AMEX PIN still requiring signature

[medhead]

Errr... doesn't that sort of behaviour encourage fraud??

Well it does mke it easir to copy the number of the card. But perhaps it makes it easier to prevent someone who is using a fraudulent card :?:

I guess the other thing is that there are only 2 copies of the imprint one goes to the customer and the shop needs the other to get paid. Ohh and the carbon paper, but the customer should always make sure they get that carbon paper and destroy it.

 

[ChrisFlyer]

In most (Australian) merchant agreements, the only time that a card may be imprinted when submitting the charge electronically is if the number is key-entered into the terminal as a "card-present" transaction where a signature is required (as opposed to MOTO) - as this proves to the bank that the card was properly presented at the time, should a chargeback request arise.

Overseas where chip+pin is the norm, it may be to prove which actual physical card was presented at the time - as the card number on the magnetic stripe can be changed quite easily... But they could just compare the number on the sales receipt to the embossed number instead of imprinting...

 

[nlagalle]

Will the real nlagalle please stand up

My point was correct. Amex cards don't have a pin feature.

The co-branded ones can come with a pin (my NAB amex does) so i can use it at an ATM to withdraw from my savings account.

My ANZ amex which i got last week has no pin with it and that was even stated in the letter from ANZ.

So as to why it is working for some people at some places is a mystery.

 

[ChrisFlyer]

My point was correct. Amex cards don't have a pin feature.

Actually, that point is incorrect

Cards issued by American Express Australia can have a PIN to use the ExpressCash feature (but currently not purchases), and Amex cards from other issuers can be given a PIN to authorise purchases (my CBA and Westpac Amex cards both have a PIN for purchases). The PIN on the CBA card can also be used for ATM cash advances, however the Westpac Amex doesn't support cash advances. Some issuers, such as ANZ, currently don't support a PIN of any type for their Amex cards, but most issuers do.

In the end, it just depends on both the software version that the terminal is running, and whether or not the issuer supports PIN authorisation, to determine whether or not it's possible to use a PIN for purchases.

 

[nlagalle]

Actually, that point is incorrect

Sorry, i meant as in using it for signatures!

 

[ChrisFlyer]

Sorry, i meant as in using it for signatures!

Ahh ok - in that case, my bad

Hopefully it won't be long before ANZ and AMEX-AMEX cards can use PINs... as Visa recently announced it wanted all Australian cards to be Chip+PIN within 5 years... So judging by the fact that Amex is now chip+pin enabled in the UK where they enforce chip+pin, they'll probably keep up when the default technology changes

 

[nlagalle]

Here is the Amex bit on Pen or pin:

https://www.americanexpress.com/australia/safeandsecure/faq_penorpin.shtml

 

[medhead]

My point was correct. Amex cards don't have a pin feature.

Well it maybe correct, but it isn't relevant to the thread,really. But what I found funny was that you then contridicted your point 2 posts later. Bit of a spilt personality day. Certainly this is a paraphasing of how I read posts 1 to about 5.

OP: I have a bank branded card the pin doesn't work

nlagalle: actually AMEX cards don't have a pin

Someone else: actually, is it a bank branded card they do have PINs

nlagalle: Yes, they do have PINs....

Sorry to labour the point, hopefully you can see how funny that appears to someone who gets to read multiple posts in a row.