I think perhaps this is the slow march towards that here in the US. First eliminate the signature because no one even checks anymore anyway. And then later as "added protection against fraud" require PINs like the rest of the world.
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Visa Dropping Signature Requirement for Chip Cards and Apple Pay Starting in April
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I think perhaps this is the slow march towards that here in the US. First eliminate the signature because no one even checks anymore anyway. And then later as "added protection against fraud" require PINs like the rest of the world.
That makes sense. No more storing of credit card numbers on systems.
BIB: not sure about other countries but here in the U.K. Visa, MasterCard and I believe AmEx have started to process contactless transactions online when they’ve previously been authorised offline.
Was in the news half way through last year whereby people were reporting these cards lost/stolen but said cards could still be used for contactless purchases (until the terminal asked for PIN entry).
Can understand why people are wary but unless you’ve been negligent then the financial institutions cover any fraud losses anyway.
I have that card actually. I’ll doublecheck what you said because it might be something new I don’t know about. AFAIK the PIN is only for getting a cash advance at an ATM. But I’ll check again
BIB: not sure about other countries but here in the U.K. Visa, MasterCard and I believe AmEx have started to process contactless transactions online when they’ve previously been authorised offline.
Was in the news half way through last year whereby people were reporting these cards lost/stolen but said cards could still be used for contactless purchases (until the terminal asked for PIN entry).
Can understand why people are wary but unless you’ve been negligent then the financial institutions cover any fraud losses anyway.
When I use Apple Pay in the UK with my US credit card the POS machines never asked me for a PIN or a signature, just like how it works at 70% of the places I use Apple Pay in the States. I guess it's more a merchant requirement than a bank requirement then? I imagine Visa didn't put in this requirement, but is taking the lead to get rid of it.
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I think you need to have the chip card, though.
Depends on the amount of purchase and the amount that triggers a signature varies by the store. Sometimes it’s over $100, sometimes over $75. You never know until it happens.
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I have the chip card. Let me call BofA right now.
Ah that makes sense, better than in some countries where you have a hard max limit for contactless payments.
Noticed that about my CostCo card as well and was wondering if it was broken somehow - sounds like it just isn't enabled.
Most US cards that have a PIN feature have it as a secondary check. If your priority is signature, it will still print out a slip if the terminal is manned. The card falls back to PIN only if it is an unmanned terminal. But that failed on me a few times when traveling through the EU even at unmanned terminals. Barclays has Chip-sig-PIN cards and it wasn't as seamless as I hoped. My UNFCU & First Tech Fed cards are PIN priority and work perfectly.
You can check here which one your card is: http://www.spotterswiki.com/emv/index.php
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I've had a few times where not only have I had to sign they have required photo ID as well when using Apply Pay.
Was checking on the database you provided, and the CVM somehow confuses me. The priority is signature, no CVM, and then PIN for some cards? Wouldn't it fall onto no CVM and then stop there?
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Wow, would you mind sharing approximately how large your purchase was?
PIN is usually required above €25 (varies by country). Also, cash withdrawal is not possible without PIN.
Works pretty easily actually.
Staff brings over the portable card machine, it shows you your total bill and prompts you on the screen for how much you want to tip. You can choose to tip by dollar or percentage and the machine does all the math and displays you your total charge.
Great system as your credit card never even leaves your hand.
As for happy waiters & waitresses? Most restaurants set default tip percentage amounts, so I imagine that goes a long way to higher tips.
Yeah that's how they do it in many parts of Europe and China. Not sure why I rarely see portable POS machines in the States. The waitress taking away your credit card is indeed kind of risky. They could easily copy the magnetic strip. Indeed I've experienced credit fraud of this kind, when my card was mysteriously used at a Home Depot in Vermont when I was in NYC...
In Canada? I have never had to sign anything for Chip & Pin Debit or Visa credit, and never had to sign for Apple Pay either.
Welcome to the year before i was born america!
I was shocked when i went to Miami and Orlando last fall that not a single store i have tried supported tapping to pay. Thats literally all i use. Even in Germany who loves cash!
I was shocked when i went to Miami and Orlando last fall that not a single store i have tried supported tapping to pay. Thats literally all i use. Even in Germany who loves cash!
ok. Just got off the phone with BofA. At first she was like “yeah no problem you can pay anywhere” then I pushed harder (nicely) told her how I have been blocked at machines and asked her if she knew the difference between chip and pin and chip and signature. Also whether she had ever travelled in Europe. She hadn’t. So she looked in her reference and said “oh, the card IS chip and signature”. But there’s a new entry that says if a machine requires a PIN, we can use our cash advance PIN to complete the transaction. She said it had a newer date on it and it was something she didn’t know about so she thanked me for educating HER . So in summary, looks like B of A fixed my problem with buying tickets at a machine. Thank YOU for bringing it to my attention so I could look into it!
Of course they do, and they will continue to do so after April.
With just a bit of thinking, folks will know why....
think...
They need you to add the tip. - They really could care less about the signature.
My son will be upset. He likes to draw smiley faces in the signature field for me when I pay.
I guess in that situation the Pen truly is mightier than the sword ... and could lead to a pending bullet in the worse places to be an American. I cannot imagine just how unconfortable a situation like that can be.
That’s a customer research thing. Knowing where their customers are coming from, how far they travelled to shop, etc. so they know where to send ads in the mail to get the best bang for their buck,I bet
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It really sucks when you are trying to get on a subway in Barcelona and can’t buy a ticket because they only have machines that require PINs and you don’t have any cash. I had to leave and walk until I found a station with a manned counter. After that experience, I always made sure I had cash, a ride pass or pre-bought tickets. In Berlin, I ran out of coins and had to buy a donut first to get on a train, lol. I don’t have the guts to just jump on and take a chance I’m not getting caught. And that only works in stations without the entries that require a ticket to get to the train platform. Definitely can’t jump over the barrier like I saw young guys do in Stockholm!
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