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Cashier needs ID to use Apple Pay?
- Thread starter JOSE891
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I don't think it's an Apple Pay thing. I think it's up to individual vendors if they want to see your ID. I've had cashiers ask for my ID when using my credit card in the past. I don't see how this is any different.
More specifically, their rules do not preclude merchants from asking for ID but they cannot make an ID a condition of acceptance. In other words, they can ask for ID but cannot refuse the transaction if you refuse to show your ID.
I got tired of educating them on this rule so I just show my ID anyway.
Guess what. They can refuse the transaction if they want to.
It's up to each retailer. Cause if something happens they are the one eating the loss. The credit card company just takes it out of their account automatically even if the signature was very similar or close to identical. So if you suspect fraud and the customer has no valid identification you can refuse the transaction.
Yes, suspecting fraud, unsigned cards, etc. are among the specific circumstances where asking for ID is permitted, but they're not supposed to refuse the transaction under normal circumstance per the merchant agreement.
It's different because what are they comparing it to? There's no signature to compare, no photo, and no name.
Not really sure what I would do if someone asked for ID with apple pay.. I would be genuinely curious as to what they would be looking for when they don't have anything to compare it to.
Also went to Chevron tonight to get a soda to test Apply Pay. The cashier asked if I'm paying credit or debit, and I also had to make the selection on their keypad. In addition, I had to sign the receipt just like any other credit card transaction, but at least the cashier didn't ask for my ID.
Yes that is an important clarification!
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Sure they can physically refuse the transaction, but it doesn't change the fact that they've violated their merchant agreement.
This. Most cashiers aren't going to be used to people paying with a phone yet. When I was a cashier at Publix, I didn't let a guy buy alcohol because he didn't have an ID. He looked 40, but I think they had told us something about always checking ID or the training video told us about the trouble you can get in selling to minors. One of the asst. managers came over and said it was fine. I was good to ask for it, but next time to send them to the customer service desk or get a manager. I was 20 and had been a cashier there for a couple of weeks.
So sometimes cashiers will make mistakes. They're never paid enough for what they have to deal with. Best thing is to just be patient with them because there are a bazillion things they have to know.
reversing the transaction would require me swiping my card again, heh
if they think my signature does not match the card or if they think i do not have
ID, they are well within their rights to confiscate my card. but they do not.
i don't think credit card companies even want merchants checking IDs
when i was selling beer/liquor i was confiscating fake ids left and right
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I doubt these places have training prior to the roll out. Hopefully people adjust cause apple pay kicks ass.
Again, it doesn't matter what credit card companies want.
The retailer can do what needs to do be done to protect themselves over fraud.
And they don't need the card to reverse.
On many machines you can void last transaction or search transaction by amount to pull it up and void it.
If I have this happen, As she look over me ID, I'll ask the cashier "Does it match?" and when she says yes, I'll ask her what matches?
The response will be golden.
The response will be golden.
No, actually, it's not up to each retailer. If they are going to abide by their agreement with the issuer, they cannot refuse your CC on the basis of whether or not you provide ID. I posted links to the official Visa guidance earlier in the thread.
Whether they *do* it, of course, is up to the individual 16-year-old cashier that's working the register.
Most people will not make a stink about this, they'll simply pull out their ID. Making a stink over it is probably more trouble than it's worth, you still aren't able to make your purchase and all you're doing is trying to educate a cashier who doesn't care anyway. You can't reach the corporate level where you could make a difference.
Your average CC fraudster is NOT going to be trying to use a stolen CC at a POS.
The credit card companies will also cover the merchant's loss if they go by the book (i.e., ensuring that the signatures match without requesting ID under normal circumstances). In case of a suspected fraud, the merchant will be required to do more as stated in the guidelines.
Where have you been? Ever read the DSS? The merchant has almost no power. First comes the consumer, then the CC issuer, and then at the end the merchant has almost zero recourse.
You can only "reverse" if the transaction hasn't settled. Otherwise it's a "refund", which most certainly requires the complete CC.
In the same day. According to the DSS, the merchant can't retain the CC number after the transaction completes. In a batch settlement world, the authorization persists until the merchant settles the transaction or the authorization expires... what that void does is simply remove the transaction from the settlement batch. That's why even after the void, you have idiots who go to their bank's web site and lose their ***** over what they think is a still-persistent transaction.
Don't forget about authorisation reversal as well. (I'm not sure how prevalent it is in the US though).
No, they wont.
The retailer always eats the loss.
They just tell you too bad, it was a stolen credit card. Money is automatically taken out of your business account and good luck fighting it and getting your money back.
The merchandize you lost its your problem. Chaulk it up as part of doing business with the public.
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Again, individual stores can do whatever they want. And it happens all the time. They can deny taking your credit card if you want to charge just $1 for a soda example. Many impose minimum charges and even though everyone hates it I can see where they're coming from cause I was also on the other end of the spectrum. Im not going to pay 65-90 cents fee for the transaction so you can charge $1. Its not worth it to me. I'd be losing money if everyone wanted to charge a 50 cent item on their card or a $1 item.
They don't have to take your card if they don't want to or if they don't feel comfortable for whatever reason. They can deny you and tell you to use cash. You cannot force them.
The device usually settles once a day usually at night during closing time. So if it hasn't settled you can void it at any time before it batches.