I understood that as of about 3 years ago if a merchant had a chip reader card reader the card companies do not care if there is a signature or not. The chip card is more secure then a signature.
So why did Ace hardware want a signature on a germy screen with a germy stylus for a 25 dollar transaction? They had no hand sanitizer to sell by doing so.
After 9/11 the requirement for flying paper checks to a bank to be cashed was removed and scans became legal. Maybe the Corona virus will make merchants change their old ways again.
Bil lD