I've only managed to use my interac flash at McDonald's, Tim Hortons and London Drugs so far. Love not having to enter a PIN number. I think every $200 of spending you would have to enter a pin. However, not enough places support interac flash yet, so you have to enter your PIN number in between anyway.
It's rediculously fast, usually the transaction is approved in about 2-3 seconds after the tap.
I really don't know what's the difference between that and when I go to the gas station, swipe a credit card, and don't sign or enter a pin there.
McDonald's shouldn't be taking your card and tapping it themselves though. They should pass the machine to you so that you can tap it.
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