Why Merchants Still Require Signatures When Credit Card Networks Don’t and Why Travel Writing is So Bad

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About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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  1. Most small merchants have their terminals programmed by their credit card merchant bank. If the bank does not remove the signature requirement it will stay.
    As a small merchant you do nothing different than what the terminal asks for so as to be best protected from fraud claims and chargebacks.

  2. It’s amusing here in Albania where you can use Apple Pay in many places that merchants still demand a signature for these transactions. Then again, I seem to have been the first person to use Apple Pay in a number of these places! We all found it amusing.

  3. For several years I badgered my credit card company (Navy Federal Credit Union) to better provide for my credit card safety by adopting chip and pin as had much of the world. Finally they did and announced to all members that we no longer had to provide a signature when going abroad. Just enter secure pin and done. Everyone was happy.

    But, last year all credit card companies again required us to use signature, not pin , on credit card transactions, except for unattended sale.

    I am posting this from Helsinki again signing my name, again proving to the world that Americans are truly financially screwed up. And making credit card fraud again easy to perpetrate.

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