Uber (when it first came out) you could just take a photo of your card and then tap in the security code yourself. It seemed to work decently well back in 2014.
It is nice how easy it is with Apple to cancel subscriptions. None of this NYT style, you need to call this number and go thru a couple hoops to do something that should be easy as a button click.
Which is silly because it's better for the consumer to deal with individual companies rather than go through one provider for everything. Amex already protects me from fraudulent online purchases. If I get ripped off Apple by buying one of the apps they sell, charging back risks putting my entire account with them at risk.
The last thing that I want to do is to deal with Amex to cancel a service under the "fraud" pretense. For once, it would require me to get a new card with a new number. It will also require me to talk to Amex. And it may also require me to fill out paperwork and fax said paperwork ( granted, it was CapitalOne and not amex but it is still the same point).
Here's what I want to do to cancel something: Click on play store. Click on subscriptions. Find the one I don't want. Click on "Cancel", click on "yes, cancel"
I'm going to bet you aren't tinder demographics ( which is basically 18-30). These people grew up on the internet and they grew up on easy payments. It is paypal/venmo/applepay/google pay. Credit cards ( not revolvers, but credit cards as a method of accessing a revolver ) is a relic of previous century.
> The last thing that I want to do is to deal with Amex to cancel a service under the "fraud" pretense.
So, rather than get your money back from a fraud, you'd just let them have the money and you'd just cancel the subscription?
Or are you talking about lying and committing fraud yourself by claiming "fraud" when there was actually none and you just wanted to cancel a subscription?
Which one is it? I just want to understand which one you are talking about here. It can only be one or the other in the context of your comment.
It's a subscription, right? So I subscribed, they had no way of "charging me" and they have no way of continuing to charge me. When I no longer want for them to charge me I click on "Cancel" and they can't continue to bill me because they have no credit card information.
If it charged me for a month extra that i don't know, i get a notification and get it refunded via Google play store the same day.
That's the current workflow. Single location. All Google Play based subscriptions. No need to deal with a card replacement.
Same reason I use Paypal where possible. There's a list of organizations that are allowed to charge me without my interaction (like recurring payments) and I can cancel them whenever I want from Paypal UI instead of figuring out a random business' arbitrary, hostile cancelation flow.
The best possible outcome of this is that Apple and Google lower their fees. I'd rather we not move to a system where every app and app developer is responsible for managing payments directly.
