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USA EMV cards: Availability, Q&A (Chip & PIN -or- Chip & Signature) [2012-2015]

Old Sep 20, 2013, 11:40 am
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Last edit by: philemer
Posts from 1/1/16 onward can be found here: http://www.flyertalk.com/forum/credit-card-programs/1739359-2016-onward-usa-emv-cards-availability-q-chip-pin-signature.html

EMV wikipost volunteers: kebosabi

What is EMV?
EMV is a defacto global standard of technology where there is a visible microchip on the front of the card. It looks like this:

Who issues them?
See Google Docs spreadsheet in Post #1

SFOAMS also has created a list of excellent webpage that shows US EMV cards in a more interactive interface

Another site, which lets you narrow the search for an EMV card by various parameters, is http://www.spotterswiki.com/emv/index.php.

Several credit unions issue some form of Chip-and-PIN credit cards or prepaid cards. Prepaid EMV cards however are not recommended due to junk fees. USAA (currently restricted to members of military) used to offer Chip-and-PIN cards, but as late has backtracked to Chip-and-Signature priority.

Hey that's a cool Google Docs list! I know others that aren't on that list. How can I help by adding them to the list?
My bad for not putting this into the wiki sooner. Right now, the Google Docs is locked out of editing and only in "read-only" view because there were instances in the past where people would just delete the rows not thinking that it affects others viewing the list.

If you promise not to delete any rows and input all the pertinent info (annual fee, rewards, FTF, etc.), I can provide you with edit access. Just shoot me a PM to kebosabi with your gmail address and I'll provide you edit access.

Thanks for helping out!


As of October 2014, no USA-based card issuer offers Chip-and-PIN priority cards except for BMO Harris (Diners Club) and UN Federal Credit Union. Other major USA-based banks such as BofA, Chase, Citi, as well as others issue Chip-and-Signature cards which may work at many automated kiosks. However, bear in mind the word may is used above is a context where there is no absolute certainty of success for certain environments such as automated kiosks due to different natures of offline and online transactions. It is highly recommended to read Post #3 which lists real life FTer examples on how Chip-and-Signature worked and did not work at various transaction environments.

Can I upgrade it right now?
If it's listed on that Google Docs spreadsheet or SFOAMS' Silk page, wouldn't hurt to call/twitter them for a free upgrade. If you get the response you don't like, hang up, try again.

What is the difference between Chip-and-Signature and Chip-and-PIN?
You insert the chipped card into the slot. The physical contact terminal will read the EMV chip and the terminal will automatically read the preferred cardholder verification methods (called CVM) for that card.

Chip-and-Signature means that the terminal will printout a receipt for you to sign. This is the most prevalent authentication for most US issued EMV cards. Chip-and-Signature helps in a way that it will get through to face-to-face merchant transactions where you and the merchant do not speak the same language.

Chip-and-PIN means that the terminal will prompt you to input a PIN for authentication. Some credit union issued credit cards will have this CVM as secondary if Chip-and-Signature cannot be done. Chip-and-PIN is the more prevalent method of authentication used outside the US, especially in transaction environments where no human interaction is needed (i.e. automated gas pumps, toll roads, train kiosks, etc.).

The Google Docs spreadsheet will list which CVM are used in the EMV cards listed. Some cards can only do Chip-and-Signature. Other cards can do both Chip-and-Signature and Chip-and-PIN. And others might have a third option called No CVM (no authentication needed) which is reserved for low value transactions.

One chip can hold a lot more data, therefore it is capable of doing multiple verification methods. That's one of the great things about EMV over the mag-stripe which can hold very little data.

I want to know for sure what my EMV chip does. Is there anyway I can test out my own EMV card to see what the CVM list is?
alexmt has written up a nice step-by-step procedure on Post #3615.

If most of the EMV cards in the US is the Chip-and-Signature type, doesn't that mean it's still useless abroad?
Depends if you see it as glass half empty or glass half full. See Post #3 for further details on how Chip-and-Signature has worked both successfully and unsuccessfully depending on the merchant transaction environment and use your best judgment whether which one is right for you.

Are there any places in the US that are accepting transactions via the EMV chip?
tmiw has created a dedicated Google maps webpage to show where EMV has been proven to work here: http://emvacceptedhere.com/ Per his Post #4240, feel free to add any places with active EMV terminals if you come across one.

