In the UK they bring a terminal to your table, and you can do exactly that. It’s been that way for years.
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American Express, Mastercard and Discover to Eliminate Signature Requirement for Purchases in April 2018
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In the UK they bring a terminal to your table, and you can do exactly that. It’s been that way for years.
Nah, it's not an effective method. Restaurant owners have been getting stiffed by the credit card companies for decades over customers who ran up huge bills and contested the charges, claiming fraudulent signatures. My signature doesn't begin to resemble any receipt I've ever signed, much less electronic ones, due to an array of factors, from how much I"ve had to drink to how easy the stylus is to use.
If the payment terminal software is up to date, it should support CDCVM, in which case it should just work, no pin required. Some times it is, some times it isn’t — A$222 at the British butchers this morning, signature required (I have one of those antiquated U.S. (Citibank) chip and signature cards), $541 at Dan Murphy’s an hour later and it just works - no pin, signature or anything else.
I have to sign when using Apple Pay at Office Depot and have, from time to time, had to show photo ID as well. There are several other places locally where I have to sign when using Apple PAy.
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the same is true in Canada.
To be fair, some restaurant chains here in the US also have the wireless payment terminals at the table. Chili's and Red Robin in my area has them and I love using them because it's so simple, and like you mention, the card never leaves my sight (or hand for that matter). You can add tip, you can have the receipt emailed to you or can have the terminal print you a paper receipt. I just wish more establishments had them.
Hmmm. I wonder how this is going to impact disputes on charges. I've found numerous instances of local bars not charging the correct amount once I've added a tip. I've called into my CC company twice because the discrepancy was large enough to warrant pushing back. The locations immediately adjusted the charges, but I don't know what impact (if any) this could have on being able to fight that. This is probably a low percentage occurrence.
Where in the article does it say that MasterCard, Discover, etc will be using biometric verification? I sure don't see that. I do see some anecdotes about people having to sign a slip even when using Apple Pay in the comments, though. All it says is they are dropping signature requirements. They are moving more into alignment with Chip and PIN systems that have been in use in European countries, Canada, and Australia for years.
That's the thing, you're still trying to give Apple credit for this in some way and it has zero to do with Apple Pay, Touch ID, or Face ID. It's called "well now that the U.S. credit card has a chip on it too, we might as well stop having two sets of rules depending on which side of the Atlantic you're on". They're adopting standards that predate the iPhone.
My "CC Purchase signature" the last few years has been either a smiley face or the word hello. I am sad I will no longer be able to do so.
Yes you are missing something. The EU/UK and USA standards for CC purchases are different that last time I checked. You are comparing apples and oranges.
Not quite the same thing. These are not tablet-like devices that are attached to every table. Rather, they are simply wireless payment terminals that the staff brings to the table to complete payment. Like this:
Signing is understandable right now (but obviously pointless), any company that is requiring ID for Apple Pay is dumb. The security for Apple Pay is way more effective than clone-able magstrips. Perhaps it's a lowest common denominator issue with other contact-free options.
Pay staff a fair wage and have honest pricing, then the problem goes away. Having a hidden service charge and pretending it’s a tip is not okay. In fact, it’s (quite rightly) illegal here.
I was at a Outback Steakhouse in San Diego the other day and that had a device on each table that showed the bill, select tip amount and pay by Apple pay. Sounds just like what you asked for
I haven't handed over my card at a Restaurant here in the UK for a long time. Everybody tends to pay at the table using either contactless or chip and pin.
But isn't that the point - a tip's meant to be for great service, and therefore should be the exception rather than the norm? Yet from what I see in the US, tipping is expected for just about everything. Just recently I was reading a thread in a bike forum were US members were shocked that UK members wouldn't tip a bike shop mechanic for completing a basic job to a standard at a listed price.
Whilst I'm sure tips are always appreciated, I can't help feeling that the US tipping culture is not so much about altruism, but more to do with a somewhat patronising and arrogant feel-good factor felt by the tipper for giving money to "the little people". And I don't mean that as a dig at any individuals, more the tipping-for-everything culture itself.
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The bank doesn't know how the Apple Pay payment has been authenticated, TouchID, FaceID or iPhone PIN.
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Every purchase (EMV) I make with my card I have to authorise with PIN. Then again I haven’t used plastic for months. Every single payment has been with Apple Pay. Actually most of the time I don’t have plastic with me at all. It’s all in my iPhone X.
I am hoping that they will jump on the bandwagon as VISA is my primary CC. We have Discover, but only use it when 5% quarterly bonuses make sense (like this quarter for amazon.com and Target). We don't have AMEX and MC is the debit card only, so we don't use it. VISA better follows the suit!
It has been years since I have signed for a transaction. I use contactless payment and rarely plug a card into an EFTPOS terminal. Apple Pay on the Apple Watch is the easiest.
Signing, especially when using Apple Pay is incredibly annoying and worthless. When asked to sign, I’ve just been putting a slash across the line for about 5 years now in protest of being asked to sign. No merchant has ever said nothing and no one cares. This is long overdue and hopefully Visa will follow suit.
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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?[/QUOTE]
Memory might be failing me but I think this happens at Oliver Garden and, maybe, Applebys.
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?[/QUOTE]
Memory might be failing me but I think this happens at Oliver Garden and, maybe, Applebys.
Really?
And to what signature does a merchant have access? Any signature I provide has been electronically recorded. I have not signed a paper receipt anywhere in recent times except at the vet who perhaps cannot afford the higher-tech machine. Even the merchant that has Square does not access anything about the transactions at the time they occur.
My electronic signature is not required at many places as long as the charge exceeds a particular amount, probably determined on the past buying experience. I believe it's $50 at the grocery, but at Costco it's higher. And that grocery store Visa credit card is being replaced soon with a MasterCard.
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