Jan 16, 2017, 6:55 am
Last edit by: storewanderer
Older (archived) threads: 2014-16
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- What is EMV contactless?
EMV contactless is a form of contactless/NFC that uses the same security and encryption that is used when inserting a chip card into an EMV-enabled terminal. Other than not having to sign/enter a PIN for smaller transactions, the security is effectively the same as chip and PIN/chip and signature.
In contrast, MSD contactless is an older version that is designed just and only for the United States. This effectively uses much the same flow as a swiped card transaction with the same rules.
- What is CDCVM?
CDCVM stands for Consumer Device Cardholder Verification Method. It's a method of telling the terminal that the customer verified their identity using their mobile device. Terminals that support it will waive the signature/PIN requirement typically in place for larger transactions, potentially saving time at checkout.
More info: https://support.apple.com/en-us/HT202527
- Does EMV contactless need to be supported to support CDCVM?
Typically, yes. (However, there are some exceptions below.)
- Why can't I tap my foreign-issued contactless card at most places in the US?
This is likely because the store does not support EMV contactless. Foreign issued contactless cards typically do not support MSD contactless since other markets have had EMV for quite some time. In contrast, most stores in the US have yet to get the necessary certifications/software for EMV contactless so they are typically MSD-only--if contactless is enabled at all. (See below for a list of stores where your card will likely work.)
- I paid for a purchase with Apple/Android/Samsung Pay and still had to sign for it.
Most likely, the store in question does not have EMV contactless enabled (see above question). However, there are instances where CDCVM does not work even with EMV contactless enabled. Restaurants that allow tip adjust, for example--where the tip amount is written on a paper receipt and entered by the staff later--cannot support CDCVM. It may simply be a matter of the merchant's processor or the POS software in use not supporting it too.
Another common reason is if you used a US-issued AmEx card with a mobile wallet. AmEx currently does not allow EMV contactless support in mobile wallets for these cards, so they always run as MSD contactless. Because of this, CDCVM is not supported (with very few exceptions, as noted below).
Note: if you used Samsung Pay, you may have paid with MST instead of NFC. Since MST emulates the magnetic pulses that the terminal receives when swiping a regular card, the normal magstripe rules apply.
- How can I tell whether EMV contactless was used?
An easy way to tell if you have Apple Pay is to pay with a Visa or MC while in airplane mode. Wallet will then show a transaction amount next to "Payment" for the card that was used. Alternatively, EMV-related information will typically print on the receipt (AID, etc.) if EMV contactless was used.
(Non-exhaustive) list of EMV contactless supporting merchants in the US:
- 7-Eleven
- 99 Ranch
- Albertsons (Safeway, Vons, Pak N Save, Jewel, Acme, Shaws, Star, Carrs, Randalls, Tom Thumb, Haggen, Eagle, Lucky UT/SoCal)
- Apple Store*†
- Athleta
- Auntie Anne’s Pretzels
- Banana Republic
- Costco Wholesale
- CVS
- DuaneReade*
- El Pollo Loco
- EG Group US (Quik Stop, Kwik Shop, Tom Thumb, Turkey Hill) Note: cashier must press "Electronic Payment" to activate NFC
- Five Below*
- Five Guys
- GAP
- Grocery Outlet*
- Harmon's Grocery
- H&M*
- Jolibee
- Kohl's*
- Lush Cosmetics*
- Maverik
- McDonald's*
- Meijer
- Old Navy
- Panera Bread
- PetSmart
- Ray's Food Place
- Round Table Pizza
- Royal Farms
- Red Ribbon Bakeshop
- Sheetz
- Sherm's Thunderbird Discount Markets Inc.*
- Sprouts
- Staples*
- Starbucks*
- Subway
- Walgreens*
- Weis Markets
- All businesses that use Square and support contactless*
- All businesses that use Clover and support EMV†**
- All businesses that use First Data standalone terminals (e.g. FD100+FD35, FD130) with EMV enabled**
* CDCVM support confirmed
** CDCVM support depends on store/restaurant
† CDCVM supported in MSD mode
USA contactless credit/debit/transit (2017 - 2021)
Mar 26, 2017, 9:16 pm
#571
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
Interesting I have not noticed that before when I go into QT.
Here is an ExxonMobil: https://pbs.twimg.com/media/C72kahoXUAA9lcd.jpg:large with FlexPay IV with both NFC + swipe/chip readers and of course Apple Pay works 100% there. No idea what pos they use inside as I found this on Twitter.
Here is an ExxonMobil: https://pbs.twimg.com/media/C72kahoXUAA9lcd.jpg:large with FlexPay IV with both NFC + swipe/chip readers and of course Apple Pay works 100% there. No idea what pos they use inside as I found this on Twitter.
Speaking of Mobil, the MX915 at one asked me if my Chase Freedom card was a credit or a debit card despite using the chip. I'd have expected it to figure that out without needing any input from the customer.
Mar 27, 2017, 11:11 am
#572
Join Date: Oct 2015
Location: Northern Virginia
Posts: 1,592
Interesting I have not noticed that before when I go into QT.
Here is an ExxonMobil: https://pbs.twimg.com/media/C72kahoXUAA9lcd.jpg:large with FlexPay IV with both NFC + swipe/chip readers and of course Apple Pay works 100% there. No idea what pos they use inside as I found this on Twitter.
Here is an ExxonMobil: https://pbs.twimg.com/media/C72kahoXUAA9lcd.jpg:large with FlexPay IV with both NFC + swipe/chip readers and of course Apple Pay works 100% there. No idea what pos they use inside as I found this on Twitter.
https://twitter.com/_chrisversace/status/846013087882919937
Mar 27, 2017, 11:37 pm
#573
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Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
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Here's something interesting: I can't seem to go to AmEx's Apple Pay landing page via their homepage. Googling worked, however. Same thing for the contactless/chip page as well but I don't think it was ever accessible from the homepage all that long if at all.
