Apple Pay Question - retailer asking for verification code

Discussion in 'Apple Music, Apple Pay, iCloud, Apple Services' started by cc999, Feb 16, 2017.

  1. cc999 macrumors 6502

    Joined:
    Jul 15, 2008
    #1
    I was at my local Dunkin Donuts, use my Apple Pay (like I have done before) and it went through ok, got the checkmark and then the ding sound. The cashier then asked me for the verification code. I gave her the only verification code I knew which was the 3 digit code on the back of my Visa Card (used elsewhere for normal online purchases no problem) She put it in and tells me its not accepting it. WHY is this?

    Is there some sort of unique verification per transaction code that she was looking for? If so where the heck do I find it? Any help would be greatly appreciated.

    CC
     
  2. jetsam, Feb 16, 2017
    Last edited: Feb 16, 2017

    jetsam macrumors 6502

    Joined:
    Jul 28, 2015
    #2
    I've used Apple Pay at Dunks, and the only comment the cashier made was "That's so cool!" No questions asked, and no signature required.

    In your case, I think the cashier was confused. Once you get the ding and the check mark, the transaction is complete - the merchant has been paid. I know on some systems I get asked for a signature after this, but I think that's a result of poor programming by the keypad provider. What good is my signature to the merchant, since Apple Pay doesn't give them my name? I like to sign, with very poor penmanship, "Me."

    It's possible (but not likely) that she wanted the last four digits of the device account number, which you can get from selecting "info" for that card in Wallet. However, as I understand it, Apple Pay is considered a "card present" transaction, so there shouldn't be a need for the CVV code.
     
  3. RobinInOR, Feb 16, 2017
    Last edited: Feb 16, 2017

    RobinInOR macrumors 6502

    RobinInOR

    Joined:
    Sep 14, 2014
    #3
    That happened to me the first time I used Apple Pay at the Jeep dealership. She asked for a code, and I wasn't about to give her my 3 digit code. What she was actually asking for was the last 4 digits,and that worked . As jetsam said, that's different on each of your devices.
     
  4. cc999 thread starter macrumors 6502

    Joined:
    Jul 15, 2008
    #4
    From Apple:

    If you need to choose Credit or Debit on the terminal, choose Credit. If you need to provide the last four digits of your card, use the Device Account Number. For iPhone, open Wallet, tap your card, then tap [​IMG] to see the Device Account Number. For Apple Watch, open the Watch app on your iPhone, tap Wallet & Apple Pay, then tap your card to see the Device Account Number.

    Depending on the store and transaction amount, you might need to sign a receipt or enter your PIN.

    What's the PIN????????????

    CC
     
  5. jetsam macrumors 6502

    Joined:
    Jul 28, 2015
    #5
    I believe they're referring to the PIN used with Chip and PIN cards. We don't use those in the US. Here, we use Chip and Signature, which is less secure. I consider security the best reason to use Apple Pay whenever possible!
     
  6. RobinInOR macrumors 6502

    RobinInOR

    Joined:
    Sep 14, 2014
    #6
    Or the PIN would be your pin you use when you use a normal debit card. My debit pin is the same on any of my cards. I wouldn't think it would ask you for a pin if you were running it as a credit. But you can never tell with the programming of the terminals. Luckily I was the only one at the register, so we were able to take the time to figure out what number it wanted.
     
  7. cc999 thread starter macrumors 6502

    Joined:
    Jul 15, 2008
    #7
    Robin I think this may be my answer, I will see next trip! Where exactly did you find that 4 digit code?
    In Wallet - Hit i (bottom right) - is it the Device account number?

    CC
     
  8. RobinInOR macrumors 6502

    RobinInOR

    Joined:
    Sep 14, 2014
    #8
    Yup
     

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