As of 2014/05, the EMV terminals in most Walmarts and Sam's Clubs are being turned on. Hence, the best place to try them out would be your local Walmart or Sam's Club. For other merchants, it's slowly being phased in.

I hope people will post them in the Post your receipt of your 1st EMV based transaction in the US thread. cvarming has shown us an EMV transaction receipt from Brooklyn, NY in Post #2380. I myself had my first EMV based (Chip-and-Signature) transaction in two stores in the Los Angeles area, as shown in detail in Post #2705 (courtesy of WhatWhatTech for pointing these two stores out)

I don't want a chip in my card. I heard horror stories all over the media saying hackers can steal my credit card info from a mile away.
There are two types of chips. One is contactless and the other is contact. Cards can be either one or the other, or both.

In the Google Docs spreadsheet, the cards that are capable of contactless payments are listed seperately under the "RFID or NFC contactless chip" column. If it says yes, then that means it has the ability to do contactless payments. If it says no, it doesn't have that feature.

The one that the media has overhyped about hackers "stealing your information wirelessly" was the contactless type like this:

You are worried about this happening, right?

You don't have to worry. EMV is a chip standard that can have both contact and contactless interfaces. With the traditional contact interface, this means you actually have to physically insert the chip into a POS terminal for it to be authorized, like this:

With the contact interface, nothing is wireless. No data is sent out in a stand-alone contact type EMV chip. With the EMV contactless interface, data is sent wirelessly.

Furthermore, contactless chip cards are required to show a symbol (looks like Wi-Fi symbol) somewhere on the card that to denote it's capability as a contactless card. For example, here's an example of a Discover Card with contactless capability (in which Discover calls "Discover ZIP") showing the contactless symbol on the back of the card:

Don't believe everything that the media says. Besides, millions of people all over the world from London to Singapore, uses contactless payments daily in extremely crowded subways and mass transit with nary any problems. There are multiple layers of encrypted securities and keys that are needed to break the code.

Frankly, giving your physical card to a waiter/waitress who takes the card out of your view is much more susceptible to fraud than contactless payments.

Why should I care?
If you are an international traveler, you will want this because majority of the world has or in the process of converting to this payment format.


In fact, in 2012, even North Korea moved to the EMV format, leaving the US as one of the countries in the world that hasn't done so.

In addition, VISA, MC, AMEX, and Discover have all agreed to incentivize the USA shifting to EMV payments by 2015 by shifting liability for fraudulent transactions to merchants if they do not have EMV equipment and the cardholder has an EMV card. So if you travel internationally or would like to get one before the others, you might be interested in getting one.


BS! I had no problems using my card in [insert whereever country], [insert whatever point in time]
If you stick to the tourist path where they have lots of visitors from the US, you should have no problems using your mag-stripe only card in hotels and restaurants, at least for now. But as things can change as things go forward.

However, consider that once you start taking the off-beaten path, go to non-touristy places where they are not familiar with mag-stripes, rent a car and use toll roads, fill up gas, or try to buy train tickets you might end up into a trouble of the machine not recognizing your card because it lacks the chip. Furthermore, a lot of toll roads, gas pumps, and automated ticket machines lack any human assistance to help you when you need it the most.

But [insert credit card company] told me all merchants that display their logo must accept them! All I have to do is report them for violating their agreements, right?
There are several factors against this.

1. You can only speak English. The merchant representative, most likely a part-time clerk earning minimum wage, speaks in a different language, let's say French. If you have no French language skills, how are you going to get your point across? Are you going to whip out your cell phone at exorbitant int'l roaming charges and hope the customer service is going to translate it for you on the spot? Or maybe you might actually know French. But how about Swahili, Farsi, Balinese, or the multiple languages in mainland China?

2. Just like US, the rest of the world's businesses uses part-time minimum wage workers as cashiers to cut down on labor costs. Most of their SOP training manuals are written by MBA types to not to do anything they are not familiar with. Do not expect them to understand the intricate details of credit card mumbo jumbo. You don't expect Taco Bell employees to understand the minute details of Discover-JCB-Union Pay agreements, right? Same thing the other way around: be respectful as a guest in their country, prepare in advance in their ways, avoid being an "ugly American" stereotype.

3. You are a guest in their country. You are a minority. If 99.9% of their country's people and other tourists from around the world uses EMV, do you really think they are going to accomodate the 0.1% of American tourists who only have mag-stripes credit cards?

