Originally Posted by klashn (Post 24276025)

I've encountered Chip & Sig for the second time now. The first time i encountered Chip & Sig, i was totally surprised by it and totally forgot the place and vendor. The second time I encountered it I was encouraged by Majuki to post my encounter to this thread.

The second time it happened was at my local brew supply store / taproom. I ordered a few beers from the taproom, which is a regular bar.
I handed my Chip & Sig card to the bartender and he motioned me to come over to his section of the bar where the POS (point of sale) machine was. He motioned me to interact with the POS terminal to enter the tip. So I entered my tip amount ('200' for $2.00) and hit the the enter button and the confirmed the total transaction of $15.50 with the green button on the terminal.
A receipt for the establishment printed, as well as one for me to sign. I signed the printout that came out from the top of the POS machine.

It was definitely a foreign procedure for me, but I'm sure in the next two years it will become more commonplace and more normal, but it definitely weirded me out that such a small business would be more ahead of the times than my normal grocery store (Safeway).

Originally Posted by AllieKat (Post 24276156)

What's interesting is that that is NOT a First Data slip, do you happen to remember anything about it?

Originally Posted by tmiw (Post 24276188)

It might be an Ingenico terminal. Swiped a card at one a while back and it looked kinda like that but without the EMV related info.

Originally Posted by AllieKat (Post 24276156)

What's interesting is that that is NOT a First Data slip, do you happen to remember anything about it?

Originally Posted by klashn (Post 24276306)

I didn't see any identifying marks on the terminal where my card was placed in to. I can certainly go back and verify what system they have.

Originally Posted by AllieKat (Post 24276321)

It'd be quite interesting, even moreso if you can catch the name of the acquirer on something...

Originally Posted by Majuki (Post 24136897)

Imagine my surprise when the cashier at my local Popeyes without prompting inserted my Chase Sapphire Preferred into the First Data FD130 terminal.

Originally Posted by Majuki (Post 24388834)

Well, we went back with my sister-in-law because I wanted to test a chip-and-PIN card and to see if they had DCC enabled. While I was hovering over the counter watching the terminal the cashier tried swiping the card. (It failed.) He then inserted the chip and the transaction processed. The strange part was that a signature receipt came out even though her card 100% is chip-and-PIN. I confirmed that she's always asked for a PIN in Australia, but I thought it's the card, not the terminal, that governs whether to ask for a PIN or signature when it's an EMV transaction? If some terminals are set to always require a signature then I don't see too many concerns in the US if the merchant can do PIN bypass or force signature priority.

Even though First Data is the acquirer, there was no DCC. The receipt was identical to my previous post except it had an additional line above Chip Card AID called Chip Card with the card's name (Orange Everyday). I have both receipts next to each other for comparison. The Chase Sapphire Preferred is on the left, and the ING Direct Orange Everyday is on the right:

http://i.imgur.com/QnDeyb5t.jpghttp://i.imgur.com/mrK2bGut.jpg

Originally Posted by tmiw (Post 24388844)

(Another possibility is that the Australian card is online PIN only and has no offline PIN support. The FD terminals may only support offline PIN and signature, hence the behavior.)

Originally Posted by Majuki (Post 24388869)

I don't know enough about this to say definitively. I thought it was offline chip-and-PIN, but I could be mistaken.

Originally Posted by tmiw (Post 24390039)

Their acquirer could also simply be unable to support PIN in their authorization/clearing messages. It does seem weird that FD wouldn't support online PIN in 2015 (while supporting offline PIN with no issues).

Originally Posted by AllieKat (Post 24390193)

Not too weird, even in the UK - which neighbours many chip and online PIN countries - it's far from unheard-of for online PIN cards to fall back to signature. Thus, I'm not surprised at all that would happen in the US.

My understanding is that supporting online PIN is more complex, in terms of encryption keys needed. Thus, no, I'm not surprised at all.

Originally Posted by tmiw (Post 24390269)

I also would not be surprised if the major terminal manufacturers all decided to be signature-only for the US market, despite the presence of a suitable PIN pad. Though I would have expected that the encryption stuff needed to be handled to handle debit anyway.

Originally Posted by AllieKat (Post 24390351)

I cannot imagine that, and I'm not even sure not supporting offline PIN if there is a PIN pad is allowed by the card networks. This is a simple technical limitation.