Burger King. No more NFC payments?

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lchiu7

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#237947 26-Jun-2018 14:45

I recall BK launched with quite a fanfare their ability to take Apple Pay and with that Android Pay. And of course any NFC payments card.

But on the last year occasions I visited BK, two different Wellington locations I have noticed their ATM's now are marked no Paywave.

Since Paywave transactions include higher transaction fees versus card swipe I wonder if some bean counter has decided the cost was too high and asked their Bank to remove them all..

Wellington only, maybe it's different across the country?

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#2044139 26-Jun-2018 14:47

Same thing has happened at BK Diners across Auckland.

Apparently old people don't trust paywave they think that they are going to take out more money...

sbiddle

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#2044143 26-Jun-2018 14:52

Paywave transactions costs no more than regular chip transaction.

Credit card transractions however cost more than EFTPOS, and I suspect they've seen growth in the number of credit card vs EFTPOS transactions which has increased their cost.

wellygary

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#2044144 26-Jun-2018 14:54

It certainly appears to be Nationwide

https://www.facebook.com/BurgerKingNZ/posts/10155663919276172

Given the place is owned by a bunch of Private equity Bankers it would not surprise me if they killed off Paywave..

Hashtagtruth

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#2044145 26-Jun-2018 14:56

Definitely a step backwards.

AidanS

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#2044158 26-Jun-2018 15:14

sbiddle:

Paywave transactions costs no more than regular chip transaction.

If a New Zealand issued EFTPOS/DEBIT card is chipped doesn't it run through the local EFTPOS network which has lower/free fees, but if an EFTPOS/DEBIT card is tapped then it incurs the Visa/MC fee as it's now used a different network?

Whereas if a credit card is chipped it uses the Visa/MC network same as if it's tapped so credit card fees are the same, hence why lot's of dairies / takeaways / bakeries don't accept credit card at all but will accept chip DEBIT cards.

Reference: http://www.retail.org.nz/system/resources/W1siZiIsIjIwMTUvMTEvMDYvMTRfMjNfNDBfMjM3X1Rvd2FyZHNfRmFpcmVyX1BheW1lbnRzX0ZlZXNfTm92XzIwMTUucGRmIl1d/Towards%20Fairer%20Payments%20Fees%20-%20Nov%202015.pdf

wellygary

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#2044159 26-Jun-2018 15:17

AidanS:

sbiddle:

Paywave transactions costs no more than regular chip transaction.

If a New Zealand issued EFTPOS/DEBIT card is chipped doesn't it run through the EFTPOS network which has lower/free fees, but if an EFTPOS/DEBIT card is tapped then it incurs the Visa/MC fee as it's now used a different network?

CC transactions either Wave or insert incur Visa/MC fees

The only way to make an EFTPOS transaction is swipe and pin...

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AidanS

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#2044160 26-Jun-2018 15:19

wellygary:

AidanS:

sbiddle:

Paywave transactions costs no more than regular chip transaction.

If a New Zealand issued EFTPOS/DEBIT card is chipped doesn't it run through the EFTPOS network which has lower/free fees, but if an EFTPOS/DEBIT card is tapped then it incurs the Visa/MC fee as it's now used a different network?

CC transactions either Wave or insert incur Visa/MC fees

The only way to make an EFTPOS transaction is swipe and pin...

Yes for credit cards because they don't use the local EFTPOS network at all.

However you can make an EFTPOS transaction by chip-inserting a NZ EFTPOS enabled DEBIT card.

Dairyxox

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#2044173 26-Jun-2018 15:47

They should get rid of electronic payments altogether if they want to keep backtracking advancements & save costs.

While they're at it, get rid of electrical store lighting, and replace it with candles. Imagine the ambiance - customers would love it! A real medieval theme to go with the 'King'.

Electronic cash registers for pencil & paper. etc

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...Luddites.

Rikkitic

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#2044182 26-Jun-2018 16:04

As one with certain Luddite sympathies, I can only applaud the decision to dump pay-wave, not that I have ever darkened the doorway of a Burger King nor would I ever contemplate doing so.

I sniff at pay-wave. It is completely unnecessary, gimmicky and pointless, the ultimate answer to a non-existent problem. It serves only to provide something else banks can charge fees for. Cash is my preferred medium. It doesn't leave a paper trail for advertisers and authorities and it keeps working when the Eftpos system goes down.

Plesse igmore amd axxept applogies in adbance fir anu typos

hio77

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#2044187 26-Jun-2018 16:21

Contactless is probably about 85% of my transactions, the rest being Chip/Swipe depending on card - Which quite honestly is an inconvenience to pull out for low cost items.

i personally hate cash, it's dirty; Germ filled.. Not to mention takes up room in the wallet...

The dinosaurs need to stop clutching onto fees

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Hashtagtruth

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#2044188 26-Jun-2018 16:21

@Rikkitic cash is your preferred payment method? you must be old fashioned.

I agree with @hio77 cash is dirty to handle.

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Handsomedan

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#2044189 26-Jun-2018 16:23

Rikkitic:

I sniff at pay-wave. It is completely unnecessary, gimmicky and pointless, the ultimate answer to a non-existent problem. It serves only to provide something else banks can charge fees for. Cash is my preferred medium.

Couldn't disagree with you more.

The reason that QSR's (Quick Service Restaurants) went down the contactless route in the first place is that they were trying to shift the queue from one place to another to reduce queue abandonment. i.e. from pre-order to post-order. They were also trying to speed up the process of ordering.

When a customer has paid, but has to wait a long time for their food due to queues, they won't walk away - if you haven't yet ordered (and time is critical in these situations at rush-hour) and you have to wait an "unreasonable amount of time" to get fast food, there is little consequence for abandoning the queue and so people do exactly that.

Cash on the other hand carries massive cost to process, issues with Health and Safety of workers (hence the cost of then paying for a security firm to come and collect it) and the issue of store security - you can't steal EFTPOS transactions in an armed hold up.

There have been massive studies done overseas on why QSR's use contactless payments, despite the cost associated with accepting contactless...the benefits have always outweighed the costs.

My gut feeling is that BK are feeling the pinch and are looking for any way to reduce the costs of running their stores (downsize products, reduce staff, clean less often etc) and contactless would cost them thousands a year, so it's an obvious target.

It's not a great look though, because a lot of customers are inconvenienced once the expectation of contactless is there...and with the advent of Apple and Android and Garmin Pay, there will be even more expectation that it will be available.

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Beccara

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#2044190 26-Jun-2018 16:23

It's so much faster and allows for things like google/apple pay, PW makes up 50% of my transactions now

Most problems are the result of previous solutions...

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Rikkitic

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#2044192 26-Jun-2018 16:31

Hashtagtruth:

@Rikkitic cash is your preferred payment method? you must be old fashioned.

I agree with @hio77 cash is dirty to handle.

I am proudly old-fashioned. Also old. And I haven't caught anything from money yet.

Plesse igmore amd axxept applogies in adbance fir anu typos

MikeB4

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#2044196 26-Jun-2018 16:39

I hate handling cash, filthy stuff. I carry hand sanitiser with me and use it if I have handled cash. I try to to do all transactions electronically. A bonus of electronic is you have a record of all your transactions, great for finding ways to save money.

Here is a crazy notion, lets give peace a chance.

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