On 11/Oct/18 21:31, Chris Adams wrote:
Requiring an ID is also a violation of the merchant agreements, at least for VISA and MasterCard (not sure about American Express), unless ID is otherwise required by law (like for age-limited products). I've walked out of stores that required an ID.
It has always been curious to me how/why the U.S., with one of the largest economies in the world, still do most card-based transactions as a swipe in lieu of a PIN-based approach. In South Africa (and most of southern Africa), all banks make the use of PIN's mandatory, for all types of cards. With the rest of Africa using credit cards more recently, I imagine they are also PIN-based. Europe also use PIN's, as far as I have experienced. Asia-Pac was swipe-based for a long time when I lived there, but I know places like Malaysia and Singapore have started a major PIN-based transaction drive in the past 3 years. 3D Secure for the online version of the transaction also means your card number and CVV number are less susceptible to fraud via restaurants and the like. Of course, this is not fool-proof, as both the merchant and bank need to support and mandate this, which is not well-done at a global level. Mark.