How do you pay in shops, pubs, restaurants etc

Discussion in 'General Discussion' started by gordonthemoron, 13 Sep 2018.

Do you use Card Payments of Cash

  1. Card Payment (contactless or pin)

    75 vote(s)
    81.5%
  2. Cash

    17 vote(s)
    18.5%
  1. Typhoon

    Typhoon Member

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    Totally agree. I have selected 'cash' because I make more cash transactions but, for large transactions, I pay by card (reasons as in #30) so the value of my card transactions might well be larger (for the places listed in the title of the thread).
     
  2. 61653 HTAFC

    61653 HTAFC Veteran Member

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    Whatever I feel at the time. Since contactless came in, I'll use it for small purchases that I'd never bother using chip and pin for. I don't use Android pay as I trust Google as far as I can throw them (watch me get banner ads for Android pay now!). I don't use contactless on TfL though, as my Oyster is easier to access than getting my wallet out at a crowded gateline. Not that I'm in London much anyway.
     
  3. route101

    route101 Established Member

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    I used contactless in London last month and was a bit awkward getting my debit card out on a crowded gateline.
     
  4. route101

    route101 Established Member

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    Yeah , leap of trust in corner shops with chip and pin machines , who knows they might be collected card details ? Same in restaurants with chip and pin machines . I use only bank cash machines and if possible inside a bank . Dont use ones that are attached to a corner shop or look like they dont get used often
     
  5. Bald Rick

    Bald Rick Veteran Member

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    Always card. I use cash perhaps once every two months.
     
  6. Billy A

    Billy A Member

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    I use Google Pay as it's easier getting my phone out than a card!
     
  7. route101

    route101 Established Member

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    Yeah seen many get out phones to pay , not really considered the idea !
     
  8. Essan

    Essan Member

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    No, I don't take cards - cash (or cheque) only. Anything to annoy the banks :D

    (It's an antique business and customers usually expect to pay cash - but there's a cashpoint nearby for those who didn't. I may lose half a dozen sales a year from people who wanted to use a credit card, but it has very little impact on my trade and the money saved (from transaction fees) more than compensates)

    I do also accept payment by direct bank transfer and paypal. I think the former may take over from cards in a few years.
     
  9. Gemz91

    Gemz91 Member

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    Always use cash still. Quite often catches people out in certain shops and restaurants when they hand you the card machine straight away before realising you want to use cash.

    Was surprised to see Bradford (Park Avenue) have card paying facilities at their turnstiles.
     
  10. Typhoon

    Typhoon Member

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    I like it!

    Also goes some way to eliminating the argument "we've seen branch use drop off by ??% in the last ?? years so we have no choice but to close the branch in wherever."
     
  11. Peter Mugridge

    Peter Mugridge Established Member

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    I still take cash out of the bank the old fashioned way... cheque payable to "self" at the counter...
     
  12. Intermodal

    Intermodal Member

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    You think direct bank transfer will take over cards? But cards are just a direct bank transfer via an convenient agent to identify each bank account. Do you think there will be a phone app that automates BACS?
     
  13. PeterC

    PeterC Established Member

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    The thing about a direct transfer is that nobody is skimming off a percentage.
    Phone to phone transfers have been available for a few years but haven't taken off. I haven't been interested enough to check if there is a fee.
     
  14. Intermodal

    Intermodal Member

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    Direct bank transfers are not convenient enough unless someone simplifies the process (e.g. the current card issuers).

    If someone simplifies the process then they will need to make money by doing so, so there must be some sort of fee somewhere. Alternatively, your data on your transactions is sold somehow (much worse).

    I don't personally see this happening any time soon.
     
  15. sk688

    sk688 Member

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    Put contactless in the voting bit , but I use Google or Samsung Pay for all my transactions now , instead of physical card.
     
  16. Controller1701

    Controller1701 Member

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    I pay in Great British Pounds (Sterling)..... that applies to any location be it pub, shop, train or football stadium.
     
  17. nlogax

    nlogax Established Member

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    Mostly Google Pay or card contactless..pays to keep a debit card in my wallet for those really occasional cash-only situations. Not that I can remember the last time that happened.
     
  18. Macwomble

    Macwomble Member

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    Cards almost 100% of the time. Not a pub person so cash irrelevant, same goes for restaurants/takeaways etc, etc. I can draw out £30 & find it lasts a long, long time.
     
