TidBITS: Credit Card Signatures Going Away in 2018

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TidBITS: Credit Card Signatures Going Away in 2018

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Credit Card Signatures Going Away in 2018

This article was just published by TidBITS and sent to you at your request.

Credit Card Signatures Going Away in 2018

By Josh Centers
http://tidbits.com/article/17693

According to the Verge, credit card companies Discover, Mastercard, and American Express have announced plans to stop requiring signatures for purchases in April 2018, which will make Apple Pay even easier. (American Express is eliminating the need for signatures worldwide, whereas the other two are changing policies only in the United States for now.) Signatures are theoretically a fraud-prevention requirement, since they can be compared to the signature on the back of a credit card and verified later. However, cashiers almost never check them, there’s no signature to compare against with contactless payment systems, lots of people sign illegibly, and many transactions are online anyway. Visa has not announced a similar change.

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Article copyright © 2017 By Josh Centers . Reuse governed by Creative Commons License.




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Re: TidBITS: Credit Card Signatures Going Away in 2018

Jeremy Roussak
How quaint. The only time I have signed credit card slips in the last decade has been when I’ve visited the USA, and even then the retailer looked vaguely embarrassed.


Jeremy Roussak



On 18 Dec 2017, at 17:07, TidBITS Articles <[hidden email]> wrote:

This article was just published by TidBITS and sent to you at your request.

Credit Card Signatures Going Away in 2018

By Josh Centers 
http://tidbits.com/article/17693

According to the Verge, credit card companies Discover, Mastercard, and American Express have announced plans to stop requiring signatures for purchases in April 2018, which will make Apple Pay even easier. (American Express is eliminating the need for signatures worldwide, whereas the other two are changing policies only in the United States for now.) Signatures are theoretically a fraud-prevention requirement, since they can be compared to the signature on the back of a credit card and verified later. However, cashiers almost never check them, there’s no signature to compare against with contactless payment systems, lots of people sign illegibly, and many transactions are online anyway. Visa has not announced a similar change.

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TidBITS members can unsubscribe from just-published articles at http://tidbits.com/subscriptions. TidBITS Talk readers will need to create a filter to delete these articles.

Article copyright © 2017 By Josh Centers . Reuse governed by Creative Commons License.



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Re: TidBITS: Credit Card Signatures Going Away in 2018

dianed143@comcast.net
Lately most of the ones I deal with only require it over a certain amount, maybe $50. There is one that always does, Michaels I think? They also don’t take Apple Pay so I’m always left scrambling there because I don’t go often and forget.

Diane

On Dec 19, 2017, at 9:59 AM, Jeremy Roussak <[hidden email]> wrote:

How quaint. The only time I have signed credit card slips in the last decade has been when I’ve visited the USA, and even then the retailer looked vaguely embarrassed.


Jeremy Roussak



On 18 Dec 2017, at 17:07, TidBITS Articles <[hidden email]> wrote:

This article was just published by TidBITS and sent to you at your request.

Credit Card Signatures Going Away in 2018

By Josh Centers 
http://tidbits.com/article/17693

According to the Verge, credit card companies Discover, Mastercard, and American Express have announced plans to stop requiring signatures for purchases in April 2018, which will make Apple Pay even easier. (American Express is eliminating the need for signatures worldwide, whereas the other two are changing policies only in the United States for now.) Signatures are theoretically a fraud-prevention requirement, since they can be compared to the signature on the back of a credit card and verified later. However, cashiers almost never check them, there’s no signature to compare against with contactless payment systems, lots of people sign illegibly, and many transactions are online anyway. Visa has not announced a similar change.

Post a comment





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Re: TidBITS: Credit Card Signatures Going Away in 2018

Ryoichi Morita-4
Home Depot requires the signature on purchases over $50 and Costco, over $200, while some small stores always require your signature. 

As the article points out, in the old days, you were told to sign the back of the credit card and the store clerk would compare your signature against the one on the card. I haven’t seen them do that in a log time. 

Every once in a while, I may be asked to show my ID when I use a credit card. I don’t know if this practice will become outdated along with the signature. 

Ryoichi Morita




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Re: TidBITS: Credit Card Signatures Going Away in 2018

Fritz Mills
In reply to this post by TidBITS Articles
Ever since they introduced those electronic signing pads, it’s become more and more difficult to sign your signature normally, and if my experience is typical, people just stop trying. So  it might partly be an acceptance of the fact that signatures just aren’t reliable anymore anyway.

On Dec 18, 2017, at 11:07 AM, TidBITS Articles <[hidden email]> wrote:

Credit Card Signatures Going Away in 2018

This article was just published by TidBITS and sent to you at your request.

Credit Card Signatures Going Away in 2018

By Josh Centers
http://tidbits.com/article/17693

According to the Verge, credit card companies Discover, Mastercard, and American Express have announced plans to stop requiring signatures for purchases in April 2018, which will make Apple Pay even easier. (American Express is eliminating the need for signatures worldwide, whereas the other two are changing policies only in the United States for now.) Signatures are theoretically a fraud-prevention requirement, since they can be compared to the signature on the back of a credit card and verified later. However, cashiers almost never check them, there’s no signature to compare against with contactless payment systems, lots of people sign illegibly, and many transactions are online anyway. Visa has not announced a similar change.

