也就是说，以后北美地区的Visa用户在使用Apple Pay、Google Pay（以前称为Android Pay / Google Wallet）和Samsung Pay进行交易时，只需通过经过身份验证的设备触摸付款终端即可。 EMV芯片和非接触式支付通常依赖于单个交易的标记化的一次性代码，而不是在多个交易中重复使用相同的代码，从而减少了欺诈的可能性。
Visa today announced that it will join MasterCard, American Express, and Discover in eliminating the need for signatures when making any EMV chip or contactless payment, starting this April.
The change will enable North American users of Apple Pay, Google Pay (formerly Android Pay/Google Wallet), and Samsung Pay to complete Visa transactions with little more than an identity-authenticated touch of the device to a payment terminal. EMV chip and contactless payments generally rely on tokenized one-time codes for individual transactions, rather than reusing the same code across multiple transactions, reducing the potential for fraud.
Noting that credit card fraud has declined 66 percent in the United States in the less than two years since EMV chips were launched, Visa cites increased convenience as its reason for the change, along with use of “advanced analytics and biometrics” that are increasing transaction security.
Visa’s move follows similar announcements made by MasterCard, American Express, and Discover last year. All four of the companies are dropping the signature requirement this April across the United States and Canada. Discover will also eliminate it for Mexico and the Caribbean, while American Express is dropping signature requirements worldwide.
Depending on the card provider, a signature was previously required for payments exceeding either $25 or $50, as a backup means to confirm that the transaction was undertaken by the cardholder. In practice, some vendors skipped signature validation altogether, despite the requirement; Visa’s new rule will make the signature optional, at the vendor’s discretion.