Sorry card only ...

[Frank7]

RizzoTheRat said:

Quite a lot of other ways of doing this these days, for example paypal only needs their e-mail address, snapchat can sent money to other users, or systems like Paym that pay to mobile numbers. Mobile to mobile payments are a big thing in the third world where phones are one of the most reliable infrastructure networks.

Thanks for that Rizzo, proof positive that my kids are right, "you're a f***ing dinosaur dad, snapchat is not a nasty riposte, it's social media."

[768]

Ziplobb said:

I don't have a amartphone for one thing

[ROSSinHD]

Roman Rhodes said:

alock said:

Roman Rhodes said:

How do you pay £25 with £20 notes?

I would never be in that situation. That's like asking someone who plans to use Apple Pay how they would pay the bill if they didn't have their phone.

In my wallet now I have 2x£5, 1x£10 and 8x£20 notes. This is typical and not an exception. Some people are over thinking this and trying to make their lives harder than they need to be.

I have't even mentioned the biggest advantage of cash. Waitress brings bill to table. I put the cash down and leave. I don't have to wait for her to return and process a payment.

To be fair, it was oyster that asked you the hypothetical question: "So when all you have on you is £20 notes and the split bill becomes £21, what do you do?"

Just saying it would never happen to me isn't much of a response!

I would imagine judging by the willy waving on here that those people would just give £40 leaving the £19 as additional tip and sleep easy that no one thought they were tight whilst also whinging to themselves that they paid over the odds for what they ordered.

[RizzoTheRat]

Frank7 said:

Thanks for that Rizzo, proof positive that my kids are right, "you're a f***ing dinosaur dad, snapchat is not a nasty riposte, it's social media."

I will admit I've never tried one of those though. If I'm splitting the bill with mates in a restaurant we just get the bill while we've still got some drinks left so not in a rush. However any country trying to go down the cashless route is presumably going to be investing in this kind of stuff.

Went on holiday to Iceland a few years back and didn't need cash at all, even the dive guide took cards in a carpark several miles from the nearest building. Unfortunately the last night we were there we ordered pizza on the phone to then go back and spend the evening in the B&B hot tub, but when we went to collect the pizza they apologies they didn't have one of the ingredients so refunded us some of the price in cash

[OldGermanHeaps]

There will be a lot of resistance until the banks stop ripping off small businesses with high transaction fees. That cost has to go somewhere.

[ClaphamGT3]

Ziplobb said:

shakotan said:

Six friends go out for a meal. You get the bill, decide what total tip to add, split the bill between 6, call the waitress over and have her put through one single transaction on the machine the full amount on one person's card, whilst the five other friends do a quick online transfer for their agreed split..

Really ? I really could not be bothered I don't have a amartphone for one thing and asking everyone for a sort code and account number when I can just leave a couple of bits of paper on the table.. I always have a few hundred quid on me it saves so much time - we were out the other night and I asked for the bill put my £70 on the table and then had to wait another 10/15 minutes for the waitress to bring over the card machine for my friend to pay

Very much this. I went out for drinks and a curry with some of the other Dads from my daughters' school last week. Eleven of us ranging in age from mid thirties to late forties and all of us used cash in the pub and paying for the meal.

Particularly in the restaurant the difference was between someone saying "£30 each guy's" and the conversation going on whilst everyone put their cash in and all the cocking about with 11 different card transactions taking up 20 minutes of the evening was great

[irocfan]

With the repeated dire warnings of brownouts over the coming decade I'd have thought that cashless might be somewhat imprudent

[SHutchinson]

I got a new phone yesterday evening. I paid for a coffee and a cheese scone with it this morning. I quite like Apple Pay. Despite having the cash in my pocket I wanted to try it out, it's so easy. Cash is dead, probably, eventually.

[bad company]

SHutchinson said:

I got a new phone yesterday evening. I paid for a coffee and a cheese scone with it this morning. I quite like Apple Pay. Despite having the cash in my pocket I wanted to try it out, it's so easy. Cash is dead, probably, eventually.

I have Apple Pay on my IWatch, I literally pay with the watch which is very convenient. Best of all is on the London tube and buses. I just press a button on the watch, hold it to the card reader and the barriers open. The fare is paid just like an Oyster card.

I still say there's a place for cash though.

[STe_rsv4]

Ziplobb said:

shakotan said:

Six friends go out for a meal. You get the bill, decide what total tip to add, split the bill between 6, call the waitress over and have her put through one single transaction on the machine the full amount on one person's card, whilst the five other friends do a quick online transfer for their agreed split..

Really ? I really could not be bothered I don't have a amartphone for one thing and asking everyone for a sort code and account number when I can just leave a couple of bits of paper on the table.. I always have a few hundred quid on me it saves so much time - we were out the other night and I asked for the bill put my £70 on the table and then had to wait another 10/15 minutes for the waitress to bring over the card machine for my friend to pay

The question I'm asking myself when reading all this garb about which method to pay to save time is "Why the rush"?!
Is the company you keep that terrible that the bill must be paid and table evacuated within seconds of finishing your meal?
I can't remember a time Ive been out with friends and felt the need to have the bill paid within nanoseconds to get away from each other

[ClaphamGT3]

James_B said:

ClaphamGT3 said:

Very much this. I went out for drinks and a curry with some of the other Dads from my daughters' school last week. Eleven of us ranging in age from mid thirties to late forties and all of us used cash in the pub and paying for the meal.

