USA contactless credit/debit/transit (2014-2016)
Aug 2, 2016, 11:49 am
#4606
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
I never bothered to load the First Tech app on my phone, as I very rarely use my bank account there, so I can't look at the exact transaction to see its history. In my experience, debit purchases using a debit card post immediately, but credit takes a day or two longer to be finalized.
- No amount appears in Wallet immediately after tapping (expected due to use of MSD contactless).
- After authorization, the Chase mobile app sends push notification for initial amount. Still nothing in Wallet.
- After selecting item: Chase sends a second push notification with the final amount. Apple Pay also sends a DECLINED notification for this amount which appears in Wallet (see below).
This might be a iOS 10 thing though since I remember only getting one push notification before.
Aug 2, 2016, 12:41 pm
#4607
Join Date: Nov 2014
Location: NYC
Posts: 557
Not only is the Walgreens by my office still forcing PIN on Apple Pay debit, they're now demanding ID for inserted credit card transactions. If they're trying to botch their rollout of technology, they're doing a great job!
Aug 2, 2016, 5:00 pm
#4608
Join Date: Jul 2012
Location: Canada
Programs: BA Gold (OWE), Star Alliance Gold, Hilton Diamond
Posts: 2,194
One of my Canadian credit cards has no name printed on it (was given to me in branch), I'd love for someone to ask for ID on that card.
Aug 2, 2016, 5:17 pm
#4609
Join Date: Jun 2012
Location: New England
Programs: American Gold, Marriott Gold, Hilton Silver
Posts: 5,645
Here is the form for MC. I had the Visa one bookmarked, but they must have moved the page.
https://www.mastercard.us/en-us/cons...-shopping.html
It's not uncommon for banks to issue temporary debit cards here in the US with the name "Valued Customer" or something like that. I'm curious as well, as to how they would handle that.
Aug 2, 2016, 5:20 pm
#4610
Join Date: Jul 2006
Location: SAN
Posts: 1,171
The Visa form to report merchant issues is here:
https://usa.visa.com/Forms/merchant-...aint-form.html
https://usa.visa.com/Forms/merchant-...aint-form.html
Aug 2, 2016, 5:22 pm
#4611
Join Date: Jun 2012
Location: New England
Programs: American Gold, Marriott Gold, Hilton Silver
Posts: 5,645
Oh look at that first option!
I was using my Visa Debit card and was required to enter a PIN to complete my purchase. I did not have the option to sign for my purchase.
Aug 2, 2016, 9:29 pm
#4612
Join Date: Sep 2014
Posts: 1,723
I went to Little Caesars Pizza and they have a VX820+VX520 but contactless did not work as I got 'pinpad error' with both Visa debit and the grandfathered mastercard when I tapped the VX820 so maybe it only works on the VX520? Also EMV is enabled there as well. Then after I failed to pay that way twice I walked to a Starbucks that is not on the ctls locator and they have the VX820 with the pinpads but no chip yet and NFC worked totally fine there. It seemed to respond faster to my phone but processing and the Approved message took longer to come up.
Aug 2, 2016, 10:05 pm
#4613
Join Date: Nov 2014
Location: NYC
Posts: 557
The Visa form to report merchant issues is here:
https://usa.visa.com/Forms/merchant-...aint-form.html
https://usa.visa.com/Forms/merchant-...aint-form.html
Aug 2, 2016, 10:18 pm
#4614
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Officially, it appears that you're supposed to go through the bank that issued your card now:
Speaking of Visa, are there any issuers other than Citi that have contactless on their cards? The ones that we know about generally seem to be AmEx or MasterCard. (Weirdly, Wells Fargo still has info about them in their FAQ even though we've concluded a while back that they've stopped issuing them.)
What do I do if a merchant will not accept my Visa card?
Your payment experience is incredibly important to us. Merchants who display the Visa logo are not permitted to choose whether or not to accept a Visa card for payment if the customer is acting in good faith.
Visa has over 16,000 financial institution clients that issue their own Visa cards and sign up merchants to accept them. These institutions set the terms and conditions for their merchant relationships and, therefore, handle all customer service matters relating to them.
We recommend that you notify your Visa card issuer using the customer support number appearing on your Visa statement or the back of your Visa card. Your Visa card issuer has access to the appropriate Visa rules and regulations, as well as the Notification of Customer Complaint forms to file complaints.
Your payment experience is incredibly important to us. Merchants who display the Visa logo are not permitted to choose whether or not to accept a Visa card for payment if the customer is acting in good faith.
Visa has over 16,000 financial institution clients that issue their own Visa cards and sign up merchants to accept them. These institutions set the terms and conditions for their merchant relationships and, therefore, handle all customer service matters relating to them.
We recommend that you notify your Visa card issuer using the customer support number appearing on your Visa statement or the back of your Visa card. Your Visa card issuer has access to the appropriate Visa rules and regulations, as well as the Notification of Customer Complaint forms to file complaints.
Aug 2, 2016, 10:45 pm
#4615
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
I went to Little Caesars Pizza and they have a VX820+VX520 but contactless did not work as I got 'pinpad error' with both Visa debit and the grandfathered mastercard when I tapped the VX820 so maybe it only works on the VX520? Also EMV is enabled there as well. Then after I failed to pay that way twice I walked to a Starbucks that is not on the ctls locator and they have the VX820 with the pinpads but no chip yet and NFC worked totally fine there. It seemed to respond faster to my phone but processing and the Approved message took longer to come up.
Aug 2, 2016, 11:27 pm
#4616
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
2. Examples of prohibited merchant restrictions. The following are examples of issuer or network practices that would inhibit a merchant’s ability to direct the routing of an electronic debit transaction that are prohibited under § 235.7(b):
i. Prohibiting a merchant from encouraging or discouraging a cardholder’s use of a particular method of debit card authorization, such as rules prohibiting merchants from favoring a cardholder’s use of PIN debit over signature debit, or from discouraging the cardholder’s use of signature debit.
i. Prohibiting a merchant from encouraging or discouraging a cardholder’s use of a particular method of debit card authorization, such as rules prohibiting merchants from favoring a cardholder’s use of PIN debit over signature debit, or from discouraging the cardholder’s use of signature debit.
Aug 2, 2016, 11:47 pm
#4617
Join Date: Mar 2011
Location: Window Seat
Programs: National Executive, HHonors Gold, IHG Platinum, Hyatt Visitor
Posts: 2,495
What is the address of this location that is requiring ID?
Aug 3, 2016, 1:29 am
#4618
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
