Originally Posted by
invisible
Former. Otherwise there would be same amount across different countries but it is different. Don't know what is limitation in US/EU/AU, for Russia for example it is equivalent of USD $20, for Singapore it is SGD $100.
The card networks have their own management and rules for each country/region so it's very possible that it's set on a per-country basis that way.
Originally Posted by
der_saeufer
The standard restaurant POS systems for table-service restaurants in the US still use swipe-and-sign, so as long as your card has a mag stripe you'll sign the slip like everyone else--even if your card's EMV implementation doesn't support signature at all.
PINs wouldn't work with the current setup because the charge is finalized later based on the handwritten tip amount on the receipt.
While that's still extremely common, I have been to several restaurants (CPK as noted above, among others) where they basically attached PIN pads that look similar to what Subway and Starbucks use to the side of their POSes. Cards are still taken away and brought back; the difference is that "chip read" or similar is on the receipt instead of "swiped". Unfortunately some of those didn't do a complete job and still left PIN support turned on, which could cause issues for people with foreign cards.
IMO the card networks should have flat out said "the US will not adopt PIN" (instead of leaving it to the banks to de-facto adopt that position) and made changes to the rules to ensure that it's never asked for domestically. Or actually mandated PIN on our cards, but I feel like there'd be more merchant resistance that way.
Originally Posted by
cardsqc
Heck, I run into that a lot in the US. I'm amazed at the number of clerks I run into that say that's the first time they've ever seen someone pay with their phone. Plus the inevitable "we're not set up for apple pay" then looks of amazement when the samsung pay works. And I live in a college town, I'd have thought it'd be far more common for people to be using their phone here.
I suspect most people are perfectly okay with physical cards, chip or no. The seemingly "universal" complaining is in reality a very loud few.
I also suspect the mobile wallets get far more use in apps like Panera and Starbucks than for in-person purchases but I don't have the numbers offhand.