jbranc

Q: Whole Foods required a signature after using Apple Pay

I just setup Apple Pay with my Chase Debit and used it at Whole Foods.  The process worked well, up until the point where the CC terminal asked me to sign. I had to use their little digital pen to sign on their terminal screen.  I thought the whole point of this was to not have to do that?

iPhone 6

Posted on Oct 20, 2014 12:12 PM

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Q: Whole Foods required a signature after using Apple Pay

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  • by Alfredo Jahn,

    Alfredo Jahn Alfredo Jahn Dec 15, 2014 6:30 PM in response to jjkraw
    Level 3 (844 points)
    Desktops
    Dec 15, 2014 6:30 PM in response to jjkraw

    I Use my apple pay with a chase debit at whole foods and only have to push confirm button. Never a signature. 

  • by lkrupp,

    lkrupp lkrupp Dec 18, 2014 2:28 PM in response to Chris Luth
    Level 5 (4,240 points)
    Mac OS X
    Dec 18, 2014 2:28 PM in response to Chris Luth

    Chris Luth wrote:

     

    Just encountered a wrinkle with ApplePay requiring a signature: over here in New Zealand, where I'm traveling this month, they ALWAYS ask to see the back of my credit card after I sign to compare signatures. Having worked with POSes in the past in the U.S., I'm aware that, technically, all businesses in the U.S. should be doing this as well, but over here, since signatures are so rare and since the POS actually prompts the merchant, "Signature OK?", checking signatures is ubiquitous.

     

    However, the POSes are apparently set up to ask the same prompt on Apple Pay transactions. This creates a dilemma, because how can I show a signature on the back of my phone to them? There isn't one.

     

    It's caused quite a bit of confusion, although I still use it where possible for the novelty, and people invariably remark, "That's so cool--my iPhone doesn't do that!"

     

    It’s going to take a while until merchants get educated about the security of Apple Pay and tokenization. The encrypted token exchanged between the iPhone and the credit card company IS the signature and IS the pin. TouchID assures that you are who you say you are without further proof. Merchants don’t get it yet and are slaves to the old way of doing things. They are treating Apple Pay like it’s just another credit card. The learning curve for both merchants and customers is steep when the old way is working, except it’s not as the rise in fraud proves.

  • by connor08724,

    connor08724 connor08724 Dec 20, 2014 10:55 PM in response to jbranc
    Level 1 (0 points)
    Dec 20, 2014 10:55 PM in response to jbranc

    You see, the fingerprint never leaves the iPhone, so there is no way for the store or the card processing company to know that you are authorized to use the card. Apple Pay is used so that the store or any hackers never can come into contact with your debit or credit card number, just like what Paypal is used for on online merchants. It is simply that your very important card number is only shared with the people who actually need it, and so that it is not stored in a computer that can be hacked, because if some finds out your device account number (iPay number) no one would be able to use it, since it is linked to your phone. So you will still be required to put in your pin or sign, depending on the rules set by the store or there card processing company. At least until the stores and card processing companies understand how secure touch id is.

  • by judenyc,

    judenyc judenyc Feb 4, 2015 6:25 AM in response to jbranc
    Level 1 (0 points)
    Feb 4, 2015 6:25 AM in response to jbranc

    Since last October I have been using my Amex card and my BofA debit card via Apple Pay at both Whole Food and Petco and both merchants require my signature every purchase, no matter the amount. I agree with what so many have already said here--then what's the point?

  • by G3gator,

    G3gator G3gator Feb 4, 2015 6:42 AM in response to judenyc
    Level 3 (571 points)
    Feb 4, 2015 6:42 AM in response to judenyc

    What's the point? Well, not having to swipe a physical credit card and having a secure transaction.

     

    George

  • by judenyc,

    judenyc judenyc Feb 4, 2015 8:40 AM in response to jbranc
    Level 1 (0 points)
    Feb 4, 2015 8:40 AM in response to jbranc

    But it already has my fingerprint and if I have to sign anyway i may as well just use my actual card. it is not any more convenient

  • by Csound1,

    Csound1 Csound1 Feb 4, 2015 8:54 AM in response to judenyc
    Level 9 (50,831 points)
    Desktops
    Feb 4, 2015 8:54 AM in response to judenyc

    Then use your card, if you are shopping at Whole Foods e.g.: you'll have to do it their way

  • by anypats,

    anypats anypats Feb 4, 2015 8:55 AM in response to judenyc
    Level 4 (1,791 points)
    Feb 4, 2015 8:55 AM in response to judenyc

    But it's more secure so if their systems ever get hacked the don't get your actual credit card. It's just a token that does the hackers no good. Anywhere that you can use Apple Pay you should regardless of how many signatures or PIN numbers you need to provide.

