Effective April 2018, the major card brands including Visa, MasterCard, Discover and American Express no longer require a cardholder’s signature for credit or debit card purchases in the U.S. and Canada. This aligns with the world’s shift to digital payments and allows for a faster, more convenient check-out process for you and your customers.
Removing the signature requirement does not impact your security or safety as EMV technology and tokenization are superior fraud-protection methods compared to signatures.
Visa supports this change for EMV-enabled merchants only.
Is this required?
Removing the signature requirement is optional, and you will want to assess your business needs to determine if disabling signature verification works for you. Keep in mind that the signature is no longer required by the credit card companies, and removing this component of the payment process does not adversely impact your security or fraud prevention.
What do I need to do?
If you wish to have the signature prompt removed from your terminal(s) during the checkout process, please refer to the following applications to confirm any action that may be required on your part:
The method for disabling the signature prompt on your Bolt terminal(s) is dependent on which type of user you are:
- Merchants using an Integrated Software Vendor (ISV)
Please reach out to your software company. Your software provider will work with our teams to make the required changes and notify you.
- ISV Partner
If you are an ISV partner, please refer to the March 26, 2018 email with the subject line "Say Goodbye to Cardholder Signatures!" for further instruction.
Bolt API Configurations
If you integrate with the BOLT API and would like to disable the signature requirement, you will need to update your implementation.
- Remove the readSignature endpoint.
- Update the "includeSignature" parameter to "false" for the following endpoints:
If you use the desktop tokenizer, you will need to update your
cs.ini file. In the file, update the "signature" option to "false".
Dynamic Link Library (DLL)
- Ensure you are using the the most recent version of the Dynamic Link Library as it has been updated to support disabling the signature requirement.
- Update the ".getsignature" parameter to "false".
CardPointe Terminal Users
If you are a CardPointe Terminal user and if you wish to have the signature prompt removed from your terminals, please contact CardPointe Support to get the process started. Our support team will need to make a few configuration changes to your device(s) to remove the signature prompt.
CardPointe Mobile Users
If you use the CardPointe Mobile app to manage transactions made on a Bolt terminal, you can remove the signature prompt that displays on the terminal as follows:
- Within the CardPointe Mobile app, tap the menu icon in the top-left corner.
- Under "Settings", tap Hardware.
- Scroll down to the bottom of the "Terminal Settings" section and tap the Bolt Terminal Signature toggle to enable or disable the signature prompt on the Bolt terminal.
If you process transactions on your Bolt device with the CardPointe Virtual Terminal, please refer to the Configure Bolt Virtual Terminal Settings instructions on this site for details on disabling the signature prompt from within CardPointe.