I don't think any of these people have any clue how to process an EMV transaction. The reader must have been working overwise it wouldn't have asked for him to insert it. Even if its not set up fully with the AIDS he would insert it and it would then tell him and let him swipe it.

I think for the most part majority of the part time cashiers in the US have not had any training whatsoever yet on what to do when an EMV transaction is to be done.

We're just starting to do the EMV switchover now.

Somehow I doubt Taco Bell part-time employees, let alone their store managers, let alone regional managers have the slightest clue about EMV, and the only person that knows about EMV is coming is the financial tech person at Taco Bell HQ in an office in Irvine, CA who has yet to coordinate with HR to update the SOP employee handbook manual.

I wouldn't be surprised if this was the case:

Taco Bell cashier: "Haven't heard about it"
Taco Bell store manager: "Haven't heard about it"
Taco Bell regional manager: "Haven't heard about it"
Taco Bell regional director: "Haven't heard about it"
Taco Bell HQ HR: "Haven't heard about it"
Greg Creed (Taco Bell President & CEO): "Haven't heard about it"
Glenn Bell (Taco Bell founder): "Haven't heard about it"
Taco Bell financial tech guy: "Oh yeah, the EMV project has been sitting in my inbox for the past couple of months"

Taco Bell here doesn't have EMV terminals, just old school PAR swipe registers so that must vary by location if you've actually seen them at Taco Bell. And they sure know about EMV (well, the three people who are friends of mine at least ).

What I find ironic is Wendy's here DOES have EMV terminals, which is just bizarre to me given they're whining about the liability shift due to how much EMV terminals cost. They already have them!

And yes, the problem being seen here is lack of a clue. Walmart needs to hurry up and get EMV enabled at all their stores! Once Walmart moves, like it or not, the industry as a whole moves.

I'm not sure why they don't follow the prompts though, terminals are set up in a way to give the merchant the least liability properly. You'd think the managers atleast would just say, "Do what the machine tells you".

I was in a Wendy's with a colleague and we had to show the cashier how to process it but he was quite happy to go along with what the machine asked him to do and we both completed our chip and pin transaction sucessfully.

Do Wendy's now run as EMV?

Its a franchise so I gather some will and some won't.

I had a craving for Wendy's today. I haven't had it in so long and don't plan on changing that though. The bitter taste of hate just ruins the food.

I'm just confused about their square burgers.

But back on topic, I've actually had something similar happen to me- in Japan of all places. I was shopping at a Daiso and tried to use my chipped UnionPay debit card. The lady tried to stick it in the slot on the PIN pad, but it kept bouncing it back out. Swiping it worked, but it took a while for her to think of trying that.

Oddly enough, the same seems to be the case with ATMs. No Application ID shows up on my ATM withdrawal receipts- not from Mizuho, not from Aeon, not from Citi, not a one.

Haha I must admit, first time in ages I've been to Wendy's or any fast food chain for that matter.

McDonalds in the UK is a bit of an exception as I sometimes get a McFlurry after work but thats only because American Express normally has a �1 contactless offer and the McFlurry is also �1 so its free :P

American Fast food does seem to be more edible though :P Fish and Chips is the only decent sort of fast food in the UK.

Most ATMs I encounter internationally (Outside of Europe) don't show AID on receipt, I'm not sure they've even bothered to roll out EMV ATMs lol

Even a lot of ATMs here in Europe still aren't EMV enabled. Hotel ATMs are often still insert and pull out even in the UK. I don't mind though, lets me check my card hasn't demagnetised. Thats one of my biggest fears upon arriving in the US lol, suddenly find all of my cards are duds. Although I don't think I've ever had a magstripe go bad ever.

The Wendy's down here in SoCal doesn't have them (at least the ones I go to), whereas all the Carl's Jr. that I've been to have the newer EMV capable terminals (none of which are activated)

I guess part of the fear of "oh noes it's going to cost more for upgrades waaah" whining done by retailers and merchants is that they haven't paid any real attention to what equipment they have right now. Most likely, if they did a POS terminal replacement within the past few years, they already came with EMV slot pre-built in!


It's kinda like saying oh no, everything is going Blu-ray, now I have to buy a Blu-ray player, uhh...but when you replaced your "DVD player" a year ago, you essentially bought a Blu-ray player but you've been using it only to watch DVDs.

D'oh!

I'm not sure American and British fast food are any different? I mean you don't have Taco Bell but that's the only real difference I can think of. I do love Taco Bell cause it's so cheap, but that's not a huge difference overall.

�1 free for using contactless? Dang I wish there was stuff like that here. We don't even really have contactless in the US. A few credit cards have it but not very many anymore (a few years ago it was much more common). I have Google Wallet on my phone, but VERY few phones have that. McDonald's, Macy's, Sports Authority, most Home Depots, and a handful of other places in theory take contactless payments - MOST contactless terminals out there (Old Navy, Best Buy, Staples, Walgreens, etc) are, like most EMV terminals, disabled and set to swipe only.

Macy's is the really interesting one - if you use contactless here, you will crash the register! Of course, same thing with Walmart gift cards at Walmart in the self check lanes (maybe fixed, they've taken down the signs warning you not to use gift cards).

I have the AA Citi Executive MC card, but the "chip" isn't a real chip (compare it with an international card with a chip - it's smaller and has fewer slots). It can be used at the EMV readers, but asks for a signature. I've used mine in Europe a number of times. I did ask AmEX about a chip card for my Delta Reserve account and was told "we'll have it around the end of the year or so, upon request; it's already on the Centurion card".

So are you saying a SIM card without the optional contacts isn't a "real" SIM card? Contacts C4 and C8 are optional. Some credit cards/SIM cards/other smart cards have them; some don't. They're not even used. Their presence or absence makes a card no more or less real.

As for the signature, that's totally unrelated. That's what's called cardholder verification method. Signature sucks, but American banks are using it because they fear customers would forget PINs and thus not use their cards.

alexmt: I assume you are correct. It is just that my AA Citi card's chip is different from my other chip cards.