Card refused because it had a smart chip...why?
Jul 17, 2013 | 12:55 am
#61
Join Date: Aug 2008
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Jul 17, 2013 | 1:02 am
#62
Join Date: Jul 2012
Location: Canada
Programs: BA Gold (OWE), Star Alliance Gold, Hilton Diamond
Posts: 2,196
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 Centurian card".
Jul 17, 2013 | 1:28 am
#63
Join Date: Nov 2012
Posts: 3,537
Question answered, it seems. US cards are never ever dual interface (there are no contactless EMV cards on the US market), thus why most don't have C4/C8. Interesting insight.
Jul 17, 2013 | 10:58 am
#64
Join Date: Jul 2006
Location: LAX
Programs: AA EXP 1.5MM, Asiana Club Silver, KE Morning Calm, Hyatt Platinum, Amtrak Select
Posts: 7,161
Actually, there are several cards that are dual interface which comes with both contactless and contact EMV within a single card:
US Bank FlexPerks Travel Rewards card
https://www.usbank.com/credit-cards/...ks-travel.html
http://pressreleases.visa.com/phoeni...ePR&ID=1572827
and
several BofA cards
go to BofA's "view all credit cards" page, select "view more filters" and filter cards that have both "Tap & Pay" and "Chip Cards"
https://www.bankofamerica.com/credit...redit-cards.go
narrows down to about 8 BofA credit cards that have both contactless features AND contact EMV.
It's also a filterable selection in the EMV Google Docs spreadsheet (Column I says "RFID or NFC contactless chip") to show which EMV cards also have the contactless feature.
US Bank FlexPerks Travel Rewards card
https://www.usbank.com/credit-cards/...ks-travel.html
http://pressreleases.visa.com/phoeni...ePR&ID=1572827
and
several BofA cards
go to BofA's "view all credit cards" page, select "view more filters" and filter cards that have both "Tap & Pay" and "Chip Cards"
https://www.bankofamerica.com/credit...redit-cards.go
narrows down to about 8 BofA credit cards that have both contactless features AND contact EMV.
It's also a filterable selection in the EMV Google Docs spreadsheet (Column I says "RFID or NFC contactless chip") to show which EMV cards also have the contactless feature.
Jul 17, 2013 | 12:09 pm
#65
Join Date: Nov 2012
Posts: 3,537
Actually, there are several cards that are dual interface which comes with both contactless and contact EMV within a single card:
US Bank FlexPerks Travel Rewards card
https://www.usbank.com/credit-cards/...ks-travel.html
http://pressreleases.visa.com/phoeni...ePR&ID=1572827
and
several BofA cards
go to BofA's "view all credit cards" page, select "view more filters" and filter cards that have both "Tap & Pay" and "Chip Cards"
https://www.bankofamerica.com/credit...redit-cards.go
narrows down to about 8 BofA credit cards that have both contactless features AND contact EMV.
It's also a filterable selection in the EMV Google Docs spreadsheet (Column I says "RFID or NFC contactless chip") to show which EMV cards also have the contactless feature.
US Bank FlexPerks Travel Rewards card
https://www.usbank.com/credit-cards/...ks-travel.html
http://pressreleases.visa.com/phoeni...ePR&ID=1572827
and
several BofA cards
go to BofA's "view all credit cards" page, select "view more filters" and filter cards that have both "Tap & Pay" and "Chip Cards"
https://www.bankofamerica.com/credit...redit-cards.go
narrows down to about 8 BofA credit cards that have both contactless features AND contact EMV.
It's also a filterable selection in the EMV Google Docs spreadsheet (Column I says "RFID or NFC contactless chip") to show which EMV cards also have the contactless feature.
As for Bank of America, I'm PRETTY sure it's an either/or (you can get contact EMV or contactless MSD).
Jul 17, 2013 | 2:17 pm
#66
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Join Date: Oct 2011
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I'm in the US a lot and I've seen many many machines in the US with the chip reader slot, just many of them are not enabled. I've used my UK Chip and Pin Amex via the chip in Century 21st in New York City.
I had a similar experience at a restaurant in the US as well though, Merchant said my card was declined, when I didn't get a text message (Amex always text me if its declined) I asked what the message was and he said it kept saying "Use Chip", I had to show him how to process an EMV transaction.
Reminds me a little of a problem in Australian restaurants. In Australia restaurants will normally have EMV machines but to save money they don't get handheld machines. This means they take your card and then press PIN-bypass and it asks for a signature instead. Unfortunately UK issuers and Canadian issuers don't allow the PIN to be bypassed, so it just says declined. I found this out after I apparently had 4 cards declined lol and asked what they hell they were doing. Now though, Restaurants will generally ask, "Does your card need a PIN?" and you then have to walk up to the counter and enter it. I get this all the time in Asia as well, Thailand mainly.
I had a similar experience at a restaurant in the US as well though, Merchant said my card was declined, when I didn't get a text message (Amex always text me if its declined) I asked what the message was and he said it kept saying "Use Chip", I had to show him how to process an EMV transaction.
Reminds me a little of a problem in Australian restaurants. In Australia restaurants will normally have EMV machines but to save money they don't get handheld machines. This means they take your card and then press PIN-bypass and it asks for a signature instead. Unfortunately UK issuers and Canadian issuers don't allow the PIN to be bypassed, so it just says declined. I found this out after I apparently had 4 cards declined lol and asked what they hell they were doing. Now though, Restaurants will generally ask, "Does your card need a PIN?" and you then have to walk up to the counter and enter it. I get this all the time in Asia as well, Thailand mainly.