4. Again, you are a guest in their country. How would you, as an American standing in line, react if a Chinese tourist was clogging up the lines at a local Taco Bell because the clerk doesn't understand the Discover-Union Pay agreement and has trouble communicating between Mandarin spoken by the tourist and English spoken by the Taco Bell clerk? Same way the other way around. You do not want to clog up the lines for everyone. The less hassle, the better.

5. VISA and MC make tons of money from merchants in that country. Say SNCF French Rail. It's a billion dollar company in France. Do you think VISA is going to pull the plug of their relationship with SNCF because SNCF refuses to do mag-stripe processing at their unmanned train station kiosk? Of course not. Be realistic.

6. And lastly, if you're up against an unstaffed toll kiosk, gas pump or train ticket machine, are you going to yell curses at the machine?

But I want my credit card to be able to be used in the US too!
No worries. They have not gotten rid of the mag-stripe on the back of the card for backward compatibility reasons, just like we still have embossed numbers on our cards for backwards compatibility to using those old carbon copy imprinters.

[insert own Hyatt card image front and back together with red arrows pointing to all the backward compatibility features]

You use the chip on the front of the card abroad (for now), and the mag-stripe just like any other card for the US. Basically, you're increasing your credit card's acceptance rate by getting a card that both via the chip and the mag-stripe. You're getting a better deal for free.

And when 2015 comes along and US switches to EMV, you'll be way ahead of everyone else too!


So why did the rest of the world and the US moved/moving toward EMV?
Primarily, due to fraud concerns. You see, the mag-stripe has been with us since the 1950s. It may have been the most high tech thing back in the day, but with the technology that is available today, any shmo can pick up a $100 USB magnetic card skimming device off of eBay and get your credit card info.

And unlike skimming off contactless cards which actually need the person to have l33t programming skills, skimming off a magnetic stripe has become so ubiquitous that nary a day goes about skimming fraud going on somewhere in America, from gas pumps, Michael's stores (2011), Target breaches (2013), restaurant waiters/waitresses, to even McDonald's drive thrus.

https://www.google.com/search?q=skimming+fraud

These type of fraud used to be prevalent in Europe. But once they started switching over to EMV starting over 2 decades ago, this type of fraud went elsewhere. It went over to Asia, Canada and Mexico, Latin America, etc. etc. until they too began implementing EMV to combat skimming fraud. The US is practically the only country left that hasn't done so, therefore all the fraud that used to take place elsewhere is now happening here.


But EMV is old and it's not fool proof. Shouldn't we just skip over it and do something new instead?
Yes, EMV is old. It was developed in the 1990s and its smart card payment predecessor was first introduced in France. But as of today, it has become the defacto global standard of payments.

But then, what else is there? There is no other de facto global standard of payments alternative. For example, if we decide to skip over it and do something new, hypothetically like DNA matching technology, it still means US int'l travelers will continue to have problems abroad with useless plastic acceptance because no other country is using this DNA matching technology except the US.

Besides, nothing is fool proof. You can say that the bank vault isn't fool proof because you can crack it open if enough C4 is used. But your average low-life scumbag isn't likely to get military grade C4 easily either. But the bank vault does make it harder to get the bank's money over say a petty cash box. That's the point here. EMV is akin to a security tight bank vault, the old mag-stripe is akin to a petty cash box lying around inside the drawer.


I'm a business owner and I don't think EMV is going to take off. I'm not going to spend extra hundreds of dollars to upgrade my credit card machine. Convince me other wise why I should.
I can understand the added extra cost to your business once this switchover takes place. But before even saying that, look at your existing POS terminal. Does it have a slot somewhere to insert a card?

Most likely, if you had replaced your POS terminal within the past five years, you already have an EMV capable terminal. EMV is basically just not turned on yet from the processor and acquirer side.

If you have an EMV capable terminal, then a best bet would be to contact your acquirer to have the EMV feature turned on. You did your end of the deal already by having an EMV capable terminal, it is now the acquirers' responsibility to turn it on in accordance to the EMV switchover mandate.

And if you don't, you are going to replace your POS terminal anyway from common wear and tear. It isn't a hard switch-over. You can continue to use your POS terminal until it dies out because EMV cardholders will still have the mag-stripe on the back. And by the time your non-EMV capable POS terminal is up for replacement the market will be full with these newer POS terminals that can accept the mag-stripe, EMV, as well as contactless payments.

In addition, you may also want to check with your acquirer or processor about EMV capable terminals. Some of them are willing to replace your terminal for free in preparation for the US EMV switchover. Call and ask for details.


