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0 pointsmcv1mo ago0 comments

I still don't think contactless works across the internet.

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3 comments · 1 top-level

I think this is the point, they have different use-cases.

Contactless requires the acceptor to have a specific piece of hardware that comes with a contract.

The QR code is an image, that AFIAK contains instructions on a specific transfer (target account number, amount, reference etc) in a machine-readable format, that the sender can chose to scan and accept or not.

Neither is "better", they have different uses.

mytailorisrich1mo ago

You don't need a QR code "across the internet". A QR code is for in-person payments. That may be convenient for private individual to private individual (which is a niche market) but for stores or things like transport contactless, which we already all have, is clearly superior UX and there is neither a demand nor a point in having QR codes instead.

My take-away from this tedious thread is that Wero does not currently support contactless. It is fine to admit it (I don't why people turn into fanboys over randopm things) but that does make it of limited use for in-person transactions apart from niche use-cases and, certainly, this means NOT "Goodbye to Visa and Mastercard" just yet.

mcvOP1mo ago

Wero doesn't support contactless because it's a different use case. Contactless is only for in-person payments. Wero is for internet payments. QR codes can be used for either, but I mostly see them in internet payments. When I buy something on Steam, I can get a QR code for my iDeal payment through my phone app. I'd expect Wero to support that too. And that means you can use it for in-person payment if the seller has or can produce a QR code, but that's not the primary use case for Wero, because we already have contactless.

Although contactless through banking app go through Google Wallet these days, which I hate, so I would prefer if there was a European alternative for that. Could be part of Wero, but it doesn't have to be. As long as it's not part of Google.

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