So many stores in the US have been hit with the new pinpads with chip readers, and many people have no idea how to use them.
If you have a credit card, you sign the pinpad to pay. With the new chip credit card, you might have to enter a pin number instead of signing for it. It varies by bank and credit card company.
If you have a debit card, you type in your pin number, or you could process it as a credit and just sign for it. Money is taken from the same place. With the chip debit cards, you're no longer allowed to sign. You have to enter a pin number now.
So a customer came in today and wanted to buy a few things. He apparently had his wife's debit card with him which is common. His wife's debit card has a chip, and he inserted it.
He blankly stared at the pinpad for a bit and then said "Credit."
The cashier turned the pinpad around to see what was going on and realized the guy had a debit card.
Cashier: "I'm sorry, you have to use a pin number for that card."
Customer: "What? But I want credit!"
Customer: "Oh, Okay."
And then he just slowly walked out. Never said to cancel the transaction or if he was going to the car to get something else to pay with. The cashier and I just kind of looked at each other and laughed.
I had to put all of his cold stuff up. I don't think he came back.
I should add that this is a daily thing, although most people have a backup payment method.