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Petsmart was like the before the chip change over. It would typically take a few hundred MS to get approval and print the receipt.

I have noticed that some chipotle cashiers print the receipt before the card goes through, the CFA cashiers could be doing something similar.

To add another data point, the quick-accept only happens under a certain amount, like $25. Anything above that might trigger a signature.

No major issue requires a signature since April. Some places still ask for one because there was no real need to update software over it.