In Canada if you need to bypass the PIN, you can put the wrong end of the card inside/upside down.
After 2 or 3 times, the machine should say
CHIP FAILURE
USE MAG STRIPE
Swipe card
Approved.
(machine in question is VX 810)
There are some Canadian AMEX cards that don't have working chips either.
In HK my HSBC card has a chip but I sign for all purchases.
Jul 17, 2013 | 2:19 pm
#67
FlyerTalk Evangelist
Join Date: Oct 2011
Location: Anywhere I need to be.
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Posts: 16,046
Jul 17, 2013 | 2:25 pm
#68
Join Date: Jul 2012
Location: Canada
Programs: BA Gold (OWE), Star Alliance Gold, Hilton Diamond
Posts: 2,196
Not true.
In Canada if you need to bypass the PIN, you can put the wrong end of the card inside/upside down.
After 2 or 3 times, the machine should say
CHIP FAILURE
USE MAG STRIPE
Swipe card
Approved.
(machine in question is VX 810)
There are some Canadian AMEX cards that don't have working chips either.
In HK my HSBC card has a chip but I sign for all purchases.
In Canada if you need to bypass the PIN, you can put the wrong end of the card inside/upside down.
After 2 or 3 times, the machine should say
CHIP FAILURE
USE MAG STRIPE
Swipe card
Approved.
(machine in question is VX 810)
There are some Canadian AMEX cards that don't have working chips either.
In HK my HSBC card has a chip but I sign for all purchases.
Jul 17, 2013 | 3:40 pm
#70
Join Date: Jul 2006
Location: LAX
Programs: AA EXP 1.5MM, Asiana Club Silver, KE Morning Calm, Hyatt Platinum, Amtrak Select
Posts: 7,161
https://www.usbank.com/splash/credit...wards-emv.html
Jul 17, 2013 | 5:45 pm
#71
Join Date: Nov 2012
Posts: 3,537
The US Bank FlexPerks product page shows both the EMV chip and the contactless logo on the back for VISA payWave specifically stating it can be used both ways:
https://www.usbank.com/splash/credit...wards-emv.html
https://www.usbank.com/splash/credit...wards-emv.html
As for BofA I'm still pretty sure it's a choice between contact EMV *or* contactless MSD.
Jul 17, 2013 | 7:39 pm
#72
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,680
Not true.
In Canada if you need to bypass the PIN, you can put the wrong end of the card inside/upside down.
After 2 or 3 times, the machine should say
CHIP FAILURE
USE MAG STRIPE
Swipe card
Approved.
(machine in question is VX 810)
There are some Canadian AMEX cards that don't have working chips either.
In HK my HSBC card has a chip but I sign for all purchases.
In Canada if you need to bypass the PIN, you can put the wrong end of the card inside/upside down.
After 2 or 3 times, the machine should say
CHIP FAILURE
USE MAG STRIPE
Swipe card
Approved.
(machine in question is VX 810)
There are some Canadian AMEX cards that don't have working chips either.
In HK my HSBC card has a chip but I sign for all purchases.
Jul 17, 2013 | 8:47 pm
#73
Join Date: Jul 2006
Location: LAX
Programs: AA EXP 1.5MM, Asiana Club Silver, KE Morning Calm, Hyatt Platinum, Amtrak Select
Posts: 7,161
For one selected with both Tap-and-Pay and Chip Cards filter, I chose BofA Cash Rewards and opened their application. Without filling anything in, towards the bottom of the application there is this checkmark section:
So it's not a true all-in-one feature card like US Bank, but it still gives you an EMV card with a magstripe on the back plus a contactless payment tag to do credit card processing in three ways (four if you want to include the old carbon copy imprinting of the raised numbers).
Jul 17, 2013 | 10:20 pm
#74
Join Date: May 2008
Location: BOS/SIN
Programs: SQ
Posts: 2,704
Had a funny experience today at a restaurant. I was paying my bill and the waitress asked me what the chip was. I just said something like 'oh, it just makes payments easier in Europe'. Her response: 'OMG, you're European! I've never met a real European before!'
Jul 17, 2013 | 10:27 pm
#75
Join Date: Nov 2012
Posts: 3,537
For BofA, you can get both but the contactless will be a mobile payment tag (those things that you stick to your cell phone or what not)
For one selected with both Tap-and-Pay and Chip Cards filter, I chose BofA Cash Rewards and opened their application. Without filling anything in, towards the bottom of the application there is this checkmark section:
So it's not a true all-in-one feature card like US Bank, but it still gives you an EMV card with a magstripe on the back plus a contactless payment tag to do credit card processing in three ways (four if you want to include the old carbon copy imprinting of the raised numbers).
For one selected with both Tap-and-Pay and Chip Cards filter, I chose BofA Cash Rewards and opened their application. Without filling anything in, towards the bottom of the application there is this checkmark section:
So it's not a true all-in-one feature card like US Bank, but it still gives you an EMV card with a magstripe on the back plus a contactless payment tag to do credit card processing in three ways (four if you want to include the old carbon copy imprinting of the raised numbers).
I didn't know dual-interface cards with contact EMV and contactless MSD were possible, but either US Bank has them or contactless terminals in the US are more EMV capable than I realised.