USA contactless credit/debit/transit (2014-2016)
Jan 23, 2015, 7:36 am
#676
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I saw on the News that Samsung wants to create a service that rivals Apple Pay called Samsung Pay, and it'll use NFC for merchants that have it and Magnetic Induction for those that don't.
This is something interesting, though I doubt Magnetic Induction will work when EMV is rolled out. The terminal will just ask for the chip which you won't have because you don't have your physical cards on you.
Interesting though. I wish Apple would have also went the same route because I'm sure banks would create a special exemption for Apple and EMV, if they had some sort of tokenized magnetic induction.
This is something interesting, though I doubt Magnetic Induction will work when EMV is rolled out. The terminal will just ask for the chip which you won't have because you don't have your physical cards on you.
Interesting though. I wish Apple would have also went the same route because I'm sure banks would create a special exemption for Apple and EMV, if they had some sort of tokenized magnetic induction.
Jan 23, 2015, 1:13 pm
#677
Join Date: Sep 2014
Posts: 1,722
I'd say it sounds like they are planning on replacing any remaining MX870's with MX915's for chip card and most likely they will leave on the Contactless antennas.
Jan 25, 2015, 1:12 pm
#678
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Fuddruckers' MX915 doesn't look like they customized the software actually since the UI seems to be exactly the same as Rubios'. Also, I highly doubt Verifone would design things in such a way that a new EMVco approval would be needed simply to show ads and line items. New Visa/MC/acquirer approval though, possibly.
MX915 datasheet showing that it runs Linux: http://www.verifone.com/media/4300596/mx915_ds_ltr.pdf (PDF)
EMVco level 2 approval for Verifone: http://emvco.com/approvals.aspx?id=85#VERIFONEINC
One of those Linux software modules in the second link probably runs on the MX915/925 even though it's not explicitly mentioned. Even though they don't seem to publicly provide integration documentation it's totally possible that the retailer's code running on the terminal calls some sort of Verifone provided API or application to actually perform the EMV transaction.
The huge graphical terminals are only common at large retailers. A lot of smaller businesses are using the normal two line text LCD (FD35/FD100 combo for example).
MX915 datasheet showing that it runs Linux: http://www.verifone.com/media/4300596/mx915_ds_ltr.pdf (PDF)
EMVco level 2 approval for Verifone: http://emvco.com/approvals.aspx?id=85#VERIFONEINC
One of those Linux software modules in the second link probably runs on the MX915/925 even though it's not explicitly mentioned. Even though they don't seem to publicly provide integration documentation it's totally possible that the retailer's code running on the terminal calls some sort of Verifone provided API or application to actually perform the EMV transaction.
The huge graphical terminals are only common at large retailers. A lot of smaller businesses are using the normal two line text LCD (FD35/FD100 combo for example).
Jan 25, 2015, 2:35 pm
#679
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EMV type approval of the terminal itself (including the firmware and kernel) is only one piece of the puzzle. The payment application running on the terminal (and if the terminal is fully integrated with the POS, the POS application as well) need to be certified, as does the connection and communications between the terminal/POS and the acquirer.
Jan 25, 2015, 3:24 pm
#680
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If a merchant does things right the terminal shouldn't be fully integrated with the POS software. So far I've only heard of one case of a POS with an EMV slot on the merchant side of the counter. Of course, things are fairly up in the air still and merchants who haven't already purchased new equipment might still cheap out.
Jan 25, 2015, 4:27 pm
#681
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This was a lot easier to do in the pure magstripe days, but I feel like this will become harder/impossible once acquirers and card brands start mandating things like end-to-end encryption. Plus I'm not sure that's a good excuse for not having contactless, since judging by Apple Pay's behavior in cardpeek the US will probably use MSD contactless for years after the liability shift anyway (which probably doesn't require any specific approvals).
Jan 25, 2015, 5:06 pm
#682
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Today at Whole Foods I tapped my WF Paywave Debit Card for a $17 purchase, expecting a $25 CMV waiver. Instead, to my surprise, up popped ENTER PIN!
I experienced Tap & Sign last year for an even smaller purchase at Bartell Drugs, but now I can add Tap & PIN as well.
I experienced Tap & Sign last year for an even smaller purchase at Bartell Drugs, but now I can add Tap & PIN as well.
Jan 25, 2015, 5:14 pm
#683
Join Date: Sep 2014
Posts: 1,722
Today at Whole Foods I tapped my WF Paywave Debit Card for a $17 purchase, expecting a $25 CMV waiver. Instead, to my surprise, up popped ENTER PIN!
