Yeah it would be better if the store owner scans the card with a phone app, and you release funds with a pin code, and you can always reload your card. So basically as a store owner just list all their store items in the app with the prices, app scans all the items, shows price and QR code, you hold your card in front of their phone, they scan it and you look at their phone to verify order is correct, you enter your pin to release the funds on your card. Easy, you don't need a phone, just the store owner, this would also reduce the amount of physical cards in the cash register.