Issues when paying fare with a foreign bank card

[Wallsendmag]

Only LNER TVMs have this functionality in my experience. Very convenient as well

If we have it, it's very likely Northern and Chiltern also have it.

 

[Steddenm]

If we have it, it's very likely Northern and Chiltern also have it.

Northern do have NFC functionality for collecting tickets, and as do ticket offices when they print ToDs.

 

[AlbertBeale]

Public Transport is to cater for the majority, the mainstream - and a substantial majority at that. However, it is not there to pander to individual tastes and hang ups. In much the same way as Telegrams, Public Call boxes, postal orders, cheques, trains to Yelvertoft & Stanford Park, cash on London buses etc have disappeared, even though, no doubt, there were some people using these facilities and some of those having concerns about using their replacements. The country has not ground to a standstill, and there haven't been widespread social problems as a result, even if it has upset some individuals.

Cheques haven't disappeared by any means; I receive cheques from time to time - and in most of those case there would be no easy way for me to be sent the payment other than a bunch of fivers in an envelope...

== Doublepost prevention - post automatically merged: 26 Feb 2022 ==

Quite. People really should stop worrying about what other countries think of us for very minor things like having a solid banking system with good anti-fraud measures.

Are people still moaning you can't pay in cash on the buses in London any more? No. Onwards!

But British banking doesn't have good anti-fraud measures - financial fraud (mostly facilitated by electronic banking systems) is an increasing proportion of total crime now (as well as increasing in absolute terms), as has recently been widely reported.

Certainly quite a few people do still moan about not being able to use cash on a London bus as at least an emergency back-up.

And I'm not sure that "onward" is a good description of a world where anonymous financial transactions are getting harder and harder, including for small amounts; there are still some people who prefer not to have their every move monitored and logged.

 

[Haywain]

Cheques haven't disappeared by any means; I receive cheques from time to time - and in most of those case there would be no easy way for me to be sent the payment other than a bunch of fivers in an envelope...

BACS bank transfer is simple enough and available to everyone with a bank account. PayPal also facilitates a very simple means of transferring money.

 

[RT4038]

Cheques haven't disappeared by any means; I receive cheques from time to time - and in most of those case there would be no easy way for me to be sent the payment other than a bunch of fivers in an envelope...

Using cheques to pay for items in a retail environment, rather than more niche business transactions. Very few cheques are written/issued now, compared to 30 years ago, and I daresay it won't be that long before their use is discontinued

.

 

[AlbertBeale]

BACS bank transfer is simple enough and available to everyone with a bank account. PayPal also facilitates a very simple means of transferring money.

BACS requires paperwork and/or internet access (and requires knowing details of the recipient's bank account); for some people in some situations, putting a cheque in the post is the only easy option. (By the way, there are good reasons for not going near PayPal... which in any case requires on-line access.)

 

[AlterEgo]

BACS requires paperwork and/or internet access (and requires knowing details of the recipient's bank account); for some people in some situations, putting a cheque in the post is the only easy option. (By the way, there are good reasons for not going near PayPal... which in any case requires on-line access.)

BACS can be done in branch or over the phone at most (all?) high street banks.

 

[AlbertBeale]

BACS can be done in branch or over the phone at most (all?) high street banks.

Yes - I know that a transfer can be set up in your bank branch; but that's still not as easy as popping something in the post. And banking over the phone requires setting up security and so on, and knowing the bank details of the recipient.

 

[island]

BACS can be done in branch or over the phone at most (all?) high street banks.

No it can't. BACS is only available to corporate customers nowadays and must be submitted online. But Faster Payments can be initiated over the phone or in branch, as well as online, from most if not all current accounts.

 

[Bletchleyite]

No it can't. BACS is only available to corporate customers nowadays and must be submitted online. But Faster Payments can be initiated over the phone or in branch, as well as online, from most if not all current accounts.

I'm not sure this is helpful, even if technically correct. "BACS" is a common phrase used very widely to simply mean "bank transfer", and it's held that usage because "I'll Faster Payments that to you" sounds weird. (People could of course say "transfer", but more people probably "Hoover" the house than "vacuum" it even if they're using a Dyson - people like brands.

I remain surprised the banks didn't come up with a pronounceable "nonsense word" brand for Faster Payments so it would gain that usage, to be honest. I know it's an airline so that wouldn't have done specifically, but people I reckon would say something like "I'll Wizz that over to you".

== Doublepost prevention - post automatically merged: 27 Feb 2022 ==

BACS requires paperwork and/or internet access (and requires knowing details of the recipient's bank account); for some people in some situations, putting a cheque in the post is the only easy option. (By the way, there are good reasons for not going near PayPal... which in any case requires on-line access.)

