Amex? Useless outside the USA possibly? No one here accepts it in the UK.
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Cheshire SK11 9RX
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> On 29 Jul 2022, at 03:06, Matthew Geier matthew@...> wrote:
>> On 28/7/22 22:20, Ron Stux wrote:
>> Better specify that this means an Australian bank issued card. Luckily
>> I brought a few AUD with me on my trip because it was a surprise to
>> find I couldn't use my US credit card in the myki machines. No problem
>> purchasing the card with the initial top-up at the store at Southern
>> Cross station with my US credit card. But the first time I tried to
>> top up again - oops.
> Turns out while there a 'standards' for authenticating credit cards,
> there are too many 'options' and every countries banking system has
> different quirks on these options. I've never travelled to the US, but...
> Australian 'chip' cards with PINs are not recognised as such in the UK
> or France and the terminals fall back to 'signature required' often to
> the surprise of the checkout operator. This mean that while we could use
> a Visa Debit card to purchase train tickets in France, we had to go to a
> window, the vending machines couldn't do a PIN verification with our Aus
> (I have a Visa Debit and a Mastercard Credit (so different providers)
> with free international transactions.)
> Most UK machines could fall back to 'online' PIN verification but not
> all. UK chip-n-pin stores the PIN in a encrypted file on the chip that
> the terminals know how to access, so they can do 'offline' verification.
> I think the French do as well, but differently to the British (of course).
> My Australian cards worked fine on London's Oyster system.
> The rise of Apple and Google payment systems using the NFC chips in
> phones has pushed the state of this a long way towards some sort of
> international harmonisation.
> My collection of 'foreign' transit cards will be come collectors items :-)
> Tourists not having or nor knowing about Myki shouldn't be an issue
> going forward. Any tourist is almost certainly going to have some sort
> of contactless payment card backed by a major banking cartel with
> international affiliates and partners so the system will accept it.
> But not quite there yet.
> The laggards in all this are actually the US banks.....
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