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Old May 31, 2017 | 11:12 pm
  #154  
Majuki
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Originally Posted by Tyler2017
Didn't Costco and the others listed above enabled EMV already? Why did the terminal allow the chipped UnionPay card to be swiped? That defeats the purpose of having EMV in the first place!
It's not because of the EMV setup at the retailer. You're right that they've enabled EMV, but UnionPay doesn't use EMV for its chipped transactions. It uses the PBOC (People's Bank of China) protocol, which I haven't seen a US terminal support. This is also why it's increasingly difficult to use a Discover card in Mainland China through the interoperability agreement. Pretty much using a Discover card in China or a UnionPay card in the US is causing a fallback transaction.
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