Particularly in the restaurant the difference was between someone saying "£30 each guy's" and the conversation going on whilst everyone put their cash in and all the cocking about with 11 different card transactions taking up 20 minutes of the evening was great

"Guys" is plural, so you don't need an apostrophe in it.

An apostrophe would normally be used to denote the omission of letters, or possession. For plurals, like here, you can just use "guys".

Pesky auto-correct on the I-pad.

[Frank7]

ROSSinHD said:

I would imagine judging by the willy waving on here that those people would just give £40 leaving the £19 as additional tip and sleep easy that no one thought they were tight whilst also whinging to themselves that they paid over the odds for what they ordered.

I may have misjudged your inference here, if so, please accept my sincere apologies.
I took from your "willy waving" reference, that you felt that the posters, (including myself), who'd said that they almost always had a bit of cash on them, were boasting a bit.
It may have been a generational thing, older people more accustomed to being paid in cash, and not having their salary/wages, paid into their bank.
Because I worked for years in a cash oriented business, taxi driving, I nearly always had cash on me when I went out, this never made me feel superior to friends who rarely had any, and used cards all the time.
In fact, an architect friend of mine used to call me 'the bank of Frank.'
When we dined together, he had no need to use an ATM, if the bill came to £100, I'd pull up £50 cash, he'd take it, and pay by card.

[Jimmy Recard]

Frank7 said:

I may have misjudged your inference here, if so, please accept my sincere apologies.
I took from your "willy waving" reference, that you felt that the posters, (including myself), who'd said that they almost always had a bit of cash on them, were boasting a bit.
It may have been a generational thing, older people more accustomed to being paid in cash, and not having their salary/wages, paid into their bank.
Because I worked for years in a cash oriented business, taxi driving, I nearly always had cash on me when I went out, this never made me feel superior to friends who rarely had any, and used cards all the time.
In fact, an architect friend of mine used to call me 'the bank of Frank.'
When we dined together, he had no need to use an ATM, if the bill came to £100, I'd pull up £50 cash, he'd take it, and pay by card.

It's not.

It's about people boasting about how much they are happy to spend and how much they leave as tips

[ROSSinHD]

Roman Rhodes said:

alock said:

Roman Rhodes said:

How do you pay £25 with £20 notes?

I would never be in that situation. That's like asking someone who plans to use Apple Pay how they would pay the bill if they didn't have their phone.

In my wallet now I have 2x£5, 1x£10 and 8x£20 notes. This is typical and not an exception. Some people are over thinking this and trying to make their lives harder than they need to be.

I have't even mentioned the biggest advantage of cash. Waitress brings bill to table. I put the cash down and leave. I don't have to wait for her to return and process a payment.

To be fair, it was oyster that asked you the hypothetical question: "So when all you have on you is £20 notes and the split bill becomes £21, what do you do?"

Just saying it would never happen to me isn't much of a response!

I would imagine judging by the willy waving on here that those people would just give £40 leaving the £19 as additional tip and sleep easy that no one thought they were tight whilst also whinging to themselves that they paid over the odds for what they ordered.

[jamoor]

Tipping is for fools anyway, it makes no sense whatsoever in the UK.

[Craikeybaby]

RizzoTheRat said:

Frank7 said:

shakotan said:

Six friends go out for a meal. You get the bill, decide what total tip to add, split the bill between 6, call the waitress over and have her put through one single transaction on the machine the full amount on one person's card, whilst the five other friends do a quick online transfer for their agreed split..

I didn't know whether to laugh or cry at this, for a start, I've done cash transfers via my phone, it's simple, but only if you know the payee's a/c # and sort code.

Quite a lot of other ways of doing this these days, for example paypal only needs their e-mail address, snapchat can sent money to other users, or systems like Paym that pay to mobile numbers. Mobile to mobile payments are a big thing in the third world where phones are one of the most reliable infrastructure networks.

iOS 11 has a user to user update to Apple Pay too, so I can see this sort of transaction becoming even more common.

[Terminator X]

http://www.bbc.co.uk/news/technology-41346717

Payment by finger now too!

TX.

[C Lee Farquar]

SantaBarbara said:

When we went out for meals as a group of civil servants in Accounting we would usually take thirty minutes to divi up

Many years ago I went out with an accountancy student who house shared with another. They logged, pre Excel, the length of all phone calls on the landline to divide the cost.

When the bill came they were miles out and spent days recalculating.

[NickCQ]

ROSSinHD said:

I would imagine judging by the willy waving on here that those people would just give £40 leaving the £19 as additional tip and sleep easy that no one thought they were tight whilst also whinging to themselves that they paid over the odds for what they ordered.

You joke but one of the reasons I hate cash is that the effective cost of everything you buy is rounded up to the nearest £5 or sometimes £10. You get a pocket full of shrapnel which has inevitably disappeared by the next time you need to buy something. I use cash once every few months as my barber doesn't take cards for some reason, and that's it!

[C Lee Farquar]

I haven't used a credit card, other than online and French tolls, for 15 years. I don't know any pin numbers, don't know how you pay using a phone or how contactless works.

Vive la difference!