USA contactless credit/debit/transit (2014-2016)
Oct 31, 2016, 7:32 pm
#5431
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Very unlikely due to the challenges of deploying a fully integrated system with Interac (It's not impossible, (Wal-Mart did it) but for many merchants it is not worth the cost).
Even prior to EMV in Canada, many merchants who had fully-integrated credit card processing had a semi-integrated or stand-alone setup for Interac, and just moved to that model for EMV. Almost no PCI compliance or EMV certification costs.
It's also important to point out that 'semi-integrated' does not always mean at a hardware level. In many instances, it is essentially a middle-ware software layer running on a different system that is not part of the POS and interfaces through an API.
Even prior to EMV in Canada, many merchants who had fully-integrated credit card processing had a semi-integrated or stand-alone setup for Interac, and just moved to that model for EMV. Almost no PCI compliance or EMV certification costs.
It's also important to point out that 'semi-integrated' does not always mean at a hardware level. In many instances, it is essentially a middle-ware software layer running on a different system that is not part of the POS and interfaces through an API.
Oct 31, 2016, 10:27 pm
#5432
Join Date: Jul 2006
Location: SAN
Posts: 1,171
Never seen anything like that at Panera (which owns Paradise Bakery). Panera has had customer-facing MX925 for a while now for Apple Pay; haven't seen EMV there yet.
Oct 31, 2016, 10:48 pm
#5434
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,066
I almost had an all contactless today today. 1) Lunch at work's cafeteria 2) Zara at Valley Fair Mall 3) A vendor at the food court. For 3 I opted for EMV since the FirstData Clover terminal was down on the cashier's side, and I spotted it too late to try a contactless payment.
Nov 1, 2016, 6:42 am
#5435
Join Date: Oct 2004
Location: Indianapolis area
Programs: Marriott Lifetime Titanium
Posts: 436
Nov 1, 2016, 1:09 pm
#5436
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
I almost had an all contactless today today. 1) Lunch at work's cafeteria 2) Zara at Valley Fair Mall 3) A vendor at the food court. For 3 I opted for EMV since the FirstData Clover terminal was down on the cashier's side, and I spotted it too late to try a contactless payment.
Nov 1, 2016, 1:13 pm
#5437
Join Date: Nov 2012
Posts: 3,537
It's a massive flaw in the Clover setup where basically the screen and the FD-40 are treated as two separate terminals. Obviously if they're using the screen they don't care about the liability shift.
Nov 1, 2016, 1:14 pm
#5438
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
It's unfortunate with clover nobody comes out to install it, they just ship it out in a box and the owner pretty much guesses how the thing goes back together.
Nov 1, 2016, 2:54 pm
#5439
Join Date: Oct 2015
Location: Northern Virginia
Posts: 1,592
Speaking of Paradise Bakery, Panera managed to break Amex contactless. I hear the angry three beeps just like the remove card prompt when I tap my phone. Here's to the second company that broke it, Ahold being the first. My other Amex tap issues have been with merchants not taking it altogether.
On the other hand, you can now leave a tip on your card at Panera.
On the other hand, you can now leave a tip on your card at Panera.
Nov 1, 2016, 6:15 pm
#5440
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Because they don't know any better. And the card swipe doesn't communicate with the FD 40 as it's ran on a separate app. What they need to do is disable the on screen swipes when an FD40 is detected.
It's unfortunate with clover nobody comes out to install it, they just ship it out in a box and the owner pretty much guesses how the thing goes back together.
It's unfortunate with clover nobody comes out to install it, they just ship it out in a box and the owner pretty much guesses how the thing goes back together.
Nov 2, 2016, 3:39 am
#5441
Join Date: Sep 2014
Posts: 1,723
I went to a KFC/LJS last night and used Android Pay with no issues, but I saw more than one people with issues when swiping their cards. Plenty of card read errors because they swiped before the pinpad is ready. It also said to confirm the amount for swiped cards only but not ctls, which makes it faster for ctls users. ^ No CTLS enabled at the brand new Wells Fargo ATM they said by the end of the year 40% would have contactless enabled but I haven't seen one with ctls enabled yet.
Nov 2, 2016, 8:18 am
#5442
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
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Posts: 15,508
I went to a KFC/LJS last night and used Android Pay with no issues, but I saw more than one people with issues when swiping their cards. Plenty of card read errors because they swiped before the pinpad is ready. It also said to confirm the amount for swiped cards only but not ctls, which makes it faster for ctls users. ^ No CTLS enabled at the brand new Wells Fargo ATM they said by the end of the year 40% would have contactless enabled but I haven't seen one with ctls enabled yet.
Also, the WF down the street does have the hardware but I have no idea whether it's working or not. Maybe it's time to go check again and see.
Nov 2, 2016, 9:20 am
#5443
Join Date: Nov 2012
Posts: 3,537
Contactless tap SHOULDN'T be possible before you see the amount so it is unnecessary as long as that's setup properly.
Nov 2, 2016, 9:47 am
#5444
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Location: San Diego, CA
Programs: GE, Marriott Platinum
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Anyway, I think it might actually be against typically accepted practice in the US to have a confirmation screen at all. Gas pumps don't, for instance (they just pre-auth for $100 or whatever and adjust it downward later as needed). Nor do restaurants. I also don't really remember seeing such screens all that often outside of those two categories either.
Nov 2, 2016, 9:54 am
#5445
Join Date: Nov 2012
Posts: 3,537
Except that merchants can accept a tap before the final amount is known (even with EMV contactless, though I haven't seen that yet).
Anyway, I think it might actually be against typically accepted practice in the US to have a confirmation screen at all. Gas pumps don't, for instance (they just pre-auth for $100 or whatever and adjust it downward later as needed). Nor do restaurants. I also don't really remember seeing such screens all that often outside of those two categories either.
Anyway, I think it might actually be against typically accepted practice in the US to have a confirmation screen at all. Gas pumps don't, for instance (they just pre-auth for $100 or whatever and adjust it downward later as needed). Nor do restaurants. I also don't really remember seeing such screens all that often outside of those two categories either.