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)
May 13, 2018, 6:46 pm
#4006
Join Date: Apr 2010
Location: SAN
Programs: UA
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Day 5 of being in Mexico and I can safely say that literally everywhere keeps their terminals not facing the customers, even stuff like iPP320s that's supposed to face the customer. It's like US EMV but on steroids. At least PIN preferring cards don't seem to be a hassle, probably because they're not completely unheard of.
Also, Sumesa's (grocery store chain) VX820s showed the contactless logo. However, I didn't see any obvious signage anywhere else in the brief time I was there, so I doubt any customers actually know the support exists.
Also, Sumesa's (grocery store chain) VX820s showed the contactless logo. However, I didn't see any obvious signage anywhere else in the brief time I was there, so I doubt any customers actually know the support exists.
Given the fact that they appear to do this all over the country, and even places like Walmart do this, I'd wonder if there is something in Mexican law or some bank standards that specify that the cashier has to initiate the card transaction, and the terminal is only passed to the customer if required.
May 13, 2018, 7:30 pm
#4007
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I went to Tijuana a few weeks ago and noticed this myself. I used cash while I was there but I did see other people using cards and the terminals were always facing the cashier. EMV is typically enabled though.
Given the fact that they appear to do this all over the country, and even places like Walmart do this, I'd wonder if there is something in Mexican law or some bank standards that specify that the cashier has to initiate the card transaction, and the terminal is only passed to the customer if required.
Given the fact that they appear to do this all over the country, and even places like Walmart do this, I'd wonder if there is something in Mexican law or some bank standards that specify that the cashier has to initiate the card transaction, and the terminal is only passed to the customer if required.
May 14, 2018, 7:10 am
#4008
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Location: ORD
Posts: 14,231
I was just in NYC over the weekend and as usual tried to use Apple Pay everywhere. It seemed to be having problems - almost invariably, the first time I held my phone to the terminal I got an error on the terminal to the effect of "card read error". It always worked the second time, however. Stores, taxis, everywhere.
May 14, 2018, 8:13 am
#4009
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
I was just in NYC over the weekend and as usual tried to use Apple Pay everywhere. It seemed to be having problems - almost invariably, the first time I held my phone to the terminal I got an error on the terminal to the effect of "card read error". It always worked the second time, however. Stores, taxis, everywhere.
May 14, 2018, 9:05 am
#4010
Join Date: Jul 2012
Location: Canada
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Posts: 2,194
I was just in NYC over the weekend and as usual tried to use Apple Pay everywhere. It seemed to be having problems - almost invariably, the first time I held my phone to the terminal I got an error on the terminal to the effect of "card read error". It always worked the second time, however. Stores, taxis, everywhere.
May 14, 2018, 12:39 pm
#4011
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Join Date: Nov 2002
Location: ORD
Posts: 14,231
As I was writing that, it occurred to me that the phone might be at fault. But I've never had any issue with it anywhere else. I'll keep using it and see how it works.
May 15, 2018, 7:06 am
#4012
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I've definitely run into that issue on occasion. It's usually because I tapped before they actually turned on the terminal, though, and not all of the time.
May 15, 2018, 5:54 pm
#4013
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Looks like the new IKEA credit card supports contactless: https://www.ikea.com/ms/en_US/financ...formation.html
EDIT: looks like no FTF either per the app page. ^
EDIT: looks like no FTF either per the app page. ^
May 15, 2018, 7:16 pm
#4014
Join Date: Sep 2014
Posts: 1,723
Looks like the new IKEA credit card supports contactless: https://www.ikea.com/ms/en_US/financ...formation.html
EDIT: looks like no FTF either per the app page. ^
EDIT: looks like no FTF either per the app page. ^
May 15, 2018, 7:37 pm
#4015
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The San Diego one still didn't seem to have it a week or two before I left for Mexico, FWIW.
May 15, 2018, 9:15 pm
#4016
Join Date: Sep 2014
Posts: 1,723
Sounds like Ikea haven't rolled it out to any other stores and I visited back in early December so that is like over 6 months ago. I know it can take a long time for certification but dang I do wonder what the hold up is.
May 15, 2018, 9:53 pm
#4017
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Maybe they're doing the "high risk store only" approach like many others?
May 16, 2018, 8:27 pm
#4018
Join Date: Sep 2014
Posts: 1,723
You'd think they would want to roll out contactless before EMV like Aldi has but they haven't done that. Ikea is definitely not against contactless at all since they have it in many other countries so something else is holding it up. The food section supports contactless although it prefers the Debit AID with FD130 equipment.
May 17, 2018, 11:55 am
#4019
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You'd think they would want to roll out contactless before EMV like Aldi has but they haven't done that. Ikea is definitely not against contactless at all since they have it in many other countries so something else is holding it up. The food section supports contactless although it prefers the Debit AID with FD130 equipment.
May 18, 2018, 11:59 am
#4020
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Looks like it's not just IKEA's card that has contactless. At least a few others from Comenity do as well:
https://d.comenity.net/ultamaterewardsmastercard/
https://c.comenity.net/meijermastercard/pub/Home.xhtml (I think someone mentioned this one before)
https://c.comenity.net/bjs/
Also, there appear to be Visa/MC/Discover branded Comenity cards that still don't have EMV, which makes me think that most of their cards will eventually end up supporting contactless as it comes time to redesign them.
https://d.comenity.net/ultamaterewardsmastercard/
https://c.comenity.net/meijermastercard/pub/Home.xhtml (I think someone mentioned this one before)
https://c.comenity.net/bjs/
Also, there appear to be Visa/MC/Discover branded Comenity cards that still don't have EMV, which makes me think that most of their cards will eventually end up supporting contactless as it comes time to redesign them.