Mastercard's Plans to Fully Eliminate Signature Requirement Next Year Will Speed Up Apple Pay

Mastercard today announced that cardholders will no longer have to provide a signature for any purchases in the United States and Canada after April 2018. The change will apply to both debit and credit cards.

mastercard apple pay
Mastercard said removing the need to sign for card-present transactions will not have any impact on customer security due to modern safeguards.

"Our secure network and state-of-the art systems combined with new digital payment methods that include chip, tokenization, biometrics, and specialized digital platforms use newer and more secure methods to prove identity," said Linda Kirkpatrick, an Executive Vice President at Mastercard.

Mastercard's consumer research unsurprisingly found that a majority of people believe it would be easier to pay, and that checkout lines would move faster, if they didn't need to sign the receipt when making a purchase.

Already, more than 80 percent of in-store Mastercard transactions in North America today do not require a cardholder signature at checkout. Mastercard said both customers and merchants support the change.

The long-existing "signature required" clause is intended to verify that customers own the debit or credit card they are attempting to use. The process is supposed to involve the cashier verifying the signature on the receipt matches the one on the back of the card, but in reality, this process is often skipped.

The change should make Apple Pay transactions even quicker for Mastercard cardholders. Currently, even when using Apple Pay, sometimes a signature can be required for purchases over $50 in the United States.

The signature requirement is already very uncommon in Canada, where chip-and-PIN cards are the norm. At most merchants in Canada, customers insert a card into the payment terminal, enter a PIN, and the purchase is completed.

Mastercard removing the signature requirement won't speed up Apple Pay in Canada, however, as contactless payments aren't generally permitted for purchases above $100. Above this limit, customers must use chip-and-PIN.

Mastercard currently doesn't require a signature for purchases totaling $50 or less. Visa's no-signature limit is $25, but the amount is upped to $50 for purchases made at grocery stores and discount stores like Walmart.

Related Roundup: Apple Pay

Top Rated Comments

farewelwilliams Avatar
41 months ago
finally. this never made any sense to me.
Score: 14 Votes (Like | Disagree)
LessO2 Avatar
41 months ago
You mean I won't have to draw a squiggly line in the signature box anymore?
Score: 12 Votes (Like | Disagree)
einsteinbqat Avatar
41 months ago
Let’s all welcome our fellow American friends into modernity in getting rid of the signature LOL
Score: 11 Votes (Like | Disagree)
mlabonte21 Avatar
41 months ago

Yes, this.. I refuse to show ID when I buy anything with a credit card. It does NOTHING to increase security for either me OR the store.


Plus, now I've shown my drivers license with license number to some minimum wage earning employee who can memorize the information for later use.

It's just a terrible idea, all around.

1. Don't knock minimum-wage earners, we all start somewhere.

2. Where do you shop where Rain-Man is the cashier-- memorizing your driver's license # within a 5 second glance??
Score: 7 Votes (Like | Disagree)
SirRahikkala Avatar
41 months ago
Awww, how cute. We europeans welcome you to modern banking. I haven't used signature in ten years (maybe more? different countries, different times). Chip+pin and last couple years NFC for under 25€ purchases and over that chip+pin. If the chip doesn't work (worns, but less than magnetic stripe) then you can always do the old school swipe and signature.
Score: 6 Votes (Like | Disagree)
newdeal Avatar
41 months ago
they need to get rid of the $100 limit up here. it sucks
Score: 6 Votes (Like | Disagree)

Top Stories

0 Deals Hero

Black Friday 2020: Best Apple Deals to Plan For

Saturday November 21, 2020 10:00 am PST by
In the lead-up to Black Friday next week, we've been putting a spotlight on the best deals coming from various retailers like Best Buy and Walmart. In an effort to further prepare our readers for the best Black Friday deals, we're breaking down what we think should be on your radar for Black Friday in 2020. Note: MacRumors is an affiliate partner with some of these vendors. When you click a...
2020 apple shopping event

Apple Offering Up to $150 Gift Card With Select Products on Black Friday Through Cyber Monday

Monday November 23, 2020 2:53 am PST by
Apple has announced its annual four-day shopping event, offering customers up to a $150 Apple Store gift card with the purchase of select products between Black Friday and Cyber Monday in the United States. The gift card values in the United States are as follows: $150 for 16-inch MacBook Pro $150 for 21.5-inch iMac $50 for 13-inch MacBook Pro $50 for MacBook Air $50 for iPhone SE,...
m1 mac mini vignette

