - so really not relevant to the thread, I suppose

It was about the liability of fraud in on-line transactions and how the merchant services have moved it off themselves.

No problemio! But surely it is all our own responsibility to be "web-wise" when it comes to online purchases?

These extra steps have been introduced to protect us even more from online fraud, and, IMO, should be your own responsibility in the first place and not that of the banks.

[Andrew Wood]

But surely it is all our own responsibility to be "web-wise" when it comes to online purchases?
... should be your own responsibility in the first place and not that of the banks.

Couldn't agree more.

Earlier in the thread it was noted how self-serve checkouts didn't use to ask for your PIN - the same at petrol pumps, car park pay machines etc. Many people complained how insecure that was.

I've always felt that if your stupid (or indeed unlucky) enough to lose your wallet, you have to shoulder the hit - just as if it had been hard cash you lost. Harsh, yes, but too many people now expect to be protected from themselves.

[Gavin Scott]

I for one hate carrying cash around with me.

I seem to have a massive inability to spend coins under the value of £1 and they just collect in my wallet until I can no longer close it. I find counting / finding coins to the value of what I've spent in a shop, whilst you can feel the eyes of the cashier and customers behind you in the queue very pressurised!

The sooner these shops accept the WavePay system the better for me.

I feel that way when I'm outside the UK and have to make sense of foreign coins (and notes, come to that). So often you just hand over a large note or a card so people won't glare.

Consequently I'd make it to the airport with $40+ worth of quarters and dimes and the like; which makes me look quite the generous thing when the hostesses come round with the charity buckets for loose change.

[marksi]

Sorry, Jay - it was a little late and I was a little tipsy.

However, the point of my post wasn't really relevant to the use of cards in in-store transactions - so really not relevant to the thread, I suppose

It was about the liability of fraud in on-line transactions and how the merchant services have moved it off themselves.

No problemio! But surely it is all our own responsibility to be "web-wise" when it comes to online purchases?

These extra steps have been introduced to protect us even more from online fraud, and, IMO, should be your own responsibility in the first place and not that of the banks.

Yes, but my original point stands - if the banks require passwords to be stupidly difficult for a 36 year old bloke to remember what chance has your granny? I had a work password sent to me - that I need every day - which is 11 characters long, contains 3 upper case letters, 7 lower case letters and a number. How long before I am forced to use something similar for my card? The more complicated you make a process the more likely people are to write down passwords, making it inherently LESS secure.