American Express, Mastercard and Discover to Eliminate Signature Requirement for Purchases in April 2018

Discussion in ' News Discussion' started by MacRumors, Dec 11, 2017.

  1. MacRumors macrumors bot


    Apr 12, 2001

    American Express today announced plans to eliminate signature requirements when customers make credit or debit card purchases, joining both Mastercard and Discover.

    All three companies plan to stop asking customers to provide a signature when making a purchase in the United States and Canada starting in April of 2018. The change is designed to allow for a more consistent, streamlined, and speedy checkout experience for both merchants and cardholders.

    Credit and debit card companies have long required signatures for purchases as an added security measure, but with technology improvements that include contactless payments and the adoption of EMV chip technology, signatures are no longer a necessity.
    American Express has already phased out signature requirements for purchases under $50 in the United States, as have other credit card companies, and the complete elimination of the signature is a shift that consumers are likely to welcome.

    Doing away with signature requirements for credit and debit card transactions will also streamline the Apple Pay process in the United States when using a Mastercard, Discover, or American Express card. With Apple Pay, a signature can on occasion be required for purchases over $50 in the United States, a step that may be eliminated once the card changes are introduced.

    Apple Pay customers in other countries that have similar restrictions may also see them lifted when using American Express, but there are locations like Canada where contactless payments are not permitted for large purchases. In these situations, there will be no improvements to the Apple Pay process.

    While Mastercard and Discover have said the change applies to the United States and Canada, American Express plans to eliminate signature requirements globally on purchase transactions of all amounts. Merchants are, however, still able to collect signatures if required to do so by an applicable law in a particular jurisdiction.

    Article Link: American Express, Mastercard and Discover to Eliminate Signature Requirement for Purchases in April 2018
  2. bbeagle macrumors 68040


    Oct 19, 2010
    Buffalo, NY
    The signature has meant nothing for years. It's rare for a merchant to check the signature anymore.
  3. djcerla macrumors 68000


    Apr 23, 2015
    Paying with Apple Pay on my AW, with no need to sign anything, is by far the best payment method ever.

    And Apple at its best.
  4. The Don Onez macrumors member

    Nov 7, 2017
    Huntsville, AL
    The only time I get asked for a signature is when a tip is involved. Been years since any else has asked for a signature.
  5. Rychiar macrumors 6502


    May 16, 2006
    Waterbury, CT
  6. b13o0r12e3 macrumors member

    Jun 9, 2008
    London, United Kingdom
    The UK phased out the signature requirement yearssssssss ago!

    Am I missing something here or is the US seriously Neanderthal?!
  7. 6803390 Suspended

    Sep 3, 2016
    I don’t remember the last time I had to do it.
  8. RedGala macrumors regular


    Jun 17, 2015
    Finally! I hate having to sign right after using Apple Pay and thinking that I can walk away with my stuff.
  9. TheRealNick macrumors newbie


    Oct 21, 2017
    Yes, the UK and other countries phased out compulsory use of the old signature and magnetic strip... I’d guess early 2000’s?

    I can’t understand why other developed countries have taken so long.
  10. blevins321 macrumors 68030

    Dec 24, 2010
    Winnipeg, MB
    And yet, still no PIN like most of the rest of the world for credit purchases (non-contactless). EMV chip is kinda worthless in my opinion (other than preventing skimming) without PIN. No actual additional protection.
  11. kdarling macrumors P6


    Jun 9, 2007
    First university coding class = 47 years ago
    You're looking at it backwards.

    The US treats its card users like Kings and Queens.

    No need to remember a PIN. Our signature is good enough.