Anyway, it's weird since I'd expect at least the mobile wallet pages to be easily accessible without having to Google. I don't know if this means anything though.
Anyway, it's weird since I'd expect at least the mobile wallet pages to be easily accessible without having to Google. I don't know if this means anything though.
Mar 28, 2017, 8:40 am
#574
Join Date: Oct 2015
Location: Northern Virginia
Posts: 1,592
Here's something interesting: I can't seem to go to AmEx's Apple Pay landing page via their homepage. Googling worked, however. Same thing for the contactless/chip page as well but I don't think it was ever accessible from the homepage all that long if at all.
Anyway, it's weird since I'd expect at least the mobile wallet pages to be easily accessible without having to Google. I don't know if this means anything though.
Anyway, it's weird since I'd expect at least the mobile wallet pages to be easily accessible without having to Google. I don't know if this means anything though.
Mar 28, 2017, 8:57 am
#575
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Location: San Diego, CA
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Mar 31, 2017, 7:30 pm
#576
FlyerTalk Evangelist
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I signed up for the SPG card recently. It arrived today and apparently AmEx is still not issuing contactless by default. On the other hand, they did send me a PIN mailer for the card, which they seemingly haven't done for quite a while. (Of course, the card is still signature-only according to cardpeek.)
Mar 31, 2017, 11:56 pm
#577
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
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I signed up for the SPG card recently. It arrived today and apparently AmEx is still not issuing contactless by default. On the other hand, they did send me a PIN mailer for the card, which they seemingly haven't done for quite a while. (Of course, the card is still signature-only according to cardpeek.)
Apr 1, 2017, 12:37 am
#578
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Join Date: Jan 2014
Location: San Diego, CA
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Posts: 15,507
Anyway, I'll store the PIN for it in 1Password just in case but I don't foresee ever using it. I'm not sure what triggers a PIN mailer, either, especially since it doesn't look like AmEx will bring PIN preference to personal/small business cards any time soon if ever.
BTW both Apple and Android Pay for that card are still MSD-only.
Apr 2, 2017, 2:40 am
#579
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Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
Been in Palma de Mallorca, Spain for about 24 hours.
Contactless everywhere.
If the contactless symbol isn't on the terminal, it comes up right away on the screen. I haven't kept the receipts but they say Visa Contactless. Haven't used a MasterCard out of Apple Pay yet.
I will be picking up a rental car to drive around the other parts of the island. Will be curious to see what the gas stations support, especially if any of them are unmanned.
But the little wireless terminals at the restaurants seem to support contactless, at least in this part of Spain.
Contactless everywhere.
If the contactless symbol isn't on the terminal, it comes up right away on the screen. I haven't kept the receipts but they say Visa Contactless. Haven't used a MasterCard out of Apple Pay yet.
I will be picking up a rental car to drive around the other parts of the island. Will be curious to see what the gas stations support, especially if any of them are unmanned.
But the little wireless terminals at the restaurants seem to support contactless, at least in this part of Spain.
Apr 2, 2017, 2:40 am
#580
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Join Date: Jan 2014
Location: San Diego, CA
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Speaking of Apple Pay and AmEx, I used it at a place with a Clover setup tonight and it showed the AID and "no cardholder verification" on the receipt. I'm not sure offhand if this place waives CVM for Visa/MC as well or shows "device verified". I'd think that it wouldn't print any EMV data at all for MSD, no?
Apr 2, 2017, 2:57 am
#581
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BTW, I did a 254 Euro transaction with Apple Pay here, to pay for my apt.
The woman had one of those wireless terminals and she was surprised to see it work.
But the Chase app immediately showed notification on my iPhone for the amount in US dollars while the terminal was still printing receipts. Maybe one of the receipts requested signature.
But I didn't sign nor keep the receipts.
Now I don't keep receipts from Apple Pay transactions but maybe I should. The Apple Wallet shows Latest Transactions and now it shows 10.
It would be nice if it could keep more or at least email them.
The bank apps. Show notifications but that may also have limits. Would be nice to export them to email or something.
The woman had one of those wireless terminals and she was surprised to see it work.
But the Chase app immediately showed notification on my iPhone for the amount in US dollars while the terminal was still printing receipts. Maybe one of the receipts requested signature.
But I didn't sign nor keep the receipts.
Now I don't keep receipts from Apple Pay transactions but maybe I should. The Apple Wallet shows Latest Transactions and now it shows 10.
It would be nice if it could keep more or at least email them.
The bank apps. Show notifications but that may also have limits. Would be nice to export them to email or something.
Apr 2, 2017, 9:33 am
#582
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,512
Speaking of Apple Pay and AmEx, I used it at a place with a Clover setup tonight and it showed the AID and "no cardholder verification" on the receipt. I'm not sure offhand if this place waives CVM for Visa/MC as well or shows "device verified". I'd think that it wouldn't print any EMV data at all for MSD, no?
Apr 2, 2017, 10:11 am
#583
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Apr 2, 2017, 10:20 am
#584
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,059
Is Apple pay resulting in DCC? A fellow FlyerTalk member and I noticed the transaction in USD when he paid with an AmEx (no DCC), even though the charge was in euros.
Apr 2, 2017, 11:55 am
#585
Join Date: Oct 2015
Location: Northern Virginia
Posts: 1,592
Speaking of Apple Pay and AmEx, I used it at a place with a Clover setup tonight and it showed the AID and "no cardholder verification" on the receipt. I'm not sure offhand if this place waives CVM for Visa/MC as well or shows "device verified". I'd think that it wouldn't print any EMV data at all for MSD, no?