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My biggest hope for this card is that it encourages far more people to use Apple Pay (2% vs 1% cash back), which, in turn, encourages more retailers to optimize
by fitzroy 7y ago
My biggest hope for this card is that it encourages far more people to use Apple Pay (2% vs 1% cash back), which, in turn, encourages more retailers to optimize the checkout process for contactless, and hopefully gets rid of having to use that gross stylus that everybody touches to sign that low-res LED screen with something that looks nothing like my signature.
And it would also be great if it encourages US restaurants to switch to using the portable machine at your table instead of taking your card away.
- whoopdedo 7y agoSignatures are no longer required with chip cards.
- fredophile 7y agoI'm travelling in Europe right now and I can tell you that signatures are definitely still required with the chip. The only exception is if I use the one card I have with contactless payment.
- thecopy 7y agoI live in Europe (Sweden, Germany and Switzerland) and I have never needed to sign when paying with card (i.e. the chip – never used the magnetic strip). Perhaps its because you have a foreign card?
- woahitsraj 7y agoThis is because US Cards have a Chip but no PIN. So the signature is the only "security measure". I've all but stopped using my US Cards for this reason unless the terminal supports contactless through apple pay
- hanklazard 7y agoCorrect, it’s only for Americans traveling abroad. It’s because our credit cards (finally) have chips but no pin. Apparently chip/pin would cause too much friction in the purchasing process or some nonsense like that?
- stephencanon 7y agoIt's even worse. I have a US card that supports chip+pin, but most terminals in Europe will preferentially use chip+signature if it's also supported. So I still end up signing when I travel.
- hvidgaard 7y agoYou normally use a pincode. I cannot remember the last time I had to sign anything anywhere in EU when paying with a chip card.
- rconti 7y agoUS chip cards require a signature in Europe virtually 100% of the time, even on low-value transactions that would be under the signature threshold in the US. However, using contactless avoids signatures 99% of the time. I think I had to sign once on my last trip at a contactless terminal.
- ghaff 7y agoThat's actually my main use for Apple Pay. It's easier in Europe as a way to avoid having to do the signature thing (which the cashier is often not prepared for) with my US chip card. But it only works up to $30 or so.
- hvidgaard 7y agoWhat do you mean with it only works up to $30? I pay bills of several thousands with Apple Pay without pin or signature - I am from EU, but I expect them to work the same.
- ghaff 7y agoPer Apple Support (US page): United Kingdom You might not be able to use Apple Pay for purchases over 30 GBP. https://support.apple.com/en-us/HT207435 https://support.apple.com/en-us/HT207435 I've almost exclusively just tried to use it in the UK and this has been my experience at convenience stores.
- hvidgaard 7y agoJeez, that really limits Apple Pay. I don't carry my CC because I have Apple Pay.
- qntty 7y agoFor American cards they are, but not for most people in Europe.
- mikestew 7y agoMight not be required, but vendors in the U. S. still ask for a signature. Hell, the local pet supply store asks for a signature when I use Apple Pay on my watch. Kinnndda missing the point of NFC there.
- knur 7y agoIt's funny. I'm from a third world country and there restaurant waitresses will bring a mobile card reader to your table. The reason being that it was very common years ago for restaurants to clone your card and then use it somewhere else; so people don't want to lose sight of their card ever to make sure it won't get cloned.