Signature No Longer Required on EMV and NFC Sales

BASYS Processing - Signature Not Required

Signature No Longer Required on EMV and NFC Sales

Effective April 2018, all major card brands have adopted the practice of making the signature no longer required on EMV and NFC sales.  So, if you have equipment that is able to accept EMV chip cards or NFC payments (Near Field Communication / Contactless / ApplePay / etc), you do not need to require a signature from your customers when you accept their cards. For the time being, most credit card terminals or point of sale devices will still print a receipt including a signature line. You are welcome to continue asking your customers for a signature on all sales if you’d like to remain consistent.


Swiped transactions still require a signature 

*** PLEASE NOTE:  If you accept a swiped transaction, you are still required to collect a signature on those sales.


Why is signature no longer required on EMV and NFC sales?

The card brands decided to make this policy official after a gradual change in the industry proved that it is rare for any merchant to check the signature on a receipt against the signature on the back of a credit card. So, even if a signature was gathered at the time of the sale, the transaction could have been fraudulent. Now with EMV chip card technology, creating fraudulent cards is extremely difficult, so risk of a fraudulent transaction is much lower.


Is handling chargebacks different now?

It is still possible that someone could use a stolen card at your location. For chargebacks in response to EMV or NFC transactions, you can provide a receipt without a signature. The receipt should show that the card was accepted via EMV or NFC. However, for swiped transactions, in the event of a chargeback, it is necessary to supply a copy of a signed receipt.  This shift in requirement doesn’t change your liability in chargebacks and you will still need to respond with a proper explanation, depending on the reason code for the chargeback. It is still your responsibility as a merchant to watch for red flags of fraud and avoid taking payment on stolen cards or without the proper cardholder’s authorization.

For your reference, here are the official announcements from the major card brands:
American Express

BASYS Processing as a business partner

If your current credit card processing provider isn’t meeting your goals in terms of low fees and exceptional service, please call BASYS Processing at (800) 386-0711.  Let’s talk about creating a true business partnership that will help you meet and exceed your goals for accepting credit cards and other payments.  We make accepting debit cards and credit cards convenient, safe & affordable.

BASYS Processing features:

–  Live operator when you call support – no automated voice systems
–  Dedicated Relationship Manager for questions and concerns
–  Quick response time for your questions and concerns; you are a priority
–  Family owned since our founding in 2002
–  A+ BBB rating
–  90% + Customer Retention Rate
–  Proactive contact with every merchant to walk through the annual PCI process
–  In-house PCI Team to assist with questions and concerns
–  Solutions including terminals, virtual terminals, e-commerce, mobile, and point of sale
–  EMV compliant products
–  Reporting for customer, sales, and inventory management
–  Gift and loyalty card programs
–  Easy-to-read statements
–  Transparent pricing
–  Tremendous savings


About BASYS Processing

BASYS Processing provides credit card and debit card processing services, and solutions that include terminals, virtual terminals, e-commerce, mobile, and point-of-sale, customized to fit any need.  Banksassociations, and software partners depend on us to strengthen their reputations and relationships with their customers by providing remarkable service paired with ultimate flexibility and pricing. Merchants depend on us to make accepting credit cards and debit cards convenient, safe & affordable. BASYS was founded in 2002 on one philosophy: to take care of our merchants, partners, and employees so they never want to leave. We are dedicated to working one-on-one with our customers to design the perfect solution. BASYS is Personalized Payment Processing.

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