They say we have innumerable options of payment today, we should avoid using cash, there is swipe and pay, wave and pay, hassle free payment, paper money, bank transfers, online payment, and a lot other options. I am pretty sure I am forgetting something here.
And yet I don’t rely on them, any time I opt for these “hassle free payments” I stumble across different kinds of hassle.
Just as the options, the problems are unending. Sometimes they accept the payment but when the product comes to be delivered, it says ‘out of stock’ and the money is transferred to not my bank account but an account which I use with the seller. In short I don’t get a refund; the money is there with them, to be redeemed when I buy something from them in the future.
Sometimes, the payment itself does not get accepted. “Your card cannot be accepted” why? Believe me, no one knows the answer. There is money in your account but the process cannot be completed.
So I try to wave and pay, but the man standing next to the machine says, “Ma’am would you please pay in cash, our system isn’t working?”
The nearest ATM never has the cash.
When I try to transfer money online, believe me the process never completes at a single click, I am redirected to the same page 100s of time, the OTP mostly never comes within the 10 minute of which it is to be accepted, and if by some chance I am able to get it after a couple of trials, then the internet speed wins over. The speed is so wonderful, that the process bounces itself.