  12. zhang96 macrumors member

    Jul 29, 2016
    Biggest culture shock for Canadians is to go down south and sign on all receipts.
  13. nyrol macrumors newbie

    Apr 29, 2016
    I haven't signed or swiped a card in probably over 10 years. Tap and chip + pin is the way to go. My first tap card was a MasterCard in 2007, and have never had to sign with it. I do like that Apple Pay is accepted pretty much everywhere except Walmart, but I've never had to sign using MasterCard on it. Is this just in 3rd world countries that don't have these later technologies yet?
  14. DrMotownMac macrumors 6502


    Jul 11, 2008
    So what about at restaurants, like when a tip is involved? Is there an eventual way to add tips using Apple Pay and not have to sign anything at all? I hate having to wait for the server to (1) give me the bill, (2) pick up the bill WITH credit card in the pocket, (3) return the bill with credit card, merchant copy and customer copy, and (4) me to calculate the tip, fill in the blanks, sign the appropriate copy, put my credit card back in the wallet, and make my way out of the establishment. Meanwhile, I've just given my credit card information to a random server who could very easily be taking pictures of the front and back of my card while they are supposedly putting the charge through. Ugh...what a horrible process!!

    Doesn't it seem like they could install some device on each table where you could do Apple Pay (or contactless payment) right there, have the device calculate an exact percentage tip, run the whole charge, and have it so you never need the server for any of that process?
  15. joeyroo macrumors newbie


    Apr 29, 2005
    Bethlehem, PA
    Based on the last year or so -- Yes we are.
  16. joeblough macrumors regular

    Sep 30, 2006
    i don't know all the technical details, but there seems to be 2 tiers of NFC payments. "full" applepay results in a transaction with no signature. but at a lot of places i go, the NFC does work, but the terminal always asks for a signature. so in that case the apple pay is sort of just a proxy for using a card, which would also require a signature.
  17. statik13 macrumors regular


    Jun 6, 2008
    Good. About time to get rid of wet signatures. Honestly, I thought Chip & Pin was the norm everywhere quite a while ago. I can't recall the last time I had to sign a piece of paper to use any of my credit cards.
  18. SeminalSage macrumors member


    Nov 10, 2016
    I used ApplePay four times this past Saturday. The only time I didn’t have to sign was at the Apple Store. So, I guess the answer to your question is ME, at least.
  19. Robert.Walter macrumors 65816

    Jul 10, 2012
    Was kinda hoping that this would be the step enabling Costco USA to start accepting Apple Pay but then realized Visa was not on the list.

    Costco is a hot mess regarding contactless:
    - in Canada, their stores accept it but their card doesn’t support Apple Pay;
    - in USA, their Visa card accepts it but their stores don’t.

    How stupid!
  20. dontwalkhand macrumors 601


    Jul 5, 2007
    Phoenix, AZ
    We don’t have Chip and PIN, we literally have something called Chip and Signature.

    You insert the chip and sign a screen.

    But get this.....

    Our Visa/MC debit cards are chip and PIN! Lol! So the concept is not foreign to us at all!

    The US is a payments hot mess but at least we do have the best card acceptance rates. My last favorite cash only restaurant in my area just got new card readers with Contactless, Chip and PIN and Chip and “whatever finger tip signature thing you can scribble on a screen”

    And using US chip and signature cards in other countries always resulted in confused cashiers without pens. Because terminals outside the US don’t have a facility to sign on a screen. But at least U.K. chip and PIN cards work fine on US terminals, there’s still a PIN pad on them.
  21. ronno macrumors regular

    Nov 13, 2014
    This is for all credit card transactions, not just Apple Pay.
  22. Robert.Walter macrumors 65816

    Jul 10, 2012
    I paid tonite in Switzerland at two stores with my USA issued Visa card exceeded the 50 CHF limit and had to sign for both (actually a scribbled initial because I’ll be dammed if I’ll put a copy of my sig on a paper out of my control. )
  23. macTW Suspended

    Oct 17, 2016
    Influenced by Apple Pay and the ease of payment without signatures?
  24. dontwalkhand macrumors 601


    Jul 5, 2007
    Phoenix, AZ
    Hey at least we sign on screens and it’s considered “high tech” lol!
  25. ronno macrumors regular

    Nov 13, 2014
    OK, So what you’re telling me is that illegible scribbles on scraps of paper no longer make sense?

Share This Page