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-   -   Chip and Signature failures (https://www.flyertalk.com/forum/credit-card-programs/1593964-chip-signature-failures.html)

rgAAFT Jul 15, 2014 11:44 am


Originally Posted by maddie5218 (Post 23200042)
So if we go to Walmart and use the Arrival+ card after we have changed our pin, it'll be written on the chip and we should be fine? Even if Walmart doesn't ask for the pin during the transaction and rather uses the signature option since that's what it will default to?


Yes. Granted that the walmart or other store you are visiting has an operational EMV chip terminal. (for the US thus far it seems to be limited to SOME walmarts) you have to be able to use the chip for the transaction and not the Mag stripe, otherwise it won't work

Under most circumstances with live CSR you will only be asked for a signature or the transaction may just be approved without any CVM needed. Whatever the case may be it is at this time the pin information is updated on the chip (completely automatically and unnoticeable to the cardmember or store clerk)

intub8r Jul 15, 2014 12:18 pm

Chip and Signature failures
 
There was a chip card option at my local Subway (the sandwich shop) the other day. In case you despise going to Walmart as much as I do... :-)

rgAAFT Jul 15, 2014 12:57 pm


Originally Posted by intub8r (Post 23200320)
There was a chip card option at my local Subway (the sandwich shop) the other day. In case you despise going to Walmart as much as I do... :-)


But the question is, have you used the chip terminal and does it actually work? A lot of places including CVS , target and safeway have chip capable terminals which are not fully enabled and you still have to use the Mag stripe

reclusive46 Jul 15, 2014 7:57 pm


Originally Posted by rgAAFT (Post 23200558)
But the question is, have you used the chip terminal and does it actually work? A lot of places including CVS , target and safeway have chip capable terminals which are not fully enabled and you still have to use the Mag stripe

I must admit I noticed a subway terminal said Tap, Insert or Swipe card a couple of days ago but I paid via contactless, so didn't try the chip slot. They appear to be EMV Verifone terminals (Same ones used by lots of retailers in the UK like M&S and Waitrose) issued by First Data.

seawolf Jul 15, 2014 8:48 pm

Germany

Arrived at B&B hotel after 2300. Kiosk check-in only. Both BoA Visa and Citi AA MC rejected. Had to call around and found vacancy (and 24 hour staff) at Holiday Inn instead. B&B hotel kiosk accepted Chase BA Visa during previous stay.

tmiw Jul 15, 2014 10:38 pm

BTW, it's mentioned in the main EMV thread but there's a map of places in the US that have working EMV terminals (as in you'll need to use the slot if you have a chip card) at http://emvacceptedhere.com/ if you need one to activate your Arrival+ with.


Originally Posted by sdsearch (Post 23199015)
But most banks in the US that do offer Chip & PIN only offer "online" PIN!

I know BoA has online PIN at a lower priority than signature but they've never marketed that functionality as existing. (I think it's similar with other banks that claim "chip and signature".) The US banks and credit unions that claim they offer PIN do tend to be offline PIN, at least.

Happy Jul 15, 2014 10:51 pm


Originally Posted by seawolf (Post 23202840)
Germany

Arrived at B&B hotel after 2300. Kiosk check-in only. Both BoA Visa and Citi AA MC rejected. Had to call around and found vacancy (and 24 hour staff) at Holiday Inn instead. B&B hotel kiosk accepted Chase BA Visa during previous stay.

Slightly OT

I have bad news for all of you that use Chase Visa for foreign sites online purchases.

Chase has pulled out Verified by Visa program. I dont know when. Recently the CSP was rejected by SNCF site in the Verification process. It worked fine with Trenitalia earlier this year. It took me a total of 45 min and 4 transfers to finally get the transaction go thru.

I thought once a card was verified, the next time to use it it would be fine especially the card is recognized by SNCF as being registered with the account.

NO. It failed again 2 weeks later. This time I told the Chase front line rep to transfer me to Verified by Visa program liaison. Then I was told I had to call EACH time before a transaction if the merchant requires Verified by Visa - because Chase has pulled out the program. Chase on the other hand, could approve the card for 24 hours period. Unless you are doing multiple transactions within that 24 hours period, otherwise you would need to call again on your next transaction that the merchant uses Verified by Visa.

This would mean virtually ALL European countries national railway system websites would reject Chase cards as IIRC Trenitalia (worked earlier this year), Renfe, SNCF and may be DB, all use the Verified by Visa program on foreign cards. :td:

rgAAFT Jul 16, 2014 10:29 am


Originally Posted by Happy (Post 23203287)
Slightly OT

I have bad news for all of you that use Chase Visa for foreign sites online purchases.

Chase has pulled out Verified by Visa program. I dont know when. Recently the CSP was rejected by SNCF site in the Verification process. It worked fine with Trenitalia earlier this year. It took me a total of 45 min and 4 transfers to finally get the transaction go thru.