  19. underbank

    underbank Established Member

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    In the aftermath of Storm Desmond, our town had no power for 2-3 days. Everything was cash as there was simply no way of using cards, not even cash dispensers were working. For those without cash available, they were basically unable to buy anything, nor even get a bus/taxi/train. Lots of people stranded and relying on charity/local people to help them out. After seeing that, I make sure I have enough cash on me and some more at home, for when we have the next power outage.
     
  20. PeterC

    PeterC Established Member

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    I normally use Oyster PAYG on the tube as the card lives in an outside pocket where I can reach at the gateline but which would be easy to pick. Maximum loss about £10. Bank and credit cards live in a closed inside pocket.

    I realised that contactless had taken over when I used a new (paid) public loo in Whitby in August and found contactless readers at the turnstile for th 40p charge.
     
  21. trainmania100

    trainmania100 Established Member

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    I keep a very minimal amount of cash on me, usually no more than £20. I like to use cash whenever possible but if I don't have cash or can't be bothered to check I'll use contactless.
     
  22. route101

    route101 Established Member

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    Yeah , next time ill get Oyster , risky getting my card out at the Gateline
     
  23. Howardh

    Howardh Established Member

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    Think I now only pay the milkman and barman in cash! Even the local bus now takes contactless, and looking in my purse I only have a few coppers - so if I go out for a beer tonight I will hit an ATM first.
     
  24. PeterY

    PeterY Member

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    Always cash but card on the internet. I've have friends that have had their cards cloned in some dodgy places. .
     
  25. 507021

    507021 Established Member

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    If it's for drinks then I pay with cash, but if it's for food as well then I pay with my card.
     
  26. Typhoon

    Typhoon Member

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    I didn't know you could still do that!

    Should your bank branch ever close, I would love to hear how the 'Tecxperts' or 'Digital Wizards' explain to you how you can continue banking with them using your preferred methods. More power to your elbow. Nothing annoys me more than the statements like we are all banking/ shopping electronically now. More yes, all no.
     
  27. Howardh

    Howardh Established Member

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    That happened to me. Fortunately the bank picked it up (card had been cloned somehow...still don't know how) and used miles away, twice and must have been flagged. However that's not the story...

    The bank rang me wiht an automated call "we think you have been a victim of fraud...etc" and - I ignored it as I thought it was one of those spam fraud phone calls. Hours later it rang again, same message, ignored it again :oops: so the card could well, by then, have been travelling the globe!

    However I check my balance on-line nearly every day, and after that second call decided to check anyway, and nothing untoward showed up. However - something I had not done before - I clicked on "recent transactions that haven't been deducted" and, hey ho, there were two which weren't mine + a £2 charge from Tesco for card checking (what't that?? anyway it wasn't my check) so immediately rang the bank, got through after 45 mins wait <(, apologised profusely for ignoring their calls (they understood), got the two purchaes cancelled and refunded, the card cancelled and a new one arrived two days later.

    Point being the system worked, but surely there's a better way for a "real" bank to contact the customer to ask if recent purcheses are genuine??

    Meanwhile, I learn that the bank will flag up suspicion if you type your password or pin number too slowly/quickly (never mind keep getting it wrong) than normal which I find reassuring. I think?
     
  28. Howardh

    Howardh Established Member

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    R/e "real" banks, when dad passed away and I executed his affairs/probate, I was so glad to have a branch open just a mile away. Frome there I could hand over documents, signatures and even my ID in their office, and wait while they organised stuff in the background. Wouldn't know what would happen without - Maybe a 13-mile ride into Manchester? Or everything through the post, which means sending wills, probate docs, statements, passports/ID and all the rest of it which would be worrysome, never mind time-consuming?
     
  29. PeterC

    PeterC Established Member

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    Trouble is that branches don't actually provide the services any more, they are just there to sell things. All they did when my mother passed away was forward all the paperwork to a head office department who took a month to sort things out. A process which would have taken 48 hours in the branch back in the 70s when I worked for NatWest.
     
  30. DarloRich

    DarloRich Veteran Member

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    i try to run off without paying or get my dining partner to pay!

    I use my card for food and cash for drinks unless they are on a combined bill. I tend to use contact less quite a lot now
     

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