Jan 16, 2017, 6:55 am
Last edit by: storewanderer
Older (archived) threads: 2014-16
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- What is EMV contactless?
EMV contactless is a form of contactless/NFC that uses the same security and encryption that is used when inserting a chip card into an EMV-enabled terminal. Other than not having to sign/enter a PIN for smaller transactions, the security is effectively the same as chip and PIN/chip and signature.
In contrast, MSD contactless is an older version that is designed just and only for the United States. This effectively uses much the same flow as a swiped card transaction with the same rules.
- What is CDCVM?
CDCVM stands for Consumer Device Cardholder Verification Method. It's a method of telling the terminal that the customer verified their identity using their mobile device. Terminals that support it will waive the signature/PIN requirement typically in place for larger transactions, potentially saving time at checkout.
More info: https://support.apple.com/en-us/HT202527
- Does EMV contactless need to be supported to support CDCVM?
Typically, yes. (However, there are some exceptions below.)
- Why can't I tap my foreign-issued contactless card at most places in the US?
This is likely because the store does not support EMV contactless. Foreign issued contactless cards typically do not support MSD contactless since other markets have had EMV for quite some time. In contrast, most stores in the US have yet to get the necessary certifications/software for EMV contactless so they are typically MSD-only--if contactless is enabled at all. (See below for a list of stores where your card will likely work.)
- I paid for a purchase with Apple/Android/Samsung Pay and still had to sign for it.
Most likely, the store in question does not have EMV contactless enabled (see above question). However, there are instances where CDCVM does not work even with EMV contactless enabled. Restaurants that allow tip adjust, for example--where the tip amount is written on a paper receipt and entered by the staff later--cannot support CDCVM. It may simply be a matter of the merchant's processor or the POS software in use not supporting it too.
Another common reason is if you used a US-issued AmEx card with a mobile wallet. AmEx currently does not allow EMV contactless support in mobile wallets for these cards, so they always run as MSD contactless. Because of this, CDCVM is not supported (with very few exceptions, as noted below).
Note: if you used Samsung Pay, you may have paid with MST instead of NFC. Since MST emulates the magnetic pulses that the terminal receives when swiping a regular card, the normal magstripe rules apply.
- How can I tell whether EMV contactless was used?
An easy way to tell if you have Apple Pay is to pay with a Visa or MC while in airplane mode. Wallet will then show a transaction amount next to "Payment" for the card that was used. Alternatively, EMV-related information will typically print on the receipt (AID, etc.) if EMV contactless was used.
(Non-exhaustive) list of EMV contactless supporting merchants in the US:
- 7-Eleven
- 99 Ranch
- Albertsons (Safeway, Vons, Pak N Save, Jewel, Acme, Shaws, Star, Carrs, Randalls, Tom Thumb, Haggen, Eagle, Lucky UT/SoCal)
- Apple Store*†
- Athleta
- Auntie Anne’s Pretzels
- Banana Republic
- Costco Wholesale
- CVS
- DuaneReade*
- El Pollo Loco
- EG Group US (Quik Stop, Kwik Shop, Tom Thumb, Turkey Hill) Note: cashier must press "Electronic Payment" to activate NFC
- Five Below*
- Five Guys
- GAP
- Grocery Outlet*
- Harmon's Grocery
- H&M*
- Jolibee
- Kohl's*
- Lush Cosmetics*
- Maverik
- McDonald's*
- Meijer
- Old Navy
- Panera Bread
- PetSmart
- Ray's Food Place
- Round Table Pizza
- Royal Farms
- Red Ribbon Bakeshop
- Sheetz
- Sherm's Thunderbird Discount Markets Inc.*
- Sprouts
- Staples*
- Starbucks*
- Subway
- Walgreens*
- Weis Markets
- All businesses that use Square and support contactless*
- All businesses that use Clover and support EMV†**
- All businesses that use First Data standalone terminals (e.g. FD100+FD35, FD130) with EMV enabled**
* CDCVM support confirmed
** CDCVM support depends on store/restaurant
† CDCVM supported in MSD mode
USA contactless credit/debit/transit (2017 - 2021)
Sep 2, 2017, 3:01 pm
#1876
Join Date: Sep 2014
Posts: 1,723
Aldi's new competitor Lidl accepts contactless so it would only make sense that Aldi will eventually.