Post a comment

TidBITS members can unsubscribe from just-published articles at http://tidbits.com/subscriptions. TidBITS Talk readers will need to create a filter to delete these articles.

Article copyright © 2017 By Josh Centers . Reuse governed by Creative Commons License.



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Re: TidBITS: Credit Card Signatures Going Away in 2018

Fritz Mills
In reply to this post by dianed143@comcast.net

On Dec 19, 2017, at 9:08 AM, Diane <[hidden email]> wrote:

Lately most of the ones I deal with only require it over a certain amount, maybe $50. There is one that always does, Michaels I think? They also don’t take Apple Pay so I’m always left scrambling there because I don’t go often and forget.

Diane

On Dec 19, 2017, at 9:59 AM, Jeremy Roussak <[hidden email]> wrote:

How quaint. The only time I have signed credit card slips in the last decade has been when I’ve visited the USA, and even then the retailer looked vaguely embarrassed.



The amount required for signature is set by the retailer. The retailer is responsible for all fraud below that limit and the credit card company is on the hook for all fraud above that limit. So Michaels is not willing to accept any risk for fraudulent charges. I don’t know how fraud limit policies will change. 




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Re: TidBITS: Credit Card Signatures Going Away in 2018

Rick Holzgrafe
In reply to this post by Ryoichi Morita-4
On 19 Dec 2017, at 8:26, Ryoichi Morita wrote:

> Every once in a while, I may be asked to show my ID when I use a
> credit card. I don’t know if this practice will become outdated
> along with the signature.

A while back, I found advice that recommended writing “ASK FOR ID”
on the card, instead of your signature. Some retailers don’t care;
some surprise me (I always forget) and ask to see my ID. None have ever
refused me a sale for lack of a signature on the card.

— Rick Holzgrafe
    [hidden email]
    http://www.semicolon.com



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Re: TidBITS: Credit Card Signatures Going Away in 2018

TidBITS Talk mailing list
According to the Visa and MC policies, if your card is not signed with your signature, the retailer is not allowed to accept it. I used to work at an Apple Store and we were not allowed to accept cards without signatures.



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Betty Fellows
Platinum Plus Results
Phone:<a href="tel:650-364-4134" style="color:#545454;text-decoration: none; font-size: 12px;"> 650-364-4134 || Email:[hidden email]

From: Rick Holzgrafe <[hidden email]>
To: TidBITS Talk <[hidden email]>
Sent: Tuesday, December 19, 2017 12:51 PM
Subject: Re: TidBITS: Credit Card Signatures Going Away in 2018

On 19 Dec 2017, at 8:26, Ryoichi Morita wrote:

> Every once in a while, I may be asked to show my ID when I use a
> credit card. I don’t know if this practice will become outdated
> along with the signature.

A while back, I found advice that recommended writing “ASK FOR ID”
on the card, instead of your signature. Some retailers don’t care;
some surprise me (I always forget) and ask to see my ID. None have ever
refused me a sale for lack of a signature on the card.

— Rick Holzgrafe



____________TidBITS Talk Participation Guidelines____________
Post only when you have something substantive to contribute.
Be polite and constructive, and comment on posts, not people.
Quote sparingly, if at all. We all read the previous message.
Start threads with a new message to [hidden email]
____Mailing List Manners: http://tidbits.com/series/1141 ____






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Re: TidBITS: Credit Card Signatures Going Away in 2018

Kim Gammelgaard
Living in Denmark, I rarely ever write my signature anymore, as it is simply seen as less secure than typing your code. 

When I was in Germany about a year ago, having lunch on a train, I happened to run into a request for my signature, and I was amazed. I signed it, and the waiter checked my signature to find that I had never put it on my 3 year old card. I hastily signed it too, and the waiter was surprised and mumbled that she thought the correct way was to take the card, but gave up as fast as she had said the words. 

That said, I rarely use cash at all anymore at all, except in countries with less advanced money handling, and now I usually even just use my phone at the super market for payment. Written statements are so bloody expensive to handle, like cash of course. 

Best regards

Kim

Den 19. dec. 2017 kl. 22.40 skrev Betty Fellows via TidBITS-Talk <[hidden email]>:

According to the Visa and MC policies, if your card is not signed with your signature, the retailer is not allowed to accept it. I used to work at an Apple Store and we were not allowed to accept cards without signatures.





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Re: TidBITS: Credit Card Signatures Going Away in 2018

Ryoichi Morita-4
In reply to this post by Fritz Mills

On Dec 19, 2017, at 10:18 AM, Fritz Mills <[hidden email]> wrote:

Ever since they introduced those electronic signing pads, it’s become more and more difficult to sign your signature normally, and if my experience is typical, people just stop trying. So  it might partly be an acceptance of the fact that signatures just aren’t reliable anymore anyway.


Some people, I don’t know whether it's accidentally or purposely, sign on the signature pad using a ball point pen. Some pads are so scratched sometimes, I cannot even see my own signature. I end up scribbling some gibberish. I could just sign Donald Duck and they may not even know. Yes, signatures are totally meaningless and useless. 

Ryoichi Morita



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