Established Contributor
teenastie
Posts: 638
Registered: ‎07-28-2011
Re: zync with express pay

Walt_K wrote:

teenastie wrote:

 

Someone correct me if I'm wrong but... I believe Amex doesn't require their members to sign for any transaction... :smileyindifferent:


Never heard that.  Are you confusing requirements for signature with having to show ID?



To be honest I can't remember where I read it, but I remember reading it somewhere. Could have been the small print, could have been a blog, could have been here in the forums. I read alot, but misinformation seems to stick with me better than actual facts...



Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
Re: zync with express pay

afbar1114 wrote:

Walt_K wrote:

teenastie wrote:

steve23111 wrote:

Benefits of expressPay:

1. Higher signature thresholds at many retailers. I have found that often I have to sign for a transaction over a certain amount, say, $25, while at the same merchant an expressPay transaction doesn't require a signature until a higher amount.

2. Retailers that are known for demanding an ID for a credit card transaction (in my experience) don't do so for expressPay transactions. Case in point: Best Buy.

3. It is a few seconds faster.

4. The cool factor.

 

Drawbacks:

1. expressPay transactions don't show as much detail on the AMEX statements.  For example, all I see are a bunch of  "expressPay on Blue" transactions, without much in the way of information as to where the transaction happened, which can be a little problematic for me since I will can a hundred or more in any given month-- 7-Eleven, CVS, McDoanld's, Burger King, etc.

2. expressPay transactions don't count for AMEX promotions like "Like, Link, Love" or Shop Small.

3. I'll mention the potential security concern, but honestly, it doesn't bother me. It's a credit card so I'm protected regardless. If it were a debit card, it would be another story.


Someone correct me if I'm wrong but... I believe Amex doesn't require their members to sign for any transaction... :smileyindifferent:


Never heard that.  Are you confusing requirements for signature with having to show ID?


i work in a retail store and amex requires a zip code no matter how much and it will not go thru if you dont provide it.... anything over $24.99 needs to be signed for anything under doesnt reqiure a signiture


Where is this?  I have rarely been asked for my zipcode and never been required to give it.  The only place I can think of where I have provided a zipcode for a purchase is at a gas pump. 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Senior Contributor
john398
Posts: 3,521
Registered: ‎01-19-2009
Re: zync with express pay
[ Edited ]

Walt_K wrote:

afbar1114 wrote:

Walt_K wrote:

teenastie wrote:

steve23111 wrote:

Benefits of expressPay:

1. Higher signature thresholds at many retailers. I have found that often I have to sign for a transaction over a certain amount, say, $25, while at the same merchant an expressPay transaction doesn't require a signature until a higher amount.

2. Retailers that are known for demanding an ID for a credit card transaction (in my experience) don't do so for expressPay transactions. Case in point: Best Buy.

3. It is a few seconds faster.

4. The cool factor.

 

Drawbacks:

1. expressPay transactions don't show as much detail on the AMEX statements.  For example, all I see are a bunch of  "expressPay on Blue" transactions, without much in the way of information as to where the transaction happened, which can be a little problematic for me since I will can a hundred or more in any given month-- 7-Eleven, CVS, McDoanld's, Burger King, etc.

2. expressPay transactions don't count for AMEX promotions like "Like, Link, Love" or Shop Small.

3. I'll mention the potential security concern, but honestly, it doesn't bother me. It's a credit card so I'm protected regardless. If it were a debit card, it would be another story.


Someone correct me if I'm wrong but... I believe Amex doesn't require their members to sign for any transaction... :smileyindifferent:


Never heard that.  Are you confusing requirements for signature with having to show ID?


i work in a retail store and amex requires a zip code no matter how much and it will not go thru if you dont provide it.... anything over $24.99 needs to be signed for anything under doesnt reqiure a signiture


Where is this?  I have rarely been asked for my zipcode and never been required to give it.  The only place I can think of where I have provided a zipcode for a purchase is at a gas pump. 


I bet its not in California as its illegal

http://articles.latimes.com/2011/feb/11/business/la-fi-0211-privacy-20110211

Established Contributor
teenastie
Posts: 638
Registered: ‎07-28-2011
Re: zync with express pay

afbar1114 wrote:

i work in a retail store and amex requires a zip code no matter how much and it will not go thru if you dont provide it.... anything over $24.99 needs to be signed for anything under doesnt reqiure a signiture


Is this requirement for Amex only? Or does your job require it for all card transactions?



Valued Contributor
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
Re: zync with express pay

teenastie wrote:

afbar1114 wrote:

i work in a retail store and amex requires a zip code no matter how much and it will not go thru if you dont provide it.... anything over $24.99 needs to be signed for anything under doesnt reqiure a signiture


Is this requirement for Amex only? Or does your job require it for all card transactions?


amex only and when i got my amex i tried entering in the wrong zip code and it wouldnt go thru. it says in valid billing zip code...then i entered my right one in and it went thru 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
New Contributor
in0wh3r3ul1v3
Posts: 55
Registered: ‎08-15-2011
Re: zync with express pay

bought something from walgreen's last night and they asked for zip code.. another one i can think of is redbox?

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Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
Re: zync with express pay
[ Edited ]

in0wh3r3ul1v3 wrote:

bought something from walgreen's last night and they asked for zip code.. another one i can think of is redbox?


If we're talking about self serve checkout and kiosks, I can see it.  But I've never had a cashier/clerk tell me I had to give my zip code for them to complete a transaction.

 

ETA: I've had lots of clerks ask for my zip code or phone number, but I always say no.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Valued Contributor
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
Re: zync with express pay

Walt_K wrote:

in0wh3r3ul1v3 wrote:

bought something from walgreen's last night and they asked for zip code.. another one i can think of is redbox?


If we're talking about self serve checkout and kiosks, I can see it.  But I've never had a cashier/clerk tell me I had to give my zip code for them to complete a transaction.

 

ETA: I've had lots of clerks ask for my zip code or phone number, but I always say no.


i think its good because it keeps other people from using it if they steal it


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
Re: zync with express pay

 

I've had to provide my ZIP a few times when paying with my ZYNC ~ mostly smaller stores if I recall, a few gas stations as well.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Koop10010
Posts: 731
Registered: ‎02-15-2012
Re: zync with express pay

I've used my Amex in tons of places that haven't asked for a zip code.  I think the only place I frequent that asks is Domino's Pizza, and I recently used a Visa and they asked for that zip as well.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday