Credit Card Signatures No Longer Required?

Did you know that back in April of 2018, Visa, MC, AMEX, and Discover relaxed their long stance on requiring signatures for purchases?

I have put together a few interesting articles on the topic to help get to the bottom of what Artisan POS users should do with this new information.

For starters… Direct from VISA…


New options for merchants in the U.S. & Canada: From 14 April 2018, EMV-enabled merchants in the U.S. and Canada have the option to stop capturing signatures as a method of cardholder verification. Those same merchants will also no longer be required to retain and store transaction receipts. Eligible merchants that elect to stop capturing a signature are able to do so for any transaction amount. The changes apply to all transactions at EMV-enabled merchant terminals, regardless of the interface or whether the card is domestically or internationally issued. For EMV-enabled merchants that prefer to continue to capture a signature as a method of cardholder verification or use a signature for ensuring the cardholder’s acceptance of additional terms and conditions of a sale, this announcement has no effect on cardholder verification methods. At the same time, they will not be required to retain and store those receipts. Note: Non-EMV-enabled merchants must continue to follow existing acceptance practices regarding cardholder verification and receipt retention.

Here’s the source


Here’s CNN.


Here’s the NY Times (Click the image)


Although there are alternative views on the topic, it doesn’t change the fact that these old regulations are no longer in place and it’s OK to no longer collect and retain signatures as long as you are using the EMV chip-enabled PIN pad devices.


So what if you want to continue to collect the signature with Artisan POS? Then please do.

  1. Artisan will continue to print a signature copy either automatically, upon demand, or never, depending on your preference.
  2. We continue to offer Signature Capture on the PIN Pad through our merchant partner, Payment Logistics.
  3. We may eventually offer this capability in our new Datacap Trancloud solution if there is a demand for it.


Exceptions: (You should collect a signature, in my professional opinion, under these circumstances.)

  1. Anytime you feel uncomfortable with a transaction you should get a phone number, driver’s license, and signature… especially if it is a large transaction.
  2. Anytime your EMV chip reader fails and you have to swipe the transaction (after 3 tries).
  3. Anytime you are not using your EMV chip reader, which includes telephone or web order or MOTO.

“MOTO payment processing involves an in-depth screening process to verify customer identities because accepting payments in a card-not-present environment presents higher risks of fraud and chargebacks than in a face-to-face retail setting. It’s difficult to know if the person on the phone is the real cardholder, and the transaction record doesn’t involve a signature, PIN or verification of identity, so it usually doesn’t hold up well in the face of a chargeback claim.” –


The bottom line is that there are always some risks involved in accepting payment cards (or any payment type), but the least risky method is with an EMV Chip PIN Pad. CerTek Software is here to assist you with up to date technology and knowledge to help keep you prosperous. We welcome you to contact us with your questions and your unique situation.