USA contactless credit/debit/transit (2014-2016)
Sep 12, 2015, 9:44 pm
#2026
FlyerTalk Evangelist
Join Date: Aug 2001
Location: RSW
Programs: Delta - Silver; UA - Silver; HHonors - Diamond; IHG - Spire Ambassador; Marriott Bonvoy - Titanium
Posts: 14,185
I'm a bit confused ... is there a specific indication of supported V/MC CDCVM via Cardpeek? Also, as cards never had to get GW "permissions" before, cards from "participating" issuers will now need to go through that process to be used directly?
Sep 12, 2015, 11:44 pm
#2027
Join Date: Sep 2014
Posts: 1,723
I ran into issues trying it on my Nexus 7 because of a previous root that disappeared but never got fully cleaned up. Had to completely wipe it and restore from factory to get Android Pay working.
The good news is that for most of the officially supported issuers, it seems to behave like Apple Pay, both in what it transmits to cardpeek and the behavior on the user side (bank specific T&Cs, having to approve via text/phone call/email, etc.) Those will probably work overseas. Cards that aren't officially supported use the Bancorp virtual MC just like before, so there's no loss in functionality.
The bad news is that they're still using the Bancorp MC. It definitely doesn't have nearly the security verification that officially supported banks do, and likely has the same issues with international acceptance too. This will probably catch someone off guard very quickly if they try to use an unofficial card overseas and didn't read the entire Bancorp T&Cs. AmEx on Android Pay also seems to be forcing MSD/doesn't support CDCVM and has a possibly different AID (A000000025011001/"AmEx") than Apple Pay. Discover strangely uses the Bancorp MC too even though they're officially supported.
Things should improve over time though.
The good news is that for most of the officially supported issuers, it seems to behave like Apple Pay, both in what it transmits to cardpeek and the behavior on the user side (bank specific T&Cs, having to approve via text/phone call/email, etc.) Those will probably work overseas. Cards that aren't officially supported use the Bancorp virtual MC just like before, so there's no loss in functionality.
The bad news is that they're still using the Bancorp MC. It definitely doesn't have nearly the security verification that officially supported banks do, and likely has the same issues with international acceptance too. This will probably catch someone off guard very quickly if they try to use an unofficial card overseas and didn't read the entire Bancorp T&Cs. AmEx on Android Pay also seems to be forcing MSD/doesn't support CDCVM and has a possibly different AID (A000000025011001/"AmEx") than Apple Pay. Discover strangely uses the Bancorp MC too even though they're officially supported.
Things should improve over time though.
Sep 13, 2015, 1:25 am
#2028
Join Date: Jul 2012
Location: Canada
Programs: BA Gold (OWE), Star Alliance Gold, Hilton Diamond
Posts: 2,194
The bad news is that they're still using the Bancorp MC. It definitely doesn't have nearly the security verification that officially supported banks do, and likely has the same issues with international acceptance too. This will probably catch someone off guard very quickly if they try to use an unofficial card overseas and didn't read the entire Bancorp T&Cs. AmEx on Android Pay also seems to be forcing MSD/doesn't support CDCVM and has a possibly different AID (A000000025011001/"AmEx") than Apple Pay. Discover strangely uses the Bancorp MC too even though they're officially supported.
Things should improve over time though.
Sep 13, 2015, 6:00 am
#2029
Join Date: Jun 2013
Location: SJC/SFO
Posts: 373
Cards that aren't officially supported use the Bancorp virtual MC just like before, so there's no loss in functionality.
The bad news is that they're still using the Bancorp MC. It definitely doesn't have nearly the security verification that officially supported banks do, and likely has the same issues with international acceptance too.
The bad news is that they're still using the Bancorp MC. It definitely doesn't have nearly the security verification that officially supported banks do, and likely has the same issues with international acceptance too.
Sep 13, 2015, 2:13 pm
#2030
Join Date: Sep 2014
Posts: 1,723
So I went to this market with NFC since like 2012 with Equinox L5300's and they have always made me sign for Google Wallet, but with Android Pay no signature asked for at all, even pressed credit, was way faster now, totally awesome. ^^ I'm still using the bancorp virtual card still as no bank support yet. 
