Any drawbacks to EMV chips?

[NRB525]

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@Anonymous wrote:

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@Shock wrote:

If it's chip and sig, it will be a pain to have to sign in the drive thru, electonic or not.

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you can just draw a line and hit accept, and the transaction will still go through, let's face it, signatures on those machines look nothing like your actual signatures anyways.

What my signature looks like

What my singature looks like on credit card machines

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Mine is pretty much a squiggle anymore. I used to get "try again" but not so much lately, I think they gave up on my penmanship.

[Shock]

Haha, just putting a scribble where you're supposed to sign is pretty classic.

[nyancat]

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@NRB525 wrote:

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@Anonymous wrote:

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@Shock wrote:

If it's chip and sig, it will be a pain to have to sign in the drive thru, electonic or not.

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you can just draw a line and hit accept, and the transaction will still go through, let's face it, signatures on those machines look nothing like your actual signatures anyways.

What my signature looks like

What my singature looks like on credit card machines

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Mine is pretty much a squiggle anymore. I used to get "try again" but not so much lately, I think they gave up on my penmanship.

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If that was real, I'd absolutely refuse your purchases. Not because you scribbled, but because there are many features that are horrifically inconsistient. The second one joins letters in different places, uses small caps A's, etc. It isn't just a scribble, it's a clearly different person's scribble.

[Anonymous]

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@Shock wrote:

Not sure how it is where you live, but there are people of all ages who work at Mcdonalds here. I get that it's a "First Job" type of job, but some people have worked there for years at the ones I go to. But I guess they are still untrained to EMV cards. But my point is, I don't think age has anything to do with it.

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@ArmyVietVet wrote:

Considering it is McDonalds with young people probably working their first job with virtually no training on the use of the credit/debit other payment processing, it doesn't surprise me. They have enough to do getting the order filled correctly. Technology hmm...?

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Yeah ... forgot, they go in cycles here... lots of young people first job and then there appear older workers because the young people can't work all the work shifts (forgot about that) good point. Also, most of the times I hit Mac & Dons when the young people are working so I expect the unexpected where orders are filled wrong, people can't count change, the order get misplaced (say what - yeah) and I need to add the older workers goof up too. Never use my debit/credit cards because the (employee) takes the card inside where I can't see it and I don't trust (right or wrong on my part). So cash is king for me at drive thru's and none of mine advertise "pay pass" like options or (may they have it but I can't find it - yes I know "blind in one eye and can't see out the other"). This is what I have found in my travels and living in the outback of America.

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[Anonymous]

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@nyancat wrote:

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If that was real, I'd absolutely refuse your purchases. Not because you scribbled, but because there are many features that are horrifically inconsistient. The second one joins letters in different places, uses small caps A's, etc. It isn't just a scribble, it's a clearly different person's scribble.

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assuming that you'd actually have to ask my ID and carefully comparing two signatures, and when was the last time you've seen any cashiers do that?

[nyancat]

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@Anonymous wrote:

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@nyancat wrote:

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If that was real, I'd absolutely refuse your purchases. Not because you scribbled, but because there are many features that are horrifically inconsistient. The second one joins letters in different places, uses small caps A's, etc. It isn't just a scribble, it's a clearly different person's scribble.

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assuming that you'd actually have to ask my ID and carefully comparing two signatures, and when was the last time you've seen any cashiers do that?

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Absolutely wouldn't ask for ID, I'd just compare the signature on the card to what you signed on the (phone in my case, because I use Square). I've never refused a card for a clearly fake signature, but I have refused a card for signing a completely different name (trying to use a spouse's card). In both cases, the people were very thankful to me, and said they understood and they should be carrying their card. The nature of my business and trust is such that I just told them to come back later to pay me with their spouse, and both did.

[Shock]

im not sure anybody signs the back of cards anymore. Or do you mean cross referencing with the signature on their ID? California driver licenses have them..not sure of the other states

[Anonymous]

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@nyancat wrote:

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@Anonymous wrote:

FWIW, I've used a EMV card in the slot at a 7-11 in Australia once and it was pretty fast. So far that hasn't been the case for places in the US that have upgraded. 

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It's pretty fast at Walmart now. First Data is slow for magstripe and contactless too.

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I used my CSP in wal-mart for thefirst time this past Friday. It took about 3 seconds for the card reader to read my chip, process, and then display the message of "You may now take out card" This was way much faster than using my debit card. Pretty cool

[Anonymous]

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@nyancat wrote:

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@Shock wrote:

Not sure how it is where you live, but there are people of all ages who work at Mcdonalds here. I get that it's a "First Job" type of job, but some people have worked there for years at the ones I go to. But I guess they are still untrained to EMV cards. But my point is, I don't think age has anything to do with it.

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@ArmyVietVet wrote:

Considering it is McDonalds with young people probably working their first job with virtually no training on the use of the credit/debit other payment processing, it doesn't surprise me. They have enough to do getting the order filled correctly. Technology hmm...?

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I'd suspect that the poster of that concern had an issue other than EMV. I've never seen a US-based, EMV-enabled McDonald's nor have I heard of one. He may have been at a test store or something, but I'd expect the staff at such a store to be well-aware by now how to run an EMV card given they're a couple percent of the market and growing rapidly. The normal McDonald's US terminals generally do not have EMV support (they have a few with EMV slots, but they seem to be located more by coincidence, I've never seen more than one or two in a store).

McDonald's will be an interesting migration case, given the lack of contactless cards in the US market. McDonald's is all about speed, and may be very hesitant to switch until they absolutely have to (which isn't October 2015, that's a liability shift not a network mandate). The occasional counterfeit card may prove less costly to McDonald's than the slowdown of contact EMV. It will be quite interesting to see what they choose to do.

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I wonder if this switch will have an impact on the stock prices of companies that are manufacturing these card readers...hmmm

[nyancat]

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@Shock wrote:

im not sure anybody signs the back of cards anymore. Or do you mean cross referencing with the signature on their ID? California driver licenses have them..not sure of the other states

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I've only had a couple unsigned cards and I've done exactly what you're supposed to - ask for ID, and take out a pen and ask them to sign the card noting that the card clearly states it is not valid without a signature.