Apple Pay Question - retailer asking for verification code

[cc999]

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

 

[jetsam]

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.

 

[RobinInOR]

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.

 

[cc999]

That happened to me the first time I used Apple Pay at the keep dealership. She asked for a code, and I wasn't about to give her my 3 digit code. What she was actuslly asking for was the last 4 digits,and that worked . As jetsam said, that's different on each of your devices.

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

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

 

[jetsam]

From Apple:

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

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

CC

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!

 

[RobinInOR]

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.

 

[cc999]

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.

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

 

[RobinInOR]

Yup

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

 

[allpurposeguru]

Some stores require the store personnel to put in the last 4 digits of the card number, to ensure that the clerk actually physically sees the card. If that's what they need the phone can supply the last 4 digits of the virtual card number from Apple Pay.

In other cases the store will run every transaction through as debit to try to save on transaction fees, and they will want YOU to put your PIN into the register. Credit cards don't generally have a PIN unless you've enabled cash advances on the card through an ATM.

In the THIRD case credit cards in other parts of the world need a PIN instead of signature-- you won't be asked for THIS in the US because very few credit cards here have enabled chip-and-pin transactions for credit transactions, and virtually no businesses can handle them.