Apple Lists M1-Based Mac Mini Logic Boards With 10 Gigabit Ethernet in Internal Parts Ordering System

Friday November 20, 2020 9:32 am PST by
While the new Mac mini with the M1 chip is only available with Gigabit Ethernet, Apple has listed multiple M1-based Mac mini logic boards with 10 Gigabit Ethernet in an internal parts list for Apple Authorized Service Providers. For every Mac mini logic board with Gigabit Ethernet in the parts list, obtained by MacRumors, there is a corresponding logic board with 10 Gigabit Ethernet:...
ipad pro 2020 display

Black Friday Week Kicks Off With Up to $150 Savings on 2020 iPad Pro

Sunday November 22, 2020 2:37 pm PST by
As we head into Black Friday week, we're seeing some of the best deals of the season so far, with Amazon and Best Buy today discounting the latest iPad Pro models by up to $150 at the lowest prices we've ever tracked on these models. Note: MacRumors is an affiliate partner with some of these vendors. When you click a link and make a purchase, we may receive a small payment, which helps us keep ...
macos big sur m1 macs restore issue

Apple Provides Instructions to Fix macOS Reinstallation Errors on M1 Macs

Sunday November 22, 2020 3:30 pm PST by
Shortly after the launch of Apple's new M1 Macs, we saw reports that attempts to restore and reinstall macOS on those machines right away could result in an installation error that would leave your Mac non-functional. Specifically, the error message would read: "An error occurred preparing the update. Failed to personalize the software update. Please try again." Over the weekend, Apple p...
iPhone 6s main

Rumor Claims iOS 15 to Drop Support for iPhone 6s and Original iPhone SE

Sunday November 22, 2020 9:25 am PST by
Apple will drop support for the iPhone SE, iPhone 6s, and iPhone 6s Plus in next year's release of iOS 15, according to a rumor shared today by Israeli site The Verifier. If the rumor is accurate, that would mean iOS 15 will be compatible with the following Apple devices: 2021 iPhone series iPhone 12 Pro Max iPhone 12 Pro iPhone 12 mini iPhone 12 iPhone 11 iPhone 11 Pro iPhone 11 Pro ...
new m1 chip

Craig Federighi: Native Windows on M1 Macs is 'Really up to Microsoft'

Friday November 20, 2020 11:57 am PST by
Following the release of the M1 Macs Apple executives have been doing interviews with a range of publications, and today, Ars Technica published another interview with software engineering chief Craig Federighi, hardware technologies lead Johny Srouji, and marketing VP Greg Joswiak. Much of the interview focuses on topics that the three have already covered in prior discussions, but there is ...
Walmart November Deals Hero

Black Friday Spotlight: Walmart Will Have AirPods Pro Down to Lowest Price of $169, and More Apple Deals

Thursday November 19, 2020 8:05 am PST by
We've been tracking early Black Friday deals in our dedicated Black Friday Roundup, and in an effort to prepare our readers for the big shopping event we're highlighting sales store-by-store in the lead-up to November 27. Note: MacRumors is an affiliate partner with Walmart. When you click a link and make a purchase, we may receive a small payment, which helps us keep the site running. Next ...
xlK6MS4MLqVFaskl

iFixit Shares iPhone 12 Pro Max Teardown Revealing L-Shaped Battery and Bigger Camera Module

Sunday November 22, 2020 2:53 am PST by
In the last of its iPhone 12 series teardowns, iFixit has published its iPhone 12 Pro Max disassembly, which reveals some unique differences in the design of the internals, including the full extent of the larger camera system responsible for the improved low-light performance on Apple's largest iPhone to date. On opening the iPhone 12 Pro Max, the first obvious difference compared to the...
apple leather sleeve

Leather Sleeve for iPhone 12 Models Now Available From Apple

Friday November 20, 2020 12:16 pm PST by
Apple today began selling the Leather Sleeve for the new iPhone 12 models, with the accessory having first been announced alongside the updated iPhones in October. Priced at $129, the Leather Sleeve is not a case and is designed to be removed when the iPhone is in use. It features a cutout at the front that displays the time, and it comes with a matching leather strap. According to Apple, it ...