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Why even require a signature in that case, it's a waste of my time. I've literally wrote "blah blah" and seen the signature accepted notification.

Signatures do absolutely nothing in that case so why bother?




They're not doing on-the-spot signature analysis. You're just harming your own chances of getting a dispute resolved in your favor if you ever need to make one.

When you have a documented history of legit signatures on file, signature difference is one of the factors that get considered in the event you file a dispute.


As of this month (April 2018), the big four card networks have stopped requiring (USA) merchants to collect signatures if chip is used. They had already waived this documentation step for the ~80% of transactions below $50.


I think they just make it harder for you to claim the transaction was fraudulent.


I work in the credit card processing industry and can't even begin to comprehend how a fake signature would help.

It wasn't a valid signature. Even when you attempt to make a legitimate signature on a screen it comes out incredibly poorly. The only legitimaticy is that "someone signed some form of letters/made a drawing of a penis". I can't see why that would ever prevent chargebacks


It’s security theature.




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