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All replies
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Helpful answers
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Mar 2, 2015 8:38 PM in response to Jassyby ChrisJ4203,To add to what Gail said here and to also address the comments made by winodog, this isn't about Apple and/or Apple Pay. This is about how the merchant handles the transaction. Many of these merchants are not accustom to change and are reluctant to just believe in what is going on here. Also, many of them use 3rd parties to handle these credit card transactions and these companies have not changed their protocol when it comes to the transactions and are still asking for card verification, signatures, etc. Time is going to determine this, and as a consumer, I would complain to the merchant about the inconveniences experienced and vote with your wallet. Let them know you have choices in where to shop and you can do it at places that are more into the 21st century and can handle these changing transactions more professionally.
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Mar 10, 2015 2:17 PM in response to jbrancby TXCraig,I think if Apple advertises a merchant as accepting ApplePay and letting them put the ApplePay logo on the Tap To Pay machine, they should make sure that merchant DOES NOT REQUIRE A SIGNATURE. Apple is all about the experience and it needs to be the same way everywhere.
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Mar 10, 2015 2:51 PM in response to TXCraigby gail from maine,As was previously posted. The signature has nothing to do with the Apple Pay part....
GB
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Mar 10, 2015 3:02 PM in response to TXCraigby anypats,TXCraig wrote:
I think if Apple advertises a merchant as accepting ApplePay and letting them put the ApplePay logo on the Tap To Pay machine, they should make sure that merchant DOES NOT REQUIRE A SIGNATURE. Apple is all about the experience and it needs to be the same way everywhere.
TThe issue typically isn't because the merchants necessarily wants to get a signature. The signature is stating that you agree to the charges. Technically if you have a transaction that didn't require a signature, you can dispute the charges with your credit card company. the merchants are taking a risk that most people won't dispute a charge under a certain amount. As of right now, a mobile payment with a passcode or fingerprint isn't accepted by the credit card companies as a promise to pay. So first it needs to change with the credit card companies and then merchants may no longer require signature.
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Apr 13, 2015 6:08 PM in response to jbrancby TinCup,Shaw's Supermarkets here in NH asked me to sign AND wanted to see a photo ID. When I refused the request for ID and questioned the need for a signature, the manager was brought over. They backed down on the ID request and said I only had to "make a mark" of some sort on the credit card machine (What's the point of that if it is not a signature - it's not legally binding.)
My "mark" on the keypad: "Refused to sign".... Why don't we all start using that one? LOL
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Apr 13, 2015 6:17 PM in response to TinCupby anypats,Most of the time the requirement to get a signature comes from a corporate office and not the local store. As mobile payments become more popular, signature requirements may change.
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Apr 14, 2015 7:51 PM in response to TinCupby gail from maine,What, exactly, is your issue with signing your receipt for paying with a credit card? This is not unusual, nor does it in any way change the convenience of using Apple Pay. Apple Pay is used to prevent you from having to take out your credit card, swipe your credit card, put in your PIN, or anything else that a criminal might want to pick up to use to invade your privacy. Your signature does not fall under any of those criteria, and the merchant has every right to get you to sign a receipt when you purchase merchandise from them. It's either your PIN or your signature. They aren't going to just take your word for it....
GB
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May 10, 2015 12:55 AM in response to jbrancby Bzebra,So I was reading that most people don't mind signing when using apple pay because they don't have to expose the actual card.. I wish that were the case...
I used apple pay for the first time today on my iPhone 6 plus. I live In a small town, and even though I generally am in the nearest "city" I was super excited to see our local grocery store accepted contactless payment. anyway, I knew it wouldn't be designed for Apple pay and was expecting to have to enter my pin for my debit card. Instead this happens; I use my phone, recognizes print, And hear the beep. Yay! Or not... I then saw on the reader "show card" or something similar, and the cashier proceeds to ask for my Debit Card AND my ID!?!? Which afterwards I had to confirm the amount and proceed to sign for the purchase of $9.42. I know it's not apples fault, but still. If NFC is going to become main stream for payments to be more secure and faster ... It has a long way to go.... Especially in the way of small town stores. Maybe all merchants who have NFC technology should be sent a letter or something to managment of the stores that explains how to properly implement these techniques from the manufacturer of the reader ?
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May 10, 2015 7:22 AM in response to Bzebraby gail from maine,There is a link at the end of this article that you can use to let Apple know about your experience:
https://www.apple.com/apple-pay/where-to-use-apple-pay/
Cheers,
GB
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May 11, 2015 12:45 PM in response to Bzebraby anypats,Bzebra wrote:
So I was reading that most people don't mind signing when using apple pay because they don't have to expose the actual card.. I wish that were the case...
I used apple pay for the first time today on my iPhone 6 plus. I live In a small town, and even though I generally am in the nearest "city" I was super excited to see our local grocery store accepted contactless payment. anyway, I knew it wouldn't be designed for Apple pay and was expecting to have to enter my pin for my debit card. Instead this happens; I use my phone, recognizes print, And hear the beep. Yay! Or not... I then saw on the reader "show card" or something similar, and the cashier proceeds to ask for my Debit Card AND my ID!?!? Which afterwards I had to confirm the amount and proceed to sign for the purchase of $9.42. I know it's not apples fault, but still. If NFC is going to become main stream for payments to be more secure and faster ... It has a long way to go.... Especially in the way of small town stores. Maybe all merchants who have NFC technology should be sent a letter or something to managment of the stores that explains how to properly implement these techniques from the manufacturer of the reader ?
The biggest issue isn't really how Apple Pay (or any NFC payment) works but how the retailer is set up. If the company has a policy to get a signature for every purchase, then no matter what you use, you'll be asked to give a signature. If their policy is to ask to see the card and match the signature to the one on your ID, you may be asked for that information. You may try to explain that it's a mobile payment and therefore they can't compare signatures. However, they may be needing to enter the last 4 digits of the card which you will need to pull up for them on your phone. In any of these scenarios, your best bet is to let the manager of the store know that they may want to rethink their policies regarding asking for ID or signing for mobile payments.
The feedback page for Apple Pay is having trouble using Apple Pay at those locations. Apple can't force, nor will they probably even ask, a retailer to change their policy on what information they ask for during the check out process.
I used Apple Pay three times over the weekend, once for ~$45, once for ~$2, and once for ~$6. Two were from a grocery store and one was from Subway. Never once was I asked to sign or provide ID so it's completely up to the store to change their policies regarding mobile payments.