Need for signature w Apple Pay purchases

Discussion in 'Apple Music, Apple Pay, iCloud, Apple Services' started by Roller, Aug 30, 2015.

  1. Roller macrumors 68020

    Joined:
    Jun 25, 2003
    #1
    It's my understanding that vendors require a signature for Apple Pay purchases over a certain amount. How does that increase the security of the transaction from the vendor's or financial institution's perspective? My digitized scrawl doesn't really do much to identify me as the buyer, and the need to sign makes the process a bit less convenient. I can see that it might make sense to require identification for very large purchases, but that doesn't apply here.
     
  2. tmiw macrumors 68000

    Joined:
    Jun 26, 2007
    Location:
    San Diego, CA
    #2
    It doesn't, but since people can't handle more than one thing at a time, think that signature is actually "more" secure than anything else and/or don't want to shell out the money to go away from it altogether, it's going to stick around for a while to come. /rant

    Anyway, it's because places are treating it just like you swiped a normal card. Eventually they'll add support for "consumer device CVM" (https://support.apple.com/en-us/HT202527) and that should cut down on how often you have to sign while using Apple Pay.
     
  3. MrMoonUK macrumors member

    Joined:
    Jun 2, 2015
    Location:
    UK
    #3
    Coz America has backwards card systems stuck in 20 years ago, EU has had chip and pin for a decade and America is only just rolling it out
     
  4. Roller thread starter macrumors 68020

    Joined:
    Jun 25, 2003
    #4
    Thanks for posting the link. Hope that more merchants support CDCVM down the line.
     
  5. perkedel macrumors 6502a

    perkedel

    Joined:
    Dec 30, 2014
    Location:
    California
    #5
    Everytime there's credit card thread, there's always some English dude talking smack about how Merica is backasswards.
    Hell, you people over there got some 20-30 euro limit? WTF is this? There's no limit here dude in the great nation of United States! :rolleyes: The only limit here is your credit, or money available, not some arbitrary amount. This **** gets old, cut the crap.

    Back to topic, some retailer requires to see some id or signature if amount is more than $100. It's pointless since it could be a fake id, and the cashier wouldn't know any better. Old habits die hard.
     
  6. tmiw macrumors 68000

    Joined:
    Jun 26, 2007
    Location:
    San Diego, CA
    #6
    They do have a point though. We're only doing it now because it's actually starting to affect the banks' bottom lines. Apparently having some foresight and planning farther than a quarter or two in the future is a bad idea or something.

    $50, actually.
     
  7. lionsy macrumors 6502

    Joined:
    Jun 3, 2010
    Location:
    England, UK
    #7
    That's incorrect, the £30 figure is the basic default requirement. The limit is up to the vendor. Apple stores for example are £2000, London Underground is as far as I know unlimited and marks and Spencer's is unlimited too, no idea about other places. And he's completely correct, why the US has not bothered with chip and pin leaves most of the planet confused, not just the EU.
     
  8. brentsg macrumors 68040

    Joined:
    Oct 15, 2008
    #8
    Dusting this oldish thread off to mention that my local supermarkets require a signature when using Apple Pay and it drives me nuts. They seem to simply follow whatever logic for cutoff relation to purchase price was in place for the old credit card terminal.
     
  9. Julien macrumors G3

    Julien

    Joined:
    Jun 30, 2007
    Location:
    Atlanta
    #9
    Just sign 'Screw You' as a protest. Of course it won't matter since no one ever looks at it.

    I may try just hitting 'Done' next time without making a mark and see what happens.:eek:
     
  10. convergent macrumors 68000

    convergent

    Joined:
    May 6, 2008
    Location:
    Raleigh, NC
    #10
    Unfortunately, dumbness will always persist in business. I'm guessing that some meeting took place between their backwards IT department and store management and the store management won the argument that they couldn't trust that newfangled magical iPhoney stuff ... have to get a signature. Its worked for 100 years, so we ain't changing.

    The closest Walgreens to my house I will never try ApplePay in because the person who is usually at the checkout counter is like 85 years old and a very nice lady, but doesn't have half a brain with anything technical. I tried to buy a bottle of wine one day and the price on the store sign was different from what rung up. I tried to explain that to her and she said, "no, it says her the price is $$$$". I went round in circles before asking for the manager who went and looked at the sign and came back and fixed the price... the whole time the older lady is shaking her head in confusion. I can only imagine what she'd do if I waived my Apple Watch at her.
     
  11. kilcher macrumors 65816

    kilcher

    Joined:
    Jul 3, 2011
    #11
    Unfortunately most of what we're getting is chip and sign. Still behind. I'd much rather take a few more seconds to enter my PIN.
     
  12. kilcher macrumors 65816

    kilcher

    Joined:
    Jul 3, 2011
    #12
    You need to go to Walgreens, Pay with Apple Pay, and Periscope the whole experience. Would love to see that. :)
     
  13. zone23 macrumors 68000

    Joined:
    May 10, 2012
    #13
    Yep when the wife uses my debit card she just signs my name, no big deal.
     

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