Here in Ireland and throughout most of Europe, contactless credit cards are the norm. Chip technology is so 2007. My Leap card, which is what we use here for all public transit payments, is contactless. I can even put the card against my smartphone and use the Leap card app to top up my account in less than 10 seconds. It’s pretty amazeballs. So imagine my surprise when I tried to send our landlord our first rent payment a couple of days before it was due. I had all her bank account details and was ready to initiate the transfer online. And then I got this message: WTF is an…