Visa Dropping Signature Requirement for Chip Cards and Apple Pay Starting in April

Visa today announced it will eliminate its signature requirement for EMV payments beginning April 2018 in the United States and Canada.


The change will apply to both chip-and-signature credit and debit cards, and contactless payment solutions like Apple Pay when linked to a Visa credit or debit card. The change is designed to allow for a more consistent, streamlined, and quicker checkout experience for both merchants and cardholders.

For years, customers have been required to sign the receipt when making a purchase to verify they own the debit or credit card they are attempting to use. A cashier is supposed to match the signature on the receipt against the one on the back of the card, but in reality, this process is often skipped nowadays.

Currently, even when using Apple Pay, a signature can be required on occasion for purchases over $25 made with a Visa card in the United States. But with EMV technology and other modern safeguards, Visa is now moving to fully eliminate this requirement, in line with Mastercard, American Express, and Discover.

The signature requirement is already much less common in Canada, where customers insert their chip card into a payment terminal and verify ownership by entering a four-digit PIN. You also can't use contactless payments for transactions over $100 in Canada (update: excluding American Express — thanks Gary Ng!)

Visa says its partners have deployed EMV-chip enabled readers at more than 2.5 million locations around the world. Less than two years since the technology launched in the United States, counterfeit fraud declined 66 percent at EMV-chip enabled merchants, according to the company.

Merchants will remain able to collect signatures if required to do so by an applicable law in a particular jurisdiction.

Related Roundup: Apple Pay
Tag: Visa

Top Rated Comments

(View all)
Avatar
35 months ago
As if retailers or anyone else for that matter check for a signature LOL
Score: 22 Votes (Like | Disagree)
Avatar
35 months ago
FINALLY. now if only Americans got chip and PIN cards instead of chip and signature so I could use them in other countries without worrying it won’t work, especially while trying to buy a train ticket at a machine that requires a PIN. Often my card will get rejected for needing a signature and I have to try to find a manned ticket counter. Not all subway stations HAVE manned ticket counters and then I’m SOL
Score: 13 Votes (Like | Disagree)
Avatar
35 months ago
Progress! Finally!
Score: 10 Votes (Like | Disagree)
Avatar
35 months ago
Meanwhile, in Germany...

“Hey Apple”
“Hello!”
“When do we get Apple-Pay?”


*crickets*
Score: 8 Votes (Like | Disagree)
Avatar
35 months ago

MasterCard can follow suit any time now...

They already announced it back in October. Also for April.
Score: 6 Votes (Like | Disagree)
Avatar
35 months ago


A cashier is supposed to match the signature on the receipt against the one on the back of the card, but in reality, this process is often skipped nowadays.

Often? Nowadays? More like, never checked, ever, for decades.
Score: 4 Votes (Like | Disagree)

Top Stories

iOS 14 Widgets Offer iPhone Users Creative Home Screen Ideas

Sunday September 20, 2020 8:43 pm PDT by
In iOS 14, Apple introduced ‌the concept of Home Screen‌ widgets, which provide information from apps at a glance. Widgets can be pinned to the Home Screen in various spots and sizes, allowing for many different layouts. Despite the relative lack of 3rd party widgets at launch, iOS users around the...

iPhone 12 Lineup Rumored to Be Named 'iPhone 12 mini,' 'iPhone 12,' 'iPhone 12 Pro,' and 'iPhone 12 Pro Max'

Monday September 21, 2020 5:24 am PDT by
Leaker known as "L0vetodream" has today shared the alleged naming for the upcoming iPhone 12 lineup on Twitter. The tweet proposes that the upcoming iPhone 12 models will be titled "iPhone 12 mini," "iPhone 12," "iPhone 12 Pro," and "iPhone 12 Pro Max." The names likely correspond to the three expected sizes of iPhone 12, with the 5.4-inch model being the iPhone 12 mini, the 6.7-inch model ...

