I suspect regardless of policy, it will be dependent on the cashier/rep because they are the point person interfacing with you.
I had a transaction declined by a cashier because she insisted that I needed an ID and the physical credit card for verification (she was completely clueless and made things up as she went along). But at the same store the day before another cashier had no issue with this.
So like many things in the MR realm, YMMV based on the person you get.