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Cashier needs ID to use Apple Pay?

JayLenochiniMac said:
I'll admit I had to look that up because I had never heard of that practice. A Target spokesperson said they swipe IDs to make the verification process faster and more accurate and only retain the data that is relevant to the type of transaction. E.g., only the date of birth is obtained when purchasing alcohol. However, the spokesperson said a customer can opt to have their birth date entered manually instead of a ID swipe and the clerk would need a supervisor for this.
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We manually enter them in my store, I have no clue if it is a statewide thing, district or what - but apparently we were not able to scan them anymore.

And people, stop being irate about it - seriously, the register does not care if you look 75, it cards EVERYONE and I'm just doing my job ok??

(I work next to a retirement community - and seriously, they get hostile over it!)
 
TraceyS/FL said:
And people, stop being irate about it - seriously, the register does not care if you look 75, it cards EVERYONE and I'm just doing my job ok??

(I work next to a retirement community - and seriously, they get hostile over it!)
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Lol:D
Isnt it fun dealing with the public?
I get it too when people act like its such a big deal to take out their license or ID.
Arguing about it for 5 minutes is less of a hassle?
 
The cashier shouldn't need to see your ID, that should all be stored in the phone...
 
kslingo said:
The cashier shouldn't need to see your ID, that should all be stored in the phone...
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Actually, it is very possible for somebody to add a stolen credit card to Apple Pay and use it illegally. For example, I didn't have to do any secondary verification when I added my Citibank CC.

That said, there isn't any identifying information that is passed along to the cashier right?
 
GoSh4rks said:
Actually, it is very possible for somebody to add a stolen credit card to Apple Pay and use it illegally. For example, I didn't have to do any secondary verification when I added my Citibank CC.

That said, there isn't any identifying information that is passed along to the cashier right?
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Some banks ask for more verification.
A few of mine send a text message or email to what I have on file with them.
Another card needed a phone call to be added. My bank of america card didnt need additional verification but send me an email instantly to notify me that my debit card has been added for applepay use.
So Im pretty sure as it becomes more popular more and more institutions will have some sort of notification or added verification.
 
Adding my Amex cards resulted in a security code emailed to the address on file in order to activate. Wells Fargo debit card required logging in via the Wells Fargo Verify app and then waiting for them to approve.
 
GoSh4rks said:
Actually, it is very possible for somebody to add a stolen credit card to Apple Pay and use it illegally. For example, I didn't have to do any secondary verification when I added my Citibank CC.
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Same here. I was surprised as Amex required secondary verification. However, the customer won't be liable anyway for the illegal charges if that did happen so not really a problem as far as the customer is concerned. It's no different from stealing a physical card and going on a shopping spree.
 
Chase card needed text/phone/email verification for me.

Also, if I was going to use a stolen credit card..I sure as hell wouldn't add it to my Apple Pay.. I'd use it online or something else but not add it to my phone which has all my other personal info. I guess some crooks are pretty stupid though.
 
Mr Hands said:
Also, if I was going to use a stolen credit card..I sure as hell wouldn't add it to my Apple Pay.. I'd use it online or something else but not add it to my phone which has all my other personal info. I guess some crooks are pretty stupid though.
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Correct.
The issuing bank would be able to see what apple ID was used to enter the card into applepay and thus be able to trace you back and get you arrested pretty easily.
Along with many other things such as surveillance videos or photos of you doing the fraudulent purchase etc....
Not a very wise move to enter stolen cards to your phone and go on a shopping spree:D
 
it bugs me when cashiers ask to see my id after the transaction gets approved.
like what are they going to do ? credit my card?
I've never had a cashier ask for my card back so they could void the transaction
 
rigormortis said:
it bugs me when cashiers ask to see my id after the transaction gets approved.
like what are they going to do ? credit my card?
I've never had a cashier ask for my card back so they could void the transaction
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They can still reverse the transaction and take back the merchandise if the signature does not match and you don't have ID to prove you are the account holder.
 
If based on the topic from guy with issue in Apple Store with address being slightly different. I'm assuming card info is compared to iTunes address info to confirm is the owner and it doesn't need to get verified when you add a card.
 
