How Apple and Samsung Pay solve the chip and pin card problems
Just in case you are new to travel in Europe, using credit cards can be a different experience than in the States. Despite cards used in the USA now having a chip, few have pins. Apple Pay and Samsung Pay to the rescue.
The vast majority of credit cards issued in the USA are “chip and signature.” The reader reads your chip and you sign. While most readers in Europe you enter a pin much like an ATM card. Although most shops and restaurants still have card readers than can accept swipe or chip and signature. There will be times such as kiosks for trains, gas pumps or even vending machines when a chip card that isn’t pin enabled will not work.
You will notice a wireless symbol on many credit card readers these days. Here you will be able to use you card using NFC (near field communication). If you have your credit card information in your mobile device and use Samsung Pay or Apple Pay you can simply use your phone to pay. You are able to bypass the need to have a pin or wireless enabled card. Lack of a pin problem solved!
It is relatively quick and easy to set up Samsung or Apple Pay. Once you have done this, paying with your phone is actually more secure. Everything is encrypted and the vendor, store or hotel will never actually “see” your card number. When the clerk has rung up your bill simply hold your phone a few inches from the reader. Next you will be asked to enter you passcode or fingerprint on YOUR PHONE to complete the transaction. It’s that easy, safe and secure.