For many years, in Germany, transfers have been able to be made on a paper slip which you take or post to your own bank. That system could easily operate here, and is what should have been done instead of retaining cheques.

== Doublepost prevention - post automatically merged: 27 Feb 2022 ==

And banking over the phone requires setting up security and so on, and knowing the bank details of the recipient.

Because you can't do an awful lot with those details and nothing else* other than send them money, it is universal, in Germany, that they are on the letterhead of every organisation.

* OK, you can set up a direct debit. These are however fully reversible, and it's really about time additional verification such as a phone call/text was required for setting these up.

 

[island]

I remain surprised the banks didn't come up with a pronounceable "nonsense word" brand for Faster Payments so it would gain that usage, to be honest. I know it's an airline so that wouldn't have done specifically, but people I reckon would say something like "I'll Wizz that over to you".

"Swish" serves this purpose in Sweden. We do have PayM here which is a poorly-adopted system using mobile phone numbers. But...

"BACS" is a common phrase used very widely to simply mean "bank transfer"

I can't say I've ever heard anyone use "BACS" as a verb or anyone outside this forum use it as a generic term for bank transfer.

Regardless, I fear I've dragged the thread off topic enough

 

[AndyNLondon]

Is it worth mentioning that away from the railways, in small businesses it's increasing common to see card readers that don't have a magstripe reader at all, and so can only handle chip or contactless payments?

 

[Joshua_Harman]

Is it worth mentioning that away from the railways, in small businesses it's increasing common to see card readers that don't have a magstripe reader at all, and so can only handle chip or contactless payments?

Yes, Ive also had issues at some places, it seems to be those mobile type ones like square and sumup that dont take it.

 

[plugwash]

I remain surprised the banks didn't come up with a pronounceable "nonsense word" brand for Faster Payments so it would gain that usage, to be honest.

AIUI the creation of faster payments was essentially forced on the banking industry by the regulators. Banks were quite happy to leave their customers with the choice of having their money sit in limbo for days during a BACs transfer or pay £25 or so a shot for CHAPs.

I suspect that the banks would rather people used faster payments than used cheques, since on person to person transactions they get no income from either and the incur more costs with a paper based process than a purely electronic one, but they would be happier still if people use credit/debit cards for which they get to charge merchant fees in conjunction with a service like paypal.

 

[nanstallon]

BACS requires paperwork and/or internet access (and requires knowing details of the recipient's bank account); for some people in some situations, putting a cheque in the post is the only easy option. (By the way, there are good reasons for not going near PayPal... which in any case requires on-line access.)

What are the good reasons for not going near PayPal?

 

[Class800]

"Swish" serves this purpose in Sweden. We do have PayM here which is a poorly-adopted system using mobile phone numbers. But...

I can't say I've ever heard anyone use "BACS" as a verb or anyone outside this forum use it as a generic term for bank transfer.

Regardless, I fear I've dragged the thread off topic enough

A society I am in that is nothing to do with rail uses BACS to mean bank transfer - e.g. please BACS the Treasurer

 

[rvdborgt]

AIUI the creation of faster payments was essentially forced on the banking industry by the regulators. Banks were quite happy to leave their customers with the choice of having their money sit in limbo for days during a BACs transfer or pay £25 or so a shot for CHAPs.

Wow, that's greedy. I have a few bank accounts but immediate transfers (under various names) are in the range of 1 to 3 EUR.

 

[Bletchleyite]

A society I am in that is nothing to do with rail uses BACS to mean bank transfer - e.g. please BACS the Treasurer

I hear it a lot myself.

== Doublepost prevention - post automatically merged: 2 Mar 2022 ==

Wow, that's greedy. I have a few bank accounts but immediate transfers (under various names) are in the range of 1 to 3 EUR.

Most immediate transfers in the UK are now £0. CHAPS is only used for high-value transactions these days, e.g. house purchase, where £25 is really inconsiderable among the other costs, and it pays for the transfer to be guaranteed to take place at the specified time, necessary to ensure the progression of a chain of house sale.

 

[Haywain]

I hear it a lot myself.

Yes, and I've never heard anyone say "I'll send it by faster payments".

 

[Bletchleyite]

Yes, and I've never heard anyone say "I'll send it by faster payments".

Indeed, it's too much of a mouthful, and it was always promoted as a project to speed up BACS rather than a thing in itself like CHAPS is.

 

[Y Ddraig Coch]

Cheques are interesting these days, if anyone sends me a cheque now , I can scan a picture of it on my mobile banking app and then that's it, it is in my account in 24 hours, no visiting the bank or anything needed. Very handy for the few cheques still received.