I experienced Tap & Sign last year for an even smaller purchase at Bartell Drugs, but now I can add Tap & PIN as well.
I experienced Tap & Sign last year for an even smaller purchase at Bartell Drugs, but now I can add Tap & PIN as well.
Jan 25, 2015, 5:29 pm
#684
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BTW MasterCard contactless still fails at Home Depot. Self checkout clerk yelled "card tap not allowed" and cancelled payment.
Jan 25, 2015, 5:37 pm
#685
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Jan 25, 2015, 5:54 pm
#686
Join Date: Sep 2014
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I believe it says something like enter pin or press green for credit on the pin screen. It does the same for Google Wallet at Whole Foods, but Apple Pay doesn't ask for it I believe. @tmiw I hope they fix that issue soon.
Jan 25, 2015, 6:43 pm
#687
Join Date: Jul 2006
Location: SAN
Posts: 1,171
And was this Apple Pay, Google Wallet, or physical card contactless? From our last discussion on the topic I thought the Home Depot/MasterCard contactless problem was specific to Apple Pay.
Jan 25, 2015, 6:45 pm
#688
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Was this the Balboa & Genesee location? If so, then my chat a few weeks ago with their manager apparently when nowhere. Regardless of location, I suggest doing their store evaluation survey thing and rating them as low as possible for the checkout experience; if enough people complain I bet corporate will notice even if local management doesn't.
And was this Apple Pay, Google Wallet, or physical card contactless? From our last discussion on the topic I thought the Home Depot/MasterCard contactless problem was specific to Apple Pay.
And was this Apple Pay, Google Wallet, or physical card contactless? From our last discussion on the topic I thought the Home Depot/MasterCard contactless problem was specific to Apple Pay.
Jan 25, 2015, 7:03 pm
#689
Join Date: Jul 2006
Location: SAN
Posts: 1,171
Interesting. I wonder where the "no contactless at self checkouts" thing came from then, if it's not specific to just one store. It could be a regional thing, maybe if someone outside Southern California has the opportunity to try a MC contactless transaction (to force an error and employee interaction, I suspect Visa or Amex contactless purchase would slip by unnoticed and just work, like it did for me with my physical WF Visa a few months back) and see how the employees react and report back, it might be interesting. Or it might be as simple as that one employee still making up her own rules and having switched stores.
Jan 25, 2015, 8:30 pm
#690
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Old-ish article but interesting:
Seems unlikely though because Discover have gone on record as saying that they're going to join Apple Pay eventually.
My guess is there is some sort of MC specific issue because it sounded like she was reading from her screen. I would have expected it to have been fixed by now though.
But the zinger -- which circulated broadly in the corridors at Money20/20 -- is that Discover may be working on a deal with the Merchant Customer Exchange’s CurrentC mobile payments platform.
That WalMart (WMT) -led initiative -- supposed to launch in early 2015 at more than 80 national retailers including Best Buy (BBY) and CVS (CVS) -- has often been said to exclude traditional credit cards because of the high fees (called “interchange”) imposed on merchants in accepting Visa, MasterCard and American Express.
At Money20/20 in a keynote, however, Dekkers Davidson, CEO of the Merchant Customer Exchange, flatly said that CurrentC will include “open loop” credit cards, that is, cards usable at many merchants as opposed to store brand cards, for instance.
The rumors prompted a question to Nelms at Money20/20 about Discover and MCX which prompted the answer, “We generally sympathize more with merchants than do other [credit card] networks. We were born out of Sears.”
That WalMart (WMT) -led initiative -- supposed to launch in early 2015 at more than 80 national retailers including Best Buy (BBY) and CVS (CVS) -- has often been said to exclude traditional credit cards because of the high fees (called “interchange”) imposed on merchants in accepting Visa, MasterCard and American Express.
At Money20/20 in a keynote, however, Dekkers Davidson, CEO of the Merchant Customer Exchange, flatly said that CurrentC will include “open loop” credit cards, that is, cards usable at many merchants as opposed to store brand cards, for instance.
The rumors prompted a question to Nelms at Money20/20 about Discover and MCX which prompted the answer, “We generally sympathize more with merchants than do other [credit card] networks. We were born out of Sears.”
Interesting. I wonder where the "no contactless at self checkouts" thing came from then, if it's not specific to just one store. It could be a regional thing, maybe if someone outside Southern California has the opportunity to try a MC contactless transaction (to force an error and employee interaction, I suspect Visa or Amex contactless purchase would slip by unnoticed and just work, like it did for me with my physical WF Visa a few months back) and see how the employees react and report back, it might be interesting. Or it might be as simple as that one employee still making up her own rules and having switched stores.