But what's in it for me? I'm the one that has to pay for the upgrade.
All the major card networks have given incentives for merchants for the upcoming EMV switchover.

If 75% or more of your credit card transactions are done on an EMV contact and contactless terminal, they are going to waive your annual PCI-DSS fees, which usually costs you around $5.00-$19.95/month per terminal. The overall long term cost savings of those compliance fees will be larger than the cost of an one time upgrade for the terminal.

The downside is that once EMV switchover happens and if you do not have a POS terminal that is able to accept EMV, the fraud liability shifts over to the merchant.

I own several fast food franchises. If I upgrade my POS terminals at all of my restaurants, it's going to cost me thousands, if not millions. I don't think anyone is going to use a fake credit card to buy $5 burgers. And if they do, wouldn't it be cheaper for me to eat the fraud cost?
Remember also that fraud isn't just committed by dishonest customers using fraudulent cards. Fraud can also happen with dishonest employees skimming off credit card data from the mag-stripe as in the case of a teenage McDonald's drive thru employee skimming off $13,000 of customers' credit cards in Olympia, WA. Consider the public relations fall out that your business may have if this happens (i.e. the big Target breach of 2013, where someone used a mag stripe card to load malware INTO Target's system). Is it worth risking to take such a huge PR disaster?
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USA EMV cards: Availability, Q&A (Chip & PIN -or- Chip & Signature) [2012-2015]

Old Jun 11, 2015, 12:52 pm
  #11746  
 
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Originally Posted by tmiw
Current list of PIN preferring cards

Actually, maybe someone who has the Harvard card can give it a shot?

I'll try to get over there this weekend and give it a try.

This brings up an interesting (to me, anyway) question in my mind. Is EMV POS equipment "required" to respect the CVM list ordering on the card? Obviously a POS can't force a card to use a CVM that it doesn't physically support, but if my card says PIN is CVM #1, signature #2, and the POS is capable of handling PINs, is it permitted to skip PINs and ask for a signature? Likewise, if sig is before PIN, can the retailer choose to require PINs on cards that support them?

It appears that in fact the CVM ordering is only a "suggestion" to the retailer and in the end they can choose whichever CVM they want as long as it is somewhere on the list. HD ignoring PINs is one piece of evidence in this direction, as is Walmart choosing to use NO CVM on low-dollar purchases even if signature is higher on the CVM list than NO CVM (but if PIN is higher than sig, then they appear to always ask for PIN, even for small charges.)

In the same vein, when Australia switched to PINs last summer, from the articles I read it sounded like they just reprogrammed all the terminals on the changeover day, and didn't necessary hand out new cards to everyone. Actually it sounds like the terminals were programmed to always require PIN but ONLY for Australian cards, as the published materials indicate that cards from other countries might still require signatures. But I could be totally wrong about all of that, as I have (sadly) not yet visited Australia.
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Old Jun 11, 2015, 1:03 pm
  #11747  
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There have been mysterious, anecdotal reports of staffed terminals outside the USA requesting a PIN from American cards, which the clerk "over-rides" to force the sale through. As far as HD goes, I could see their programmers having omitted PIN altogether as an option fearing it'd slow things down, so everyone is automatically funneled into online signature (credit network ONLY for debit cards) as the sole EMV option; a card that didn't have that anywhere in the CVM list would fail.
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Old Jun 11, 2015, 2:06 pm
  #11748  
 
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Originally Posted by bullfrog
In the same vein, when Australia switched to PINs last summer, from the articles I read it sounded like they just reprogrammed all the terminals on the changeover day, and didn't necessary hand out new cards to everyone. Actually it sounds like the terminals were programmed to always require PIN but ONLY for Australian cards, as the published materials indicate that cards from other countries might still require signatures. But I could be totally wrong about all of that, as I have (sadly) not yet visited Australia.
Terminals will still print signature slips from chip-and-signature cards. While I have not visited since the changeover last August, the banks were making a big deal about it when we were there in June last year. From recent reports, you practically have to bring your own pen everywhere you go there now.
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Old Jun 11, 2015, 2:52 pm
  #11749  
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Originally Posted by bullfrog
This brings up an interesting (to me, anyway) question in my mind. Is EMV POS equipment "required" to respect the CVM list ordering on the card? Obviously a POS can't force a card to use a CVM that it doesn't physically support, but if my card says PIN is CVM #1, signature #2, and the POS is capable of handling PINs, is it permitted to skip PINs and ask for a signature? Likewise, if sig is before PIN, can the retailer choose to require PINs on cards that support them?
Visa/MC requires EMVco approval in order to approve terminals, so the ones for the US market will likely all follow the CVM list correctly (as in, the first one that both the card and terminal supports gets chosen). A significant number will likely not support PIN at all though, either because the keys required for it aren't there, the hardware makes it impossible or it's simply switched off at the firmware level.

