Didn't realise what I was missing with Apple pay

[BarracksSi]

Sign? Genuine question, if you use AP in the US do you have to sign as well? Here in the UK I absolutely cannot remember the last time I had to sign for payment, it is one thing I feel they've got right with chip & PIN.

At least a couple times, yeah, I've signed something after using AP. Might have been an electronic signature on the terminal.

I don't sign my credit or debit cards anymore, either. I write, "CHECK I.D." with a Sharpie on the back. I don't know if it changes the clerk's routine, but at least they go for a name confirmation.

I heard a story about a guy who endorsed his checks with "Mickey Mouse" to see if anyone would catch on. Nobody did, much to his annoyance.

 

[Julien]

Sign? Genuine question, if you use AP in the US do you have to sign as well? Here in the UK I absolutely cannot remember the last time I had to sign for payment, it is one thing I feel they've got right with chip & PIN.

Still pockets of surprise here, although they're getting fewer. Girl in Staples was amazed today.

In the US we don't have chip and PIN. We have some chip cards and some places are in the first step of chip and sign (most still swipe). We will probably have full chip and PIN by about 2027. Sign is funny because it is not really a signature required (or verified in any way). You can 'sign' anything (Screw You) or make any kind of mark (~) just as long as you make some contact with the screen. I haven't made a 'real' signature in years.

 

[BarracksSi]

You can 'sign' anything (Screw You) or make any kind of mark (~) just as long as you make some contact with the screen.

Years ago, FedEx dropped off my parents' iMac at the wrong address with the electronic signature box marked with an "X".

 

[Aniseedvan]

Years ago, FedEx dropped off my parents' iMac at the wrong address with the electronic signature box marked with an "X".

Ah yes we have this with sign for deliveries (Royal Mail, DPD, etc). I had a £1200 lens dumped at work with a faked signature. Thank goodness I walked through reception shortly afterwards as I was waiting for my parcel...

 

[Julien]

Years ago, FedEx dropped off my parents' iMac at the wrong address with the electronic signature box marked with an "X".

Doesn't matter. What if it had the following signature? How would that help or what would it tell you?

Signature is Jack Lew Secretary of the Treasury Look on your money.

 

[waw74]

Sign? Genuine question, if you use AP in the US do you have to sign as well?

sometimes
depends on the amount and the store. I think the rules are a bit behind the technology.
I've had to sign (normally on a touch screen) using AP, but it's probably well below 10% of the time.

and depending on the store, sometimes you don't have to sign even for a swipe, under a certain amount.

 

[JayLenochiniMac]

Sign? Genuine question, if you use AP in the US do you have to sign as well? Here in the UK I absolutely cannot remember the last time I had to sign for payment, it is one thing I feel they've got right with chip & PIN.

Still pockets of surprise here, although they're getting fewer. Girl in Staples was amazed today.

Yes, some places are still requiring a signature even with Apple Pay. In fact, Apple support page on Apple Pay used to say the following (before they updated it when Apple Pay went global):

You might also need to sign a receipt, depending on the store and the transaction amount.

For example, Petco doesn't normally ask for my signature when using Apple Pay except for the two times when the transaction amount was over $200. Seems kind of as pointless as "If you’re in the UK and your purchase is more than £30, you might not be able to use Apple Pay at some merchants."

 

[nightcap965]

Sign? Genuine question, if you use AP in the US do you have to sign as well? Here in the UK I absolutely cannot remember the last time I had to sign for payment, it is one thing I feel they've got right with chip & PIN.

Still pockets of surprise here, although they're getting fewer. Girl in Staples was amazed today.

Yup, if you use AP in the Hew Hess Hay, you'll sign the little plastic screen for no readily apparent reason. If you shop at an Albertsons LLC supermarket (Star, Shaws, Safeway, Acme...), you'll not only have to sign, you'll have to provide your Device Account Number, which none of the clerks really understands -- but the transaction will not complete without it.

We're still at the trading glass beads and wampum phase of technology acceptance here...

 

[adrian74]

False.

That's the whole point of the "Samsung Pay" commercials. You can't always use Apple Pay...

In the UK, any store which accepts payment by contactless card also accepts payment by Apple device (provided your bank is on board), as the two use the same payment system. The maximum transaction value is £30 - anything higher than this requires the store to have signed up specifically for Apple Pay.

 

[aces99]

I wish they would come out with a universal payment system that would work with either Apple or any Android phone and would work at all retail stores. Unless they come out with a universal system a person is still going to have to carry their wallet with them.

 

[AlliFlowers]

Sign? Genuine question, if you use AP in the US do you have to sign as well? Here in the UK I absolutely cannot remember the last time I had to sign for payment, it is one thing I feel they've got right with chip & PIN.

Still pockets of surprise here, although they're getting fewer. Girl in Staples was amazed today.

I think it has to do with the machine as much as anything else.

Meanwhile, husband has still not been able to use Samsung pay. Anywhere.

 

[aces99]

In Canada, at least in BC we have chip and PIN everywhere. It is the norm here. I haven't had to sign my name for anything in years. Now if only they would come out with a universal pay system that worked with Apple or any Android based phone. Then I could leave my wallet at home.

 

[steve knight]

The best places I found are gas station/mini stores they are fast and read my watch easily

 

[username:]

Places I've used Apple Pay in UK:
KFC
McDonalds
IKEA
Aldi
Boots
M&S
WH Smith
Staples

Not all of them said they support Apple Pay but I saw they had contactless payment so I just used my phone and it worked. I don't ask, I just try it and it's worked every time so far.

All you have to do is hold up your phone to the reader with your finger on Touch ID. So easy. Everything is automatic.

 

[GlenK]

Some stores have a limit that requires signatures. Walgreens has me sign if it's $50 or more. Seems crazy but they have had that requirement since the beginning.

 

[nightcap965]

Doesn't matter. What if it had the following signature? How would that help or what would it tell you?

Signature is Jack Lew Secretary of the Treasury Look on your money.

[/QUOTE

And that signature is actually his clearest example. The man has worse penmanship than I, and that's saying something.

 

[Samh92]

I have to admit I love using Apple Pay, even though it's hugely popular over here in the uk I always find the cashier gob smacked when I pay for things with my phone or watch. I've even had other customers make conversation with me when they witness a contactless transaction. Paid for some drinks down the pub the other day, they girl that worked there tried to get me to pay for something else just so they can show their colleague