[gruez]

how's that any different than payment processors like square, which allows just anyone with a cellphone onto their platform?

>the store clerk will usually just accept on his private phone and put money in the till for you

is that really a thing people do? the risk-reward ratio is all off. you take on the risk of possibly getting a chargeback (maybe the phone/account was stolen), in exchange for... nothing? it's not like the cashier is getting paid commissions.

[em500]

Alipay and WeChat pay don't do chargeback, so where's the risk to the clerk? They're mainly replacing cash / direct debit, which don't provide chargeback either.

[tluyben2]

Slightly offtopic; how easy is it to do chargebacks over there as it sounds trivially easy? On my dutch and spanish creditcards I have tried chargebacks but it is a royal pain in the ass; writing letters (in the actual post, not digitally) and providing proof for obvious things like hotel double charge.

[frockington]

As an American my experience has been clicking on a button on my account statement that says "Report suspicious" and then getting a refund in two days