Originally Posted by
AllieKat
Amex used to do a separate PAN. It caused a lot of problems. Returns on a terminal without contactless, etc. Also it does no good. The CVV is different.
Finally, auto-declining non-contactless transactions using contactless data will break contactless anywhere using Verifone terminals and MSD contactless (McDonalds, Five Guys, etc).
AmEx's thing was also back before there was a standard for tokenization. I imagine it'd be much easier to have things working correctly now since a lot of the work was already done to get Apple Pay et al working.
BTW it is possible for issuers to see that MSD contactless was used (vs. magstripe), at least on MC. See
this document page 1-10.