I get it, but you realize that the OP just waved one hand and was done (with paying, getting his discounts and points, etc.).

When we have to reach for the phone, unlock it (with biometric), tap to open the Whole Foods app, and then present the phone to scan a QR code.

While it might be not much more, it is more than just show one hand.

I believe it’s even quicker to ask Siri to open the Whole Foods app. You don’t need to touch anything and Face ID will unlock the phone while you’re talking.

Paper checks aren't nearly so common for anything other than maybe a local tradesman or if you're renting from an individual. It's not uncommon to see high traffic places like gas stations refuse paper checks outright, or only accept them from local banks, as the onus is on the receiver if it doesn't clear.

NFC payments have been around for a bit but are only recently very widespread, COVID really pushed that forward.

The only notable big name holdout is Walmart. Somehow, they're still on either chip+pin or magnetic stripe cards only.

We literally started rolling out chip-and-pin after tap-and-go was already rolled out in England (and presumably elsewhere). It made no fucking sense because it was obviously going to be replaced again, and chip-and-pin is a miserable experience. All it did was annoy everybody for several years.

I mean the physical credit cards didn’t have tap to pay most of the time until very recently. NFC has been around for a long time.

Thankfully no signatures involved. You roll up, swipe/dip/tap your card in a reader on the gas pump, enter your postal code (archaic security measure from the pre-chip card era), wait a few moments for the electronic authorization (they pre-authorize an amount in the $75-150 range), then pump, and leave.

If you are paying cash, you generally have to go inside before pumping and prepay, and then go back inside afterwards to get your change, if applicable.

That used to be typical in the US as well. I think that when pay-at-the-pump became the norm (using a card), prepayment became expected even when paying with cash inside, at around the same time. I expect there are some gas stations here and there in the US that still operate the way you describe though.

An increasing number of gas stations are completely unattended though — the attached store might close overnight but the pumps are still usable.

I only did it once in America and this was some years ago so maybe it's changed... but basically you have to somehow pay in advance. How do you do that without knowing how much petrol you'll need? Very good question! If I recall I basically overpaid and they refunded me or something like that. Crazy.

I like linking to the Amazon account because apart from the discounts (which are nice), it puts the receipt in my Amazon orders list. Yes, at Gus's there's no such linking feature or discount and I just tap my watch after selecting the appropriate card.

Amazon's app is just like what you describe. It is extraordinarily slow and needs a high-speed data network.

I would love that, but it doesn't seem to happen for me if I use the credit card that I have linked to my Amazon Prime membership as the payment method. When I tap it doesn't recognize my Prime membership. Do you have the Amazon Prime credit card perhaps?

The reason why I did the QR code and watch tap thing prior to the palm thing is that I didn't want to carry a single-use credit card.

I'd love the functionality you're talking about. Do you remember how you set it up to get that? Would love to have my grocery card automatically recognized as being linked to a Prime membership.

Hard to spoof. Not hard to collect.

> A grainy image of your palm

I really doubt getting a reasonably good image of my hand is tough for Amazon. But they don't really need my palm at all; most of the point of that was probably that it'd be much freakier to normies if the self-checkout just said "hi Bob!" when you got close via facial recognition.

> Then tying that to your identity is very hard and takes manhours…

That seems deeply unlikely. I'm probably on 50 different cameras at a Whole Foods, some of which I'd never notice, and at some point I have to check out, which ties all that footage to a credit card and my Prime account if I don't want to pay the non-deal prices for everything.