JOSE891 said:
I thought Apple Pay didn't require a ID and was a convenience feature and in essence your Fingerprint was your PIN number, guess I was wrong. Needless to say I wont be forgetting my wallet in the car anymore just in case.
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It has nothing to do with it being Apple Pay. The correct answer when you're asked the question is "Credit", because that's what it IS.

Now, as for the ID request... merchants are free to ask for ID, however, their agreements with the issuer do not allow them to use your refusal to provide it as a reason not to accept your payment via credit. They can use it as a reason not to serve you at all (and get into all the legalities regarding that), but they cannot refuse to accept your credit transaction simply because you refuse to provide ID.

Most cashiers do not know this, your average retailer does not teach this.

http://www.creditcards.com/credit-card-news/can-retailers-ask-id-with-credit_card-1282.php
http://usa.visa.com/download/merchants/card-acceptance-guidelines-for-visa-merchants.pdf (page 34, "Requesting Cardholder ID")
 
Applejuiced said:
Correct.
The issuing bank would be able to see what apple ID was used to enter the card into applepay and thus be able to trace you back and get you arrested pretty easily.
Along with many other things such as surveillance videos or photos of you doing the fraudulent purchase etc....
Not a very wise move to enter stolen cards to your phone and go on a shopping spree:D
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Since I know that you can add at least some credit cards to Apple Pay just by taking a picture of them is there anything to stop a dishonest waiter from using that to add your card to their Apple Pay account when you use a credit card to pay at a restaurant? That way they have a copy of your card and you get the card back so if they don't go too crazy with it they might be able to get away with it for awhile.
 
mrkramer said:
Since I know that you can add at least some credit cards to Apple Pay just by taking a picture of them is there anything to stop a dishonest waiter from using that to add your card to their Apple Pay account when you use a credit card to pay at a restaurant? That way they have a copy of your card and you get the card back so if they don't go too crazy with it they might be able to get away with it for awhile.
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They need your home address. So no.

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eneisch said:
Wow - I've never had that happen to me. Guess I could understand liquor stores, cigarette purchases and some cold medications though. After all most states have laws in place making it illegal to sell these to minors and they would need to check for fake ID.
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The cough medicine might have pseudoephedrine in it. When ever I buy claritin I have to show my id at the drug store and they scan it because you can make methamphetamine out of it.
 
GoSh4rks said:
Actually, it is very possible for somebody to add a stolen credit card to Apple Pay and use it illegally. For example, I didn't have to do any secondary verification when I added my Citibank CC.

That said, there isn't any identifying information that is passed along to the cashier right?
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Correct. So even if you manage to use a stolen credit card on  Pay what exactly is the cashier using to verify your ID? You are not showing a card and your name won't appear on the card on Passbook.
 
JOSE891 said:
Was at Chevron and bought some stuff for a trip and forgot my wallet in the car on purpose to use Apple Pay lol. So I scan my phone on the keypad at the register and the cashier asks me debit or credit? I told her I am using Apple Pay, she then started making faces and said she needs to choose a option I just told her credit because I hate entering my pin (#FirstWorldProblems) and then she asks me for my ID and I told her you don't need a ID to use Apple Pay and that I forgot my wallet in the car, she said she still needs it, I didn't feel like making a big deal of it and just told her to do it debit then and I just scan my phone and put my pin.



I thought Apple Pay didn't require a ID and was a convenience feature and in essence your Fingerprint was your PIN number, guess I was wrong. Needless to say I wont be forgetting my wallet in the car anymore just in case.



I have used Apple Pay at a few places and is the first time having this problem.
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I don't think asking for ID has anything to do with Apple play. Some business ask for ID just based on their previous experience with fraud.
 
Cashier needs ID to use Apple Pay?

First, the clerk is doing what they are trained to do and isn't paid enough to care about your Apple pay. Second, they ask for your ID so they can get that on the security camera. If an investigation on large scale of credit card fraud happens the retailer can show video evidence that they did ever they could to ensure the user of the card was the persons.
 
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