Feature Request: Enhanced Identity Verification & Electronic Signature for High-Value Transactions
I’d like to submit a feature request for the development team to strengthen our in-store checkout process and help reduce chargebacks and fraud.
Feature Availability
This feature would only be enabled for select products or transactions exceeding a configurable dollar amount (for example, $200 or more).
Merchants should be able to customize:
Minimum transaction amount
Eligible product categories (e.g., smartphones, tablets, laptops, gaming consoles, jewelry, etc.)
Proposed Checkout Verification Flow
When this feature is triggered, require the following before completing the sale.
1. Customer Name Entry
The customer must manually type their first and last legal name exactly as it appears on their government-issued photo ID.
The customer should type their name directly on the customer-facing display to ensure they are personally entering the information.
2. Identity & Payment Card Verification
The customer must present:
The payment card being used for the purchase.- A valid government-issued photo ID.
For Contactless (Tap) Payments
If the customer pays using Apple Pay, Google Pay, Samsung Wallet, or another mobile wallet, the customer must open the wallet application and display the digital payment card so the employee can verify the cardholder’s name.
The employee should verify that:
The typed customer name matches the government-issued ID.- The name displayed on the physical or digital payment card matches the ID.
- The government-issued ID matches the typed customer name.
All three records must match before the transaction can proceed.
3. Employee Verification
Before proceeding, the employee must confirm within the POS system:
☐ Government-issued photo ID reviewed
☐ Payment card reviewed
☐ Typed customer name matches the ID
☐ Cardholder name matches the ID
☐ Customer is physically present
☐ Merchandise has been received by the customer
This verification should become part of the permanent transaction audit record.
4. Customer Purchase Acknowledgement
Before signing, the customer must acknowledge the following statement:
“I acknowledge that I have reviewed this purchase, verified that all merchandise listed is correct, have received the merchandise, agree to the merchant’s Terms & Conditions and Store Policies, and authorize this payment using my payment card.”
The customer must accept this acknowledgment before continuing.
5. Electronic Signature (Adopt a Signature)
Instead of allowing a simple handwritten scribble, the customer will complete an Adopt a Signature process.
The customer will:
- Select or adopt a signature style based on their typed name.
- The typed legal name becomes the official electronic signature record.
Date and time are automatically recorded.
Employee verification is attached.
All information becomes part of the permanent transaction record.
This creates a much stronger electronic signature than a simple handwritten line.
6. Receipt Integration
Both the printed and digital receipt should automatically include:
- Customer’s typed legal name
- Electronic signature
- Date & time of signature
- Last four digits of the payment card (masked)
Store location
Register / Terminal number- Employee/Cashier name or ID
Authorization code (where applicable)
The receipt should clearly indicate that the customer:
- Verified their identity
- Authorized the transaction
- Accepted the merchandise
- Agreed to the merchant’s Terms & Conditions and Store Policies
7. Device Information (Phones & Tablets)
For applicable devices, automatically include:
- Device Make & Model
IMEI
Serial Number
Storage Capacity
Color
This directly links the signed authorization to the exact device sold.
8. Transaction Audit Log
The POS should securely retain an internal audit record containing:
- Typed customer name
- Electronic signature
- Date & time
- Employee verification
- Store location
- Register / Terminal ID
- Payment method
EMV transaction type (Tap, Chip, Contactless, Mobile Wallet, etc.)- Authorization ID
- Receipt number
- Device information (when applicable)
This information should remain available for chargeback responses, fraud investigations, and merchant records.
Purpose
The goal of this feature is to create a significantly stronger authorization process for higher-risk purchases.
Today, many signature pads simply capture a handwritten scribble that is difficult to associate with a customer’s actual identity. This provides little value during chargeback disputes.
By requiring:
- A customer-entered legal name
- Government-issued ID verification
- Payment card verification
- Digital wallet verification for contactless payments
- Employee confirmation that all information matches
- Customer acknowledgment of the purchase and merchant policies
- An adopted electronic signature tied to the typed legal name
- The typed name and signature printed directly on the receipt
- A comprehensive transaction audit log
merchants gain substantially stronger evidence that the transaction was authorized by the cardholder and that the merchandise was accepted at the time of purchase.
This also helps eliminate situations where a customer intentionally draws an unreadable signature and later claims they never authorized the transaction. Because the customer’s verified legal name becomes part of the electronic signature record and appears on the receipt, there is significantly stronger documentation supporting the purchase.
Benefits
Reduces fraudulent chargebacks
Strengthens merchant dispute responses
Creates a comprehensive electronic audit trail
Verifies that the customer, ID, and payment method all match
Improves accountability for high-value transactions
Provides stronger documentation for payment processors and card issuers
Protects both merchants and legitimate customers from fraud
Gives merchants greater confidence when selling high-value products
Final Goal
This feature would provide merchants with enterprise-level identity verification for higher-risk purchases while maintaining a streamlined checkout experience.
By combining customer-entered identity verification, payment card verification, employee confirmation, purchase acknowledgment, electronic signature adoption, receipt integration, and a comprehensive audit trail, merchants are significantly better equipped to defend against fraudulent disputes and unauthorized transaction claims.