When waiting for my credit card receipt on a recent shopping trip I noted the process of the merchant issuing my little piece of paper.  Contactless payment made (with my "old fashioned" contactless card instead of some swanky wearable tech) I waited whilst the merchant grabbed the first receipt from the card terminal.  She then pressed some button and out popped the second receipt for me, the customer. 

That got me thinking.  Why, when I'm the customer in a hurry, do I have to wait for the second receipt?  What sort of customer experience is that?  Surely I should get the first receipt (if I need a paper copy at all) and the merchant should be the one waiting for the second to print?  Then I get time back and can go on my merry way as a happy customer.  First world problems eh?

Luckily I have a couple of contacts who are experts in the payment industry so I asked them why this is the process.  The answers were inconclusive - but might well be linked to how card payments were taken many years ago when you had to hand over your card for a merchant to pop it into a machine topped with a triplicate paper sales slip - remember those days??  This was then mechanically swiped, impressing the card details onto the carbonated paper ready for my signature.  The merchant then retained the top signed copy and the customer had a carbon copy for their records.  

It seems when this process went digital the card industry simply replicated the merchant/customer receipt process. 

So come on guys - can we re-engineer this process so I, the customer, can get my receipt first please? This is a menace!!!