Jan 16, 2017, 6:55 am
Last edit by: storewanderer
Older (archived) threads: 2014-16
- - - - - -
- 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 26, 2018, 4:43 pm
#4066
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
Contactless works at Chase ATMs now. ^
May 26, 2018, 5:23 pm
#4067
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,059
May 26, 2018, 5:50 pm
#4068
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
May 26, 2018, 6:27 pm
#4070
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
May 26, 2018, 6:37 pm
#4071
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
BofA is fee laden and charges you for every single little thing there is. Especially for just a basic checking account for the kids to use, etc. Plus with our UA Mileage Plus Explorer already on Chase etc it just makes sense.
And I just realized they mounted the graphic the wrong way on that card reader! GAH the chip is facing out! OCD time! LOL!
And I just realized they mounted the graphic the wrong way on that card reader! GAH the chip is facing out! OCD time! LOL!
May 26, 2018, 9:02 pm
#4072
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
BofA is fee laden and charges you for every single little thing there is. Especially for just a basic checking account for the kids to use, etc. Plus with our UA Mileage Plus Explorer already on Chase etc it just makes sense.
And I just realized they mounted the graphic the wrong way on that card reader! GAH the chip is facing out! OCD time! LOL!
And I just realized they mounted the graphic the wrong way on that card reader! GAH the chip is facing out! OCD time! LOL!
Speaking of major banks, some credit unions are almost as bad.
And who knows how long it'll be before their ATMs support contactless?
May 26, 2018, 11:57 pm
#4073
Join Date: Mar 2011
Location: Window Seat
Programs: National Executive, HHonors Gold, IHG Platinum, Hyatt Visitor
Posts: 2,495
Chase seems to want to hide to the US that Contactless Cards exist. Yet Chase issues those Contactless Cards in various other countries...
May 27, 2018, 9:46 am
#4074
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
I thought Chase was pulling out of the Canadian market. Where else do they operate?
May 27, 2018, 12:52 pm
#4075
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
Phew! That was a mouthful.
May 27, 2018, 5:59 pm
#4076
Join Date: Oct 2015
Location: Northern Virginia
Posts: 1,592
I went to Five Guys a few days ago, and it appears that they support EMV contactless now. I used Visa Credit. No EMV data on the receipt.
Meanwhile, it seems my local Panera may have broken contactless after finally getting the chip card update. My phone didn’t even detect the terminal, so it’s possible that the terminal’s NFC chip went bad (which I actually have encountered before).
Meanwhile, it seems my local Panera may have broken contactless after finally getting the chip card update. My phone didn’t even detect the terminal, so it’s possible that the terminal’s NFC chip went bad (which I actually have encountered before).
May 28, 2018, 6:12 am
#4077
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
Bank of America has standard fees for any bank - although I think it's stupid for a bank to charge for ACH push payments to another institution. A $3 fee is a little ridiculous.
In return, you get BankAmerideals, the ability to use your credit card for overdraft protection, a more powerful online banking platform (website and app), and the ability to create virtual card numbers. Both are pretty much neck and neck with fraud protections and how they reimburse you (next day reimbursement for both).
Obviously Chase's credit cards are better - and if you already have one, I think you're making the right choice by going with them for your checking account.
May 28, 2018, 9:43 pm
#4078
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
So PNC might be rolling out contactless ATMs now too. I don't remember if anyone's reported this yet though.
May 28, 2018, 10:36 pm
#4079
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,059
So PNC might be rolling out contactless ATMs now too. I don't remember if anyone's reported this yet though.
May 29, 2018, 9:02 am
#4080
Join Date: Jul 2011
Posts: 1,133
So PNC might be rolling out contactless ATMs now too. I don't remember if anyone's reported this yet though.
