Originally Posted by
mdbe
actually the spa i frequent has pin preferring terminals and the way it works is the same as it is for signature-chip us cards. I get the receipt write the tip in manually and they do a post adjust. The only difference is instead of asking for a signature it says no sig required pin verified. Isnt it also against merchant requirements to authorize for the possible tip?
Mastercard in theory doesn't allow tip adjust (writing the tip down on the receipt after authorization) for anything other than card not present and chip/swipe and signature (
source):
I believe the other networks do allow tip adjust with PIN transactions, however, though I could be wrong on that. That said, US issuers of PIN preferring cards could be allowing tip adjust in spite of the rules.
EDIT: Visa and AmEx seem to allow tip adjust for PIN transactions. Discover might not per
this document, but I haven't been able to find their official rules to confirm. It might not matter either way, however, due to there being no third party Discover issuers that I know of (and their self-issued cards being signature-only).