Which means that any institution that has this kind of post-receipt tip is running the card as a credit transaction. As is verified by the fact that I’ve never entered a debit card PIN for a restaurant transaction where the card is taken away by the server to the terminal, swiped, and signed later.
Trust me. Any debit instrument used in the current US retail environment can be run as a credit transaction, in order to support credit-style transaction protocols.
Screw that noise. I’d rather have full authority over my phone, and if that invalidates it for financial transactions, whatever.
The status quo works well enough. I have come to believe that the fact it puzzles Canadians and Europeans to be a bonus, not a liability. 
Paying by smartphone works in Canada through your bank’s secure and guaranteed mobile app. It does not work on rooted phones.
The status quo may work fine for you in the US but it puzzles us because it’s different from what we’re used to.
Thanks for that information.
I have a square mag stripe reader in a drawer somewhere. When it was first introduced one of the target markets was being able to accept credit/debit payments from your friends (e.g. to “square up” after a group night out). The reader was free and the fees are somewhat reasonable for that purpose (I recall 2.75% of a swiped transaction). I don’t think I’ve ever used it. The EMV/tap reader was something like $10 so I passed.
Seconded. I didn’t like that they stand there watching while you choose a tip. Here you get the receipt back and add the tip in private.
I’m not sure why that would bother you. No one is twisting your arm. Tip according to the service with a clean conscience.
While the waiter making 5.65 an hour took a picture of the front and back of your card for later hijinks…
In Mexico they are called “terminal”, short for “terminal de punto de venta”, or “point of sale terminal”.