Sep 13, 2015, 2:56 pm
#2031
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
I had to wipe my phone, but it really needed to be wiped so it was good for the device. Here is the term that mentions not supporting non-USD transactions: "(h) The Android Pay Virtual Card and Google Wallet Online Cards may only be used for U.S. dollar transactions within the U.S. and do not support payments in foreign currencies." Good thing that banks that support it are both EMV Contactless enabled and support transactions out of the country. Google must be waiting for September 16th so that Discovery is onboard as well. As strange as the virtual card is MSD only it actually reads more easily than Google Wallet. which refused to register any data at all.
Sep 14, 2015, 6:12 pm
#2032
Join Date: Sep 2014
Posts: 1,723
https://www.reddit.com/r/apple/comme...get_apple_pay/ I thought I'd post this, although I'm not surprised as Safeway is well owned by Albertsons.
Sep 14, 2015, 6:48 pm
#2033
Suspended
Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
Good news about Safeway.
Had a weird experience at Trader Joes. I pull out the iPhone and it defaults to Chase Freedom but I switch cards and then while trying to hold down the Touch ID, the clerk tells me it's already gone through and the POS is prompting me to select type of payment.
So I pick credit and it's done. It didn't even check mark the Touch ID icon.
After I leave the store, I get notification from the Chase app. and it did use the Chase Freedom card.
I didn't even attempt to authenticate the fingerprint until I had changed from Chase Freedom.
Had a weird experience at Trader Joes. I pull out the iPhone and it defaults to Chase Freedom but I switch cards and then while trying to hold down the Touch ID, the clerk tells me it's already gone through and the POS is prompting me to select type of payment.
So I pick credit and it's done. It didn't even check mark the Touch ID icon.
After I leave the store, I get notification from the Chase app. and it did use the Chase Freedom card.
I didn't even attempt to authenticate the fingerprint until I had changed from Chase Freedom.
Sep 14, 2015, 7:11 pm
#2034
FlyerTalk Evangelist
Join Date: Aug 2001
Location: RSW
Programs: Delta - Silver; UA - Silver; HHonors - Diamond; IHG - Spire Ambassador; Marriott Bonvoy - Titanium
Posts: 14,185
Good news about Safeway.
Had a weird experience at Trader Joes. I pull out the iPhone and it defaults to Chase Freedom but I switch cards and then while trying to hold down the Touch ID, the clerk tells me it's already gone through and the POS is prompting me to select type of payment.
So I pick credit and it's done. It didn't even check mark the Touch ID icon.
After I leave the store, I get notification from the Chase app. and it did use the Chase Freedom card.
I didn't even attempt to authenticate the fingerprint until I had changed from Chase Freedom.
Had a weird experience at Trader Joes. I pull out the iPhone and it defaults to Chase Freedom but I switch cards and then while trying to hold down the Touch ID, the clerk tells me it's already gone through and the POS is prompting me to select type of payment.
So I pick credit and it's done. It didn't even check mark the Touch ID icon.
After I leave the store, I get notification from the Chase app. and it did use the Chase Freedom card.
I didn't even attempt to authenticate the fingerprint until I had changed from Chase Freedom.
Sep 14, 2015, 8:56 pm
#2035
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
https://www.reddit.com/r/apple/comme...get_apple_pay/ I thought I'd post this, although I'm not surprised as Safeway is well owned by Albertsons.
Sep 14, 2015, 10:18 pm
#2036
Join Date: Jun 2012
Location: New England
Programs: American Gold, Marriott Gold, Hilton Silver
Posts: 5,645
They will most likely get the MX915s to align with Albertsons.
Sep 15, 2015, 1:06 pm
#2039
Join Date: Sep 2014
Posts: 1,723
I just heard Spring 2016 for Apple Pay(That isn't coming soon at all!) and maybe EMV at Best Buy because they are having so many issues with their new pos, as its quite buggy and they aren't changing out the old ibm registers either for some dumb reason. Unless they left emv on at some stores. Still I'd have to say that Best Buy is quite stupid for a tech store...
Sep 15, 2015, 1:14 pm
#2040
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
I just heard Spring 2016 for Apple Pay(That isn't coming soon at all!) and maybe EMV at Best Buy because they are having so many issues with their new pos, as its quite buggy and they aren't changing out the old ibm registers either for some dumb reason. Unless they left emv on at some stores. Still I'd have to say that Best Buy is quite stupid for a tech store...
That said, I don't think EMV will be that delayed. NFC might though, especially if they want to route debit NFC transactions over debit whenever possible.