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Made 2 transactions at one store and immediately after leaving got a call. They were for like 10 each.
They're really keeping a close eye on things. The whole address only, no store name thing doesn't help either. |
Originally Posted by HGHUA
(Post 28384534)
Made 2 transactions at one store and immediately after leaving got a call. They were for like 10 each.
They're really keeping a close eye on things. The whole address only, no store name thing doesn't help either. I think the low barrier to getting contacted would exclude using this card in more creative ways. :) Others have reported the fraud departments at Chinese banks are highly sensitive. It doesn't help that we're having to run fallback transactions anywhere that's switched on EMV in the US. I personally am sticking with my plan of using this card exclusively in China, HK, and Macau as a viable alternative when Visa produces unavoidable DCC and AmEx has acceptance issues. |
Originally Posted by Majuki
(Post 28361493)
I've been testing out the card per some other posts online, and I was able to select debit at Safeway. I entered my six digit PIN, and the transaction approved and posted as a purchase:
http://i.imgur.com/mTGvctit.jpg It is also possible to do a PIN bypass and run it as a credit transaction. Also, I had initially swiped the card, but the terminal asked me to insert. After I inserted the card, the terminal told me to swipe. I then wanted to see if the Arby's nearby supported PBOC since I knew they were using standalone First Data terminals, but the terminal did not. The cashier was having a difficult time with the terminal because it was giving conflicting information about inserting or swiping the card. Perhaps the terminal was trying to prevent a fallback transaction? Eventually, the transaction went through, and it said it was a Discover card: http://i.imgur.com/THyhbt7t.jpg Finally, I decided to try it out at Costco. To my surprise, it worked there too after I entered my PIN: http://i.imgur.com/gyBelEAt.jpg The two transactions above that went over the debit network cleared as purchases. I'm curious which debit network it's using. Might it be Discover's debit network? |
Originally Posted by Tyler2017
(Post 28386303)
Didn't Costco and the others listed above enabled EMV already? Why did the terminal allow the chipped UnionPay card to be swiped? That defeats the purpose of having EMV in the first place! :mad:
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Originally Posted by Tyler2017
(Post 28386303)
That defeats the purpose of having EMV in the first place! :mad:
Originally Posted by Majuki
(Post 28386387)
It's not because of the EMV setup at the retailer. You're right that they've enabled EMV, but UnionPay doesn't use EMV for its chipped transactions. It uses the PBOC (People's Bank of China) protocol, which I haven't seen a US terminal support. This is also why it's increasingly difficult to use a Discover card in Mainland China through the interoperability agreement. Pretty much using a Discover card in China or a UnionPay card in the US is causing a fallback transaction.
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Originally Posted by tmiw
(Post 28386440)
My understanding is that PBOC and EMV are somewhat similar. In particular, both UnionPay/PBOC and other EMV cards have AIDs on them, which is probably how a terminal can support both. Unfortunately, that doesn't seem to be the case in the US at the moment, and I don't know when that'll change.
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Originally Posted by Majuki
(Post 28386801)
Yes, you're right. Terminals can definitely support both, and my transaction from February in Hong Kong shows ICBC PBOCCARD as the application. While I wasn't paying close attention, I believe the terminal was the same as if I had used a Visa. Someone like percysmith could come and correct me if merchants in Hong Kong typically have different terminals for UnionPay and everything else.
AFAIK, card terminals in HK/Macau/Taiwan usually have two mode, one for VISA/MASTER/AMEX/JCB cards, another for CUP. Cashiers switch between mode when it is needed. Merchants who have different terminals usually because of management requirement/ processing rate/ bonus points redemption/ bank promotion, but not merely because of card brands. |
Originally Posted by karlcheong
(Post 28391148)
Well the applabel is just a name given by the bank, it has no meaning in the transaction. Common CUP applabels I had seen included "UICC CREDIT" "UNIONPAY CREDIT", "UICS CREDIT"
AFAIK, card terminals in HK/Macau/Taiwan usually have two mode, one for VISA/MASTER/AMEX/JCB cards, another for CUP. Cashiers switch between mode when it is needed. Merchants who have different terminals usually because of management requirement/ processing rate/ bonus points redemption/ bank promotion, but not merely because of card brands. |
One... AIDs are not a uniquely EMV thing. Other smart cards use the same application format.
Two... The terminals definitely support the PBOC standards so I don't know why people keep saying that they don't... The application needs certified and loaded like any other... |
Originally Posted by AllieKat
(Post 28396007)
One... AIDs are not a uniquely EMV thing. Other smart cards use the same application format.
Two... The terminals definitely support the PBOC standards so I don't know why people keep saying that they don't... The application needs certified and loaded like any other... |
Originally Posted by Majuki
(Post 28396809)
I'm curious to know if any US merchant / acquirer - I don't know who does the certification - has actually gone through the process to certify the application. Would they all be the same AID just different APPLABELs based on what karlcheong said?
The network sets the certification standards as well as determine who is approved to certify. As far as I know, no US merchant accepts UnionPay chip cards. But the terminals deployed definitely CAN. Now, why no one has... I have no clue. Maybe the liability isn't seen to outweigh the cost? I do know UnionPay standards are a challenge to meet. |
Originally Posted by AllieKat
(Post 28396856)
Now, why no one has... I have no clue. Maybe the liability isn't seen to outweigh the cost? I do know UnionPay standards are a challenge to meet.
I remember you mentioning your classmates used their cards in Montana, but this isn't the common case from what I've seen. Most students end up getting a local bank account. |
I have a Hong Kong unionpay card (from HSBC). About 50% of merchants in China doesn't accept it. They say they don't accept foreign cards. Maybe that's not the correct reason, but that's what they're saying.
I wonder if this card will have the same issue. |
Originally Posted by nick5000
(Post 28399965)
I have a Hong Kong unionpay card (from HSBC). About 50% of merchants in China doesn't accept it. They say they don't accept foreign cards. Maybe that's not the correct reason, but that's what they're saying.
I wonder if this card will have the same issue. Fortunately, I haven't encounter this issue with my foreign CUP cards in most merchants. |
Originally Posted by nick5000
(Post 28399965)
I have a Hong Kong unionpay card (from HSBC). About 50% of merchants in China doesn't accept it. They say they don't accept foreign cards. Maybe that's not the correct reason, but that's what they're saying.
I wonder if this card will have the same issue. I have 100% acceptance as far as I can remember from dining and hotels. --- I remember eons ago I had once merchant say that to me. But I think the guy was trying to avoid interchange altogether but had to explain away the card terminal. |
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