  • by G3gator,

    G3gator G3gator Feb 4, 2015 5:49 PM in response to jjkraw
    Level 3 (571 points)
    Feb 4, 2015 5:49 PM in response to jjkraw

    I have used Apple Pay multiple times at Walgreens with no signature requested. However, the largest transaction was $26 which is probably below the signature threshold.

     

    It may be that different stores, or maybe regions, have different policies.

     

    George

  • by GK,

    GK GK Feb 8, 2015 2:37 PM in response to G3gator
    Level 1 (0 points)
    Feb 8, 2015 2:37 PM in response to G3gator

    If your purchase is more than $50 you must sign

  • by GK,

    GK GK Feb 8, 2015 2:38 PM in response to Alfredo Jahn
    Level 1 (0 points)
    Feb 8, 2015 2:38 PM in response to Alfredo Jahn

    The issue is with credit cards and amounts above $50

  • by winodog,

    winodog winodog Feb 11, 2015 5:47 PM in response to jbranc
    Level 1 (0 points)
    Feb 11, 2015 5:47 PM in response to jbranc

    Same inconvenience w/ AmEx card at Lucky grocery store - twice. Both times were for over $50. On the keypad, had to tap "Credit", approve the amount, and give some semblance of a signature. Clerks and other customers were as befuddled as I was. No time saved and only convenience was not using the actual card. Very disappointing. The RFID chip in the card provides nearly just as much security. Hopefully w/ time, using Apple Pay will mature into a truly convenient process.

  • by Jassy,

    Jassy Jassy Feb 14, 2015 4:54 AM in response to jbranc
    Level 2 (159 points)
    Apple TV
    Feb 14, 2015 4:54 AM in response to jbranc

    Just so everyone knows, I too, at times have had to sign after purchase using apple pay.  More times than not actually.  asking the cashier about it is a fruitless endeavor.  They know only what the store management tells them.  It is annoying and at this time Apple has not come true by telling us this may happen.   However, it is MORE annoying to have a clerk/cashier ask me to physically hand over my card to either verify signature or run the card thru the credit machine themselves instead of me.   I can live with signing after purchase for now until everyone comes on board with using Apple Pay.  Must better than giving a stranger my card.

  • by Johnisgreat ,

    Johnisgreat Johnisgreat Mar 2, 2015 8:17 PM in response to jbranc
    Level 1 (0 points)
    Mar 2, 2015 8:17 PM in response to jbranc

    Today at Whole Foods when the terminal asked for my signature, I drew a line in the signature box and hit enter.  Pow! 

  • by gail from maine,

    gail from maine gail from maine Mar 2, 2015 8:30 PM in response to Jassy
    Level 7 (26,309 points)
    iCloud
    Mar 2, 2015 8:30 PM in response to Jassy

    Jassy wrote:

     

    It is annoying and at this time Apple has not come true by telling us this may happen. 

    Apparently you did not read the FAQs provided by Apple about Apple Pay:

     

    Will I have to sign a receipt when paying with Apple Pay?

    As you do today with a plastic credit or debit card, you might need to sign a receipt, depending on the store and the transaction amount.

    Here is the link for your reference:

     

    https://support.apple.com/en-us/HT201469

     

    Note that it also indicates that you are likely to have a more consistent "Apple Pay Experience" if you select Credit rather than Debit when doing the transactions.

     

    Apple Pay is more about not using your actual credit or debit card number for purchases. The merchant doesn't know it, Apple doesn't know it, it is not sent over any terminal or device. Instead a Device Account Number and dynamic security code are used for your purchase. So, when Home Depot is breached by some lowlife hackers, they won't be getting your credit card information....

     

    Signing for the purchase is not the security risk here, the card number is....

     

    GB

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