I thought once a card was verified, the next time to use it it would be fine especially the card is recognized by SNCF as being registered with the account.

NO. It failed again 2 weeks later. This time I told the Chase front line rep to transfer me to Verified by Visa program liaison. Then I was told I had to call EACH time before a transaction if the merchant requires Verified by Visa - because Chase has pulled out the program. Chase on the other hand, could approve the card for 24 hours period. Unless you are doing multiple transactions within that 24 hours period, otherwise you would need to call again on your next transaction that the merchant uses Verified by Visa.

This would mean virtually ALL European countries national railway system websites would reject Chase cards as IIRC Trenitalia (worked earlier this year), Renfe, SNCF and may be DB, all use the Verified by Visa program on foreign cards. :td:

Just saw your post on here as well as on the thread that I started.. in case you haven't done so already, I started a thread on this issue...

http://www.flyertalk.com/forum/chase...nsactions.html
Mods are free to merge if a thread on this issue already exists . But it should be linked everywhere so a lot of people see it (not just those who hang out in the Chase thread for example

othermike27 Jul 16, 2014 2:51 pm


Originally Posted by rgAAFT (Post 23205792)
Just saw your post on here as well as on the thread that I started.. in case you haven't done so already, I started a thread on this issue...

http://www.flyertalk.com/forum/credi...nsactions.html

Mods are free to merge if a thread on this issue already exists . But it should be linked everywhere so a lot of people see it (not just those who hang out in the Chase thread for example

If I'm reading this page http://usa.visa.com/personal/securit...ed-by-visa.jsp correctly, the card user may elect to sign up any VISA card for the Verified by Visa program to add that security layer to online transaction. (I have never done so.) So, how does this square with Chase "pulling out" of the program? The VbyV page makes it sound like the user can opt in card by card...?

rgAAFT Jul 16, 2014 3:06 pm


Originally Posted by othermike27 (Post 23207442)
If I'm reading this page http://usa.visa.com/personal/securit...ed-by-visa.jsp correctly, the card user may elect to sign up any VISA card for the Verified by Visa program to add that security layer to online transaction. (I have never done so.) So, how does this square with Chase "pulling out" of the program? The VbyV page makes it sound like the user can opt in card by card...?

Interesting find
However as I am sure a lot of people here can back me up on this, I have NEVER had to manually register my card to receive this "benefit" it just comes ready to use
Edit
Where do you see a link to sign up? I think that link simply goes to a marketing page for issuers and merchants. (in some cases consumers if the bank you use gives you a choice whether to opt in or not

geclub1 Jul 16, 2014 3:10 pm


Originally Posted by rgAAFT (Post 23207534)
Interesting find
However as I am sure a lot of people here can back me up on this, I have NEVER had to manually register my card to receive this "benefit" it just comes ready to use

Now think about it what will happen when your issuer, Chase in this case, refuses to participate in verifying your account. Now, bam, your "verified by visa" step will fail. But that merchant was only willing to accept your visa if "verified by visa" can complete successfully.

rgAAFT Jul 16, 2014 3:15 pm


Originally Posted by geclub1 (Post 23207567)
Now think about it what will happen when your issuer, Chase in this case, refuses to participate in verifying your account. Now, bam, your "verified by visa" step will fail. But that merchant was only willing to accept your visa if "verified by visa" can complete successfully.

And your point is?

tmiw Jul 16, 2014 3:32 pm


Originally Posted by rgAAFT (Post 23207534)
Interesting find
However as I am sure a lot of people here can back me up on this, I have NEVER had to manually register my card to receive this "benefit" it just comes ready to use
Edit
Where do you see a link to sign up? I think that link simply goes to a marketing page for issuers and merchants. (in some cases consumers if the bank you use gives you a choice whether to opt in or not

https://www.chase.com/index.jsp?pg_n.../page/card_faq has a link to https://www.securesuite.net/chase/re...er=chasecredit, which currently shows:


We have recently upgraded several services. You may obtain complete access to Chase and your Online Authentication Service by going to www.Chase.com.
(and I don't see any option when logging into my Chase account to sign up for VBV.)

tramm7 Jul 16, 2014 3:48 pm

Any experiences with AMEX chip cards? Are they at all useful in Europe. My latest AMEX platinum has a chip in it?

rgAAFT Jul 16, 2014 3:48 pm


Originally Posted by tmiw (Post 23207714)
https://www.chase.com/index.jsp?pg_n.../page/card_faq has a link to https://www.securesuite.net/chase/re...er=chasecredit, which currently shows:



(and I don't see any option when logging into my Chase account to sign up for VBV.)

Again, nice find but what does this all mean ? Are they switching to an opt in system?


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