This article had been submitted earlier:
<a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=10577790" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=10577790</a><p>Apple Pay is the best solution.  It is quick and since Apple sends a token and not the CC number there is perfect security from hackers as long as the bank ensures that the correct CC is entered in the iPhone.  In other words, Apple Pay does not depend on merchants updating their software.<p>Target and later Lowes (and perhaps Neiman-Marcus) were hacked because they were running their POS terminals on Windows XP embedded which had been last updated in 2006 (the embedded version).  Microsoft told the retailers such as Target and Lowes to update their POS terminal software to Windows 7 embedded which is still supported yet they ignored this manufacturer recommendation.<p>At any rate, the quickest, most efficient approach is to use Apple Pay when you can and all retailers should support it for its efficiency of use and its security.