They could waive signature if they wanted, but a lot of places only did the minimum required so they could say that they "support Apple Pay". Hell, I'm not sure many places are really all that excited about the whole thing in the first place considering how much some seemingly hate accepting cards in general.
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Visa Dropping Signature Requirement for Chip Cards and Apple Pay Starting in April
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They could waive signature if they wanted, but a lot of places only did the minimum required so they could say that they "support Apple Pay". Hell, I'm not sure many places are really all that excited about the whole thing in the first place considering how much some seemingly hate accepting cards in general.
Yes, nothing I wrote disputes that. Which part of merchant specific did you not understand?
It's all about liability. You are liable for chip + PIN outside the USA but US law protects the consumer by making the card holder and business liable.
Yes, I've sometimes found myself apologizing for my lame American credit card when traveling outside the U.S. It can be a little embarrassing when people standing behind you in line are waiting for you sign that ridiculous scrap of paper (which the merchant probably throws away). I'm still don't know why U.S. banks were so slow to roll out chip and PIN. For the most part they issue the same MasterCard and Visa cards used in Europe and elsewhere.
I was surprised that everyone in Stockholm preferred plastic to cash. I only went to an atm once at the start of my trip and didn’t need to. I don’t think I tried ApplePay because it’s been so hit and miss travelling in the US. Works great in Chicago, practically every cab accepted it. In Vegas, even the McDonalds in the Luxor wouldn’t. In the Twin Cities it’s mixed but I keep emailing my usual stores about it. Hy-Vee is totally dragging their feet. I think they are still hoping for their own pay system to be able to track people’s purchases like that Current C or whatever it’s called. I think a cashier told me the android version works there. So annoying! Let people pay however they want to pay!
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Hmm. Annoying.
You definitely do not have to sign for VISA (or any other) contactless payments in Canada. Never once when using my card or when using Apple Pay have I been asked for a signature. If the contactless is not available you fall back on chip and PIN.
If you have an old card without a chip, then you sign.
If you have an old card without a chip, then you sign.
Sometimes. It depends on the merchant and the size of the purchase. Most of the signatures are done with a stylus on a screen. I always put a doodle on them and nobody cares. The entire process is a joke and everybody knows it.
*crickets*[/QUOTE]
Not at the vast majority of places. I use it everyday and only twice in two years has any merchant asked me to sign
Not at the vast majority of places. I use it everyday and only twice in two years has any merchant asked me to sign
Guess the waiters and waitresses will not be happy. Here in Europe if you tip you put cash on the cable...
Not consistently it seems. Traveling in Germany last year we found most of the restaurant receipts included a line to add trinkgeld. I suppose this might be more common in the tourist-oriented areas where they've wised up to the fact that Americans tip a lot better than Europeans, and that tourists are typically traveling with little cash.
It works, but a) it’s not officially supported, and b) it doesn’t work with a German issued credit card.
It seems that there is LESS security with EMV. So someone steals my card, no ID, no signature, no nothing. Just buy, buy, buy and no one cares until I get the bill and with no signature, there's no proof it wasn't me.
How is EMV so much more secure when the person who has the card doesn't have to prove anything?
How is EMV so much more secure when the person who has the card doesn't have to prove anything?
I thought the signature was a way of taking legal responsibility for the transaction in some way. Never even occurred to me that the cashier was supposed to be verifying the signature, because in my entire lifetime (several decades of CC use) nobody has ever looked at the signature, and I have never signed the back of a card, either.
Some banks have them. The citi Costco Visa card has it. The TCf bank debit cards has it.
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Not a receipt, most stores have digital signature things attached to the Chip & PIN readers.
Completely getting rid of the signature doesn't work as well in a country where paying tips is ubiquitous. A lot of other countries either don't have this in their culture or they include standard service charge with the bill.
Because stolen cards are very little compared to hacks and breaches. Which is what emv plus e2e prevents
There are cards that come with that. For example you can set up a PIN for a BoA Travel Reward credit card so that it could be used online or abroad at POS requiring a PIN.
I think that depends on the issuing bank. My Citibank & Capital One cards already have that feature on them, but not on my BOA debit & credit cards. As far as I know, that feature has been long available here too albeit selectively though.