Hands-On With the New Apple Watch Series 6 and Apple Watch SE

Friday September 18, 2020 1:19 pm PDT by
Today's the official launch date for the Apple Watch Series 6 and the Apple Watch SE, both of which Apple announced on Tuesday. We picked up a couple of the new models and thought we'd give them a quick look for MacRumors readers thinking of ordering a new watch. Apple Watch Series 6 & Apple Watch SE Hands-On! When it comes to design, both the $399 Series 6 and the $279 SE look just like...

iOS 14 Picture in Picture No Longer Working With YouTube's Mobile Website in Safari [Without Premium]

Friday September 18, 2020 12:21 pm PDT by
Apple in iOS 14 added Picture in Picture to the iPhone, a feature designed to let you watch a video in a small screen on your device while you continue to do other things on the phone. When Picture in Picture was working with YouTube The YouTube app doesn't support Picture in Picture, but up until yesterday there was a functional workaround that allowed videos from YouTube.com to be watched...

When Will the iPhone 12 Launch? Here's What We Know

Wednesday September 16, 2020 6:12 am PDT by
Yesterday's "Time Flies" Apple event saw the release of the Apple Watch Series 6, Apple Watch SE, iPad 8, and iPad Air 4, but no new iPhone models. Rumors before the event strongly alleged that it would not see the unveiling of new iPhones, with many reports pointing to an October launch. The lack of new iPhone models yesterday seems to confirm that the iPhone 12 lineup will not appear...

Here's How You Can Download iOS 14 and iPadOS 14 Around the World [It's Out]

Wednesday September 16, 2020 2:36 am PDT by
Apple's official public release of iOS 14 and iPadOS 14 dropped on Wednesday, September 16, just a day after the company released the Golden Master to third-party developers. Also set to be made available to the general public for the first time are watchOS 7 and tvOS 14. Getting Started With iOS 14 Video Click image to watch iOS 14 Getting Started While that's left a lot of developers...

AirPods Studio Rumored to Come With U1 Chip, Ultra-Wideband Said to Be Vital to Future Apple Ecosystem

Sunday September 20, 2020 6:17 am PDT by
Proven leaker known as "L0vetodream" has today shared a range of information about the ultra-wideband U1 chip in Apple's upcoming AirTags item trackers and AirPods Studio headphones. The first of a series of tweets shared today simply stated that AirPods Studio will contain an ultra-wideband U1 chip. It seems likely that the U1 chip would be used in AirPods Studio to track the location of...

Kuo: Apple to Accelerate Adoption of Mini-LED Displays in iPad and Mac Notebook Lineups

Sunday September 20, 2020 10:00 pm PDT by
Increased competition among Apple's suppliers for mini-LED display chips will accelerate the company's adoption of the advanced technology in its iPad and MacBook lineups, according to a new research note from analyst Ming-Chi Kuo seen by MacRumors. Kuo says that while Epistar had been predicted to be the exclusive supplier of mini-LED chips for Apple products in 2021, Sanan Optoelectronics...

Top Stories: Apple Event Recap, Apple Watch Series 6, Redesigned iPad Air, and More

Saturday September 19, 2020 6:00 am PDT by
This week's news was obviously dominated by Apple's media event and the launch of iOS 14, but there was a lot to digest, so check out our summary below for the high-level view of the past week. With the exception of the massively redesigned iPad Air, all of the new hardware introduced this week is starting to appear on store shelves and on customers' doorsteps, while all of the new software...

Apple Updates AirPods 2 and AirPods Pro Firmware to Version 3A283

Monday September 14, 2020 11:24 am PDT by
Apple today released new 3A283 firmware updates for the second-generation AirPods and the AirPods Pro. The second-generation AirPods are being updated from the 2D15 firmware they were previously running, while the AirPods Pros are being updated from the 2D27 firmware they had installed previously. Apple does not provide details on what's included in refreshed firmware so we don't know what's ...