Visa, MasterCard, Discover, and American Express have all introduced special rules to allow eligible transactions to be processed without requiring the customer to sign a receipt. This is referred to in the industry as No Sigature Required (NSR), Easy Pay, and Quick Payment Service (QPS). These programs are designed to allow businesses to keep customers moving through their lines quickly during peak times without compromising their protection in the event of a chargeback or dispute for lack of the signature.
While each brand's programs are similar, the transaction and category of the business accepting the transaction must meet certain criteria in order to qualify for this program. For all card brands, only retail, card present transactions processed with swipe, contactless, or EMV are eligible for No Signature Required.
| Visa | MasterCard | Discover | American Express |
|---|---|---|---|
| Transactions $25 or under, unless supermarket or department store which have a $50 limit. | Transactions $50 or under. | Transactions $50 or under. | Transactions $50 or under. |
| Program is for Debit Cards only at Grocery Stores, Convenience Stores, and Service Stations. For other eligible business types, program is for qualifying credit and debit card transactions. | Program is for qualifying credit and debit card transactions. | Program is for qualifying credit and debit card transactions. | Program is for qualifying credit and debit card transactions. |
The following business types are excluded entirely from the program:
|
The following business types are excluded entirely from the program:
|
The following business types are excluded entirely from the program:
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Amex reserves discretion to disqualify merchants according to their business type, level of risk, occurences of fraud, and other factors at their discretion. |