Originally Posted by bullfrog
In the same vein, when Australia switched to PINs last summer, from the articles I read it sounded like they just reprogrammed all the terminals on the changeover day, and didn't necessary hand out new cards to everyone. Actually it sounds like the terminals were programmed to always require PIN but ONLY for Australian cards, as the published materials indicate that cards from other countries might still require signatures. But I could be totally wrong about all of that, as I have (sadly) not yet visited Australia.
When I was there last year, most terminals followed the CVM list but some had a "PIN or signature" option which seems like it just gets rid of PIN as a supported CVM on the terminal side. The August deadline was probably for getting rid of that option on the remaining terminals and starting to autodecline transactions without an online PIN for Australian cards.
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Old Jun 11, 2015, 3:27 pm
  #11750  
 
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Originally Posted by Points Scrounger
There have been mysterious, anecdotal reports of staffed terminals outside the USA requesting a PIN from American cards, which the clerk "over-rides" to force the sale through. As far as HD goes, I could see their programmers having omitted PIN altogether as an option fearing it'd slow things down, so everyone is automatically funneled into online signature (credit network ONLY for debit cards) as the sole EMV option; a card that didn't have that anywhere in the CVM list would fail.
I had that happen in London with a NFCU Chip and Signature MasterCard at the Pizzeria restaurant inside Harrods in London. The waiter actually took my card from the table and came back with the terminal for me to enter PIN, so I don't know if the waiter did anything that caused the terminal to bypass signature and prompt for a PIN. At a checkout counter in one of the Harrods food halls I was given a receipt to sign, as expected.
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Old Jun 11, 2015, 3:35 pm
  #11751  
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All I can think of would be that the rare U K "disabled" cards have only signature, no PIN at all in their CVM. The waiter's POS was programmed to ask for a PIN if that option appeared anywhere on the card's list, detecting your (underlying) one.
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Old Jun 11, 2015, 4:20 pm
  #11752  
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Originally Posted by Points Scrounger
All I can think of would be that the rare U K "disabled" cards have only signature, no PIN at all in their CVM. The waiter's POS was programmed to ask for a PIN if that option appeared anywhere on the card's list, detecting your (underlying) one.
Maybe there was a communications failure and only offline transactions worked? We don't know what an online-only signature card would have done though.
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Old Jun 11, 2015, 4:24 pm
  #11753  
 
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I am so excited, next week I get to do two terminal installs, Vx520 with Vx820 pin pads. You bet I'm going to train the hell out of them about EMV and NFC! And because I'm mounting the PIN pads, I'll be definitely sure it will ONLY face the customer.

Also, any other tips I should throw into my training? I'll be training employees to press Sale first, not slide the card first. I'll also be pushing towards a hands off the card approach, rather wanting customers to use the Vx820 to run the transaction themselves...cashier only should intervene if the customer does not know how to use the chip.

The merchant provider has told me that these terminals he will be shipping to me are going to be both EMV and NFC enabled.

Last edited by RedLight2015; Jun 11, 2015 at 4:30 pm
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Old Jun 11, 2015, 4:26 pm
  #11754  
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I've been roaming around (a part of) western Norway for almost a week now, using my all-types-EMV Barclay AA Aviator card for everything except hotels, and up to now it's always been processed as signature (restaurants, ferries, museums, stores) where there's a human (including with a handheld terminal). I even ran into no-signature-no-PIN transcations at parking meters. (I even saw a swipe-only parking meter in a garage in Alesund, but I didn't end up using it, because there was street parking nearer at the same price by the time Monday morning rolled along and street parking was no longer free).

Finally tonight, around 9:30 pm on a lonely road a bit north of Geiranger I pass one of the Bunker gas stations that advertises "24 hour automatic kiosk" on their signs. I had only driven 100kms since my last fill-up, so I didn't really need gas, but I decided to try it for the EMV fun. And, yes, it was PIN-requiring, and it worked with the PIN which I'd set on the Barclay web site (and which I'd "armed" at a Wal-Mart a few days before leaving for Norway).