So Books A Million must have enabled contactless with chip and the last time I was there they used iSC250's with nothing enabled then they closed down so now the closest one is now 200 miles away so I can't check it out right now.
Sep 2, 2017, 3:13 pm
#1877
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Speaking of cash, the registers at The Habit were freaking out and I almost had to use cash to pay. Not sure what would have happened if I didn't have any and the second register had issues too.
Sep 2, 2017, 4:16 pm
#1878
Join Date: Nov 2012
Posts: 3,537
Yes I agree also I had a cashier at Aldi tell me that it costs $6k per register to turn on chip so he thought they wouldn't turned it on at all. But in reality is probably just them waiting for certifications for emv and contactless to come through. The pos Aldi uses shows codes for different payment methods such as 90 for a "Magnetic stripe as read from track 2. CVV can be checked.", 91 "Auto entry via contactless magnetic stripe", 05 "Integrated circuit card (ICC). CVV can be checked.", 07 "Auto entry via contactless EMV".
Aldi's new competitor Lidl accepts contactless so it would only make sense that Aldi will eventually.
Aldi's new competitor Lidl accepts contactless so it would only make sense that Aldi will eventually.
Sep 2, 2017, 5:14 pm
#1879
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Not sure if anyone's mentioned this yet but Gap's credit cards have Apple Pay support now.
Sep 2, 2017, 8:02 pm
#1880
Join Date: Oct 2015
Location: Northern Virginia
Posts: 1,592
I think scibot means new to the US, but you’re correct otherwise.
Sep 2, 2017, 11:40 pm
#1881
Join Date: Sep 2014
Posts: 1,723
Not sure if anyone's mentioned this yet but Gap's credit cards have Apple Pay support now.
Yes that is what I meant they have just started adding stores in the US in 2017 so therefore they are new to the US.
Sep 3, 2017, 1:38 am
#1882
Join Date: Nov 2012
Posts: 3,537
Good luck in some areas trying to find a Gap/Old Navy with contactless support as its still rolling out but if your location on the MC ctls locator then its enabled for sure. Also I seem to not be able find anything on Apple/Android Pay being supported by the GAP/Old Navy credit cards. It could just be so recent that no news source has written anything on it yet.
Yes that is what I meant they have just started adding stores in the US in 2017 so therefore they are new to the US.
Yes that is what I meant they have just started adding stores in the US in 2017 so therefore they are new to the US.
For what it's worth, Lidl is better than Aldi I think.
Sep 3, 2017, 2:22 am
#1883
Join Date: Mar 2017
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I was saying people in the United States are so narrow minded that "cards work like Apple Pay," rather than "phones which are acting as a contactless card."
Most people here don't even know a physical contactless card exists, which is sad. People really need to get out more and explore other countries.
Sep 3, 2017, 2:34 am
#1884
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That's not surprising. To most people, Apple Pay effectively came first.
Sep 3, 2017, 11:05 am
#1885
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Sep 3, 2017, 12:17 pm
#1886
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Sep 3, 2017, 12:26 pm
#1887
Join Date: Mar 2017
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Posts: 2,035
My Capital One Quicksilver, 3 AMEX cards, and my Paypal Debit card all have contactless built into them.
From experience, they're unheard of here besides "Apple Pay."
Sep 3, 2017, 1:45 pm
#1888
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Also, Visa contactless on US-issued cards/mobile wallets has much less value than MC overseas. Then again, if you don't plan on taking any transit, maybe it doesn't matter?
Sep 3, 2017, 2:39 pm
#1889
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So it looks like it is some sort of software update rolling out at McDonald's and not the fact that a coupon was used that triggers the Verified by PIN text (see attached). Which I guess is expected because having it behave differently with a coupon would be weird.
Sep 3, 2017, 3:17 pm
#1890
Join Date: Jul 2009
Location: SJC
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This was with a mobile payment or contactless with the card?