AllieKat

Exactly. That's no signature signature, not CDCVM

Rare

Chase Sapphire Preferred Visa.

My copy of the receipt doesn't seem to? It has "VISA", "Contactless", card # (12 *s then last 4 of device card #), "**/**". Below the amount it says "APPROVED", "VISA", "AID: A0000000031010" and "TVR: 00 00 00 00 00".

Unfortunately I don't remember what other differences there may have been on the merchant receipt. The only reason I saw it was that she handed it to me to sign, which was when I saw that it said No Signature Required. Seemed like she hadn't seen that before either.

Not sure what you mean. That they just hadn't set a limit for contactless payments without signature?

AllieKat

Either that, or the terminal configuration is wrong. Well, either way it's wrong. "No signature required" is generally intended to indicate signature CVM was used but signature was waived. Though I have seen it for PIN transactions on some merchant terminals in the US, and as I type that - it makes me realise that's what it was. Probably the SAME merchant terminal, in fact.

Because that makes far more sense than 6k signature free. Either is a misconfiguration, really. It should say "Verified by cardholder device" or similar, just as PIN should have said "Verified by PIN"... "No signature required" is meant for when signature CVM is used.

tmiw

I'm going to guess that the terminal was an Ingenico one just from the above. I think Verifone shows "Waved" or "Proximity" instead of "Contactless" on the receipt.

It's very possible that some terminals don't show any indication of CDCVM on the receipt. First Data's non-Clover ones don't, IIRC--not that I've noticed anyway. There might also be some weird issuer directed CVM thing going on too, like how Walmart seems to occasionally waive signature for purchases over $50 with EMV.

scibot

So my local Goodwill has finally enabled the EMV on their iSC250's and they use Radiant hardware. They also switched to NCR Counterpoint software with NFC enabled. ^ But the registers are so old that they show a signature thing on the screen but it doesn't capture the signature so you have to still sign a piece of paper. I've seen that same system at a different Goodwill division with NFC too so that may be their corporate pos system. NCR with EMV almost always seems to support NFC as well, with Retalix and Counterpoint having both that I have seen.

Lyolik

It means the terminal floor limit and CVM limit are wrong configured (very large values).

tmiw

TVR isn't used for Visa contactless.

RedLight2015

Ours is still Microsoft RMS, I wonder if they'll ever change to something different.

Points Scrounger

I have a trip to Iceland coming up next year, so was pleased to run across this very encouraging report (assuming Android and Samsung Pay work equally well):

http://blog.nxp.com/security/it-may-...actless-is-hot

He doesn't mention having to sign anywhere, though the limit seems to be 4200 ISK (roughly $35). Note the gas pump photo, those have traditionally been a bane for U. S. cards, showing well over that.

tmiw

Sounds a lot like what the US may end up being (where contactless cards aren't a thing, but other devices are). Unlike Iceland, though, a minority of businesses in the US may keep contactless disabled for various reasons.

emmanuel_t

Goodwill DC process cards standalone on customer-facing FD130s and they've never complained about me using contactless. Their tills are NCR, the same as B&N and JCPenney.

tmiw

I wonder if the FD130s are supposed to be temporary and the iSC250s are supposed to be the long-term solution going forward.

reclusive46

Some terminals in Canada say NO PIN or Signature is required for this transaction instead of verified by device.

tmiw

I took an Uber yesterday and used Apple Pay in the app. The app acknowledged the Touch ID authorization (for $0.01) extremely quickly, unlike with the Starbucks app. That might be because I wasn't charged until after the ride finished, though.

I guess the point is that it might be Starbucks IT that makes reloads slower than they should be. I'll have to see next time I use something like Panera.

BTW I can't seem to remove cards from Uber. Anyone run into that issue before?

emmanuel_t

I primarily use Lyft but last I used Uber they pinged my card (Capital One 360 in Apple Pay) for $2 before charging the full amount. With that being said, Lyft's Apple Pay implementation is terrible. I called a ride three weeks ago using Siri and I never got the authorisation prompt. Surprise surprise, it declined and I had to add my card back to the app. This has happened a few times in the past within the app itself.

As far as Starbucks are concerned, their Apple Pay authorisation speed seems fine most of the time. However, I once was double-charged when I cancelled a seemingly unresponsive authorisation and attempted a charge again. My only complaint overall is that they don't tell me what card I used to top-up in the email receipt.