I'm not sure if it was online or offline, but it took a handful of seconds to authorize. It printed out these fields on the receipt:
Anskaffe NET5
STAN xxxxxx
Kort ID: xxxxxx
Autorisasjonkode xxxxxx
Aooroved
SessionKode 157
BAX xxxxxxxx-xxxxxx
AID A000000000xxxxx
AC [16 hex characters]

Stasjonsnummer 0017
Kvittering nr. [a very long number that goes on for two lines on the receipt]
Can anyone figure out from those fields whether it used online or offline PIN?
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Old Jun 11, 2015, 4:45 pm
  #11755  
 
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Originally Posted by Points Scrounger
There have been mysterious, anecdotal reports of staffed terminals outside the USA requesting a PIN from American cards, which the clerk "over-rides" to force the sale through.
I had kind of a related experience with the London Underground Oyster kiosk. Inserted my USAA EMV card which has online PIN as one of the choices, was prompted for my PIN and the transaction went through.

However, I think the transaction was treated as no CVM as I immediately got a txt from USAA asking if I had really made the purchase. This after doing all sorts of signature transactions in the UK, so they clearly knew I was in the country.
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Old Jun 11, 2015, 10:00 pm
  #11756  
 
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So I got my new Square EMV reader. The messages in the app has been updated to mirror that of a large store.

It flashes "Processing Do Not Remove Card" just like a big retailer. And when approved you'll see the AID name ("Visa" "MasterCard" etc) of the card flash really quick before saying "Approved Remove Card" then signature screen comes up.

Reader Ready stays black up on the status bar of the iPhone.
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Old Jun 11, 2015, 10:04 pm
  #11757  
 
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Red face I just saw an impression machine!

Sorry this is a little OT, but I have to share.

I'm staying at the Hampton Inn at SNA tonight, and I saw something I probably haven't seen in 20 years... an impression machine! They actually take imprints of everyone's card at check-in (except for Gold and Diamonds.) But... they ALSO swipe (and the swipe is what's used to process the transaction.)

I asked the woman checking me in about this. She said they'd had cases of people using cards issued to them, in their name, and rewriting the mag stripe with stolen info. Seems really stupid to me, but she said that having the impression helped the police track down the crooks after the fact.

There are obviously numerous, better ways to handle this, but I was amused to see the old impression machine (it was one of the old, blue automatic amex machines that were commonplace back in the 80s.)
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Old Jun 11, 2015, 10:17 pm
  #11758  
 
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Originally Posted by bullfrog
Sorry this is a little OT, but I have to share.

I'm staying at the Hampton Inn at SNA tonight, and I saw something I probably haven't seen in 20 years... an impression machine! They actually take imprints of everyone's card at check-in (except for Gold and Diamonds.) But... they ALSO swipe (and the swipe is what's used to process the transaction.)

I asked the woman checking me in about this. She said they'd had cases of people using cards issued to them, in their name, and rewriting the mag stripe with stolen info. Seems really stupid to me, but she said that having the impression helped the police track down the crooks after the fact.

There are obviously numerous, better ways to handle this, but I was amused to see the old impression machine (it was one of the old, blue automatic amex machines that were commonplace back in the 80s.)
Automatic imprinter? I'm too young I guess, but I do fly a lot so I do still like talking here :-p.

Anyways, the only imprinters I've seen were the manual click clack slide ones? Was there a machine that actually imprinted this for you?
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Old Jun 11, 2015, 10:58 pm
  #11759  
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Originally Posted by bullfrog
I asked the woman checking me in about this. She said they'd had cases of people using cards issued to them, in their name, and rewriting the mag stripe with stolen info.
a/k/a magstripe cloning. Reminds me of the Jack in the Box ad where the guy brags about making his own sandwich combining a bunch of ingredients from scratch, cutting to Jack holding up a JB product saying, "Ummm ... my way is easier." (EMV as a solution)
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Old Jun 11, 2015, 11:03 pm
  #11760  
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Originally Posted by Points Scrounger
a/k/a magstripe cloning. Reminds me of the Jack in the Box ad where the guy brags about making his own sandwich combining a bunch of ingredients from scratch, cutting to Jack holding up a JB product saying, "Ummm ... my way is easier." (EMV as a solution)
Would the computer asking for the last four and comparing whatever the clerk enters with the magstripe data have helped too? Though I guess it's still possible to find stolen data with the same last four digits.
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