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)
Jul 31, 2018, 9:31 am
#4366
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Report by market research firm Jupiter Research projects Apple Pay users to be 50% of 450 million mobile wallet users by 2020.
Another study estimate that less than 20% of iPhone users use Apple Pay:
https://bgr.com/2018/07/30/apple-pay...-wallet-users/
More than half of mobile wallet transactions are in Asia and China yet Apple Pay is going to be 50% of all mobile wallets? Doesn't China have AliPay or WePay or something else?
Maybe most interesting of all is how large Juniper’s forecast shows the mobile wallet market will be by 2020 — in-store contactless payments, according to its data, will reach $2 trillion by that time.
Nitin Bhas, who authored the research for Juniper, said that growth in the market over the next five years will continue to be led by offerings from the major players like Apple and Samsung, though Juniper’s data also includes newly launched offerings from Huawei Pay and Fitbit Pay. The data also shows that contactless payments will top $1 trillion this year for the first time, a year earlier than Juniper had originally expected.
Contactless transactions, according to Juniper, “will continue to be dominated by card payments, driven by strong adoption in Europe as well as Far East & China. Indeed, contactless card payments are the strongest across Far East & China and Rest of Asia Pacific, which together account for nearly 55% of global contactless card transaction values.”
Nitin Bhas, who authored the research for Juniper, said that growth in the market over the next five years will continue to be led by offerings from the major players like Apple and Samsung, though Juniper’s data also includes newly launched offerings from Huawei Pay and Fitbit Pay. The data also shows that contactless payments will top $1 trillion this year for the first time, a year earlier than Juniper had originally expected.
Contactless transactions, according to Juniper, “will continue to be dominated by card payments, driven by strong adoption in Europe as well as Far East & China. Indeed, contactless card payments are the strongest across Far East & China and Rest of Asia Pacific, which together account for nearly 55% of global contactless card transaction values.”
Earlier this year, Loup Ventures also put out an estimate that Apple Pay was being used on a little less than 20 percent of active iPhones around the world, and that that number would increase as time goes on.
More than half of mobile wallet transactions are in Asia and China yet Apple Pay is going to be 50% of all mobile wallets? Doesn't China have AliPay or WePay or something else?
Jul 31, 2018, 1:18 pm
#4367
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On that note, the free downloadable summary report Juniper has suggests that if contactless cards were to become more common in the US, whatever little use the mobile wallets currently have would fall off a cliff. I'm not sure of either of those myself (mainly because the people I know with e.g. the Costco card still insert it).
Jul 31, 2018, 1:36 pm
#4368
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BTW, another reason why Kroger will probably not adopt contactless any time soon: https://www.cnbc.com/2018/07/30/krog...e-dispute.html
Jul 31, 2018, 2:33 pm
#4369
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Contactless confirmed at the San Diego business center. ^
Jul 31, 2018, 3:25 pm
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BTW, another reason why Kroger will probably not adopt contactless any time soon: https://www.cnbc.com/2018/07/30/krog...e-dispute.html
"Visa's rates and fees are among the highest of any credit card brand," Foods Co. said in an emailed statement Monday.
Jul 31, 2018, 3:53 pm
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CVS and 7-Eleven are getting contactless later in the year: https://www.macrumors.com/2018/07/31...ng-to-germany/ this is huge!
Jul 31, 2018, 4:16 pm
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CVS and 7-Eleven are getting contactless later in the year: https://www.macrumors.com/2018/07/31...ng-to-germany/ this is huge!
Jul 31, 2018, 5:25 pm
#4373
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Remember, many merchants hate the fact that they have to pay anything at all.
CVS and 7-Eleven are getting contactless later in the year: https://www.macrumors.com/2018/07/31...ng-to-germany/ this is huge!
Jul 31, 2018, 5:53 pm
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Aug 1, 2018, 12:52 am
#4375
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Aug 1, 2018, 7:06 am
#4376
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No contactless at a Costco in Virginia yesterday. Hopefully it comes soon.
It appears that Ikea disables contactless above a certain amount. The terminal only accepted swipe and insert $110-ish purchase, but a separate $24 purchase allowed all three. Debit Mastercard in Apple Pay processed as MSD approved instantly with no PIN prompt, whereas Amex chip took forever and required a signature.
It appears that Ikea disables contactless above a certain amount. The terminal only accepted swipe and insert $110-ish purchase, but a separate $24 purchase allowed all three. Debit Mastercard in Apple Pay processed as MSD approved instantly with no PIN prompt, whereas Amex chip took forever and required a signature.
Aug 1, 2018, 10:30 am
#4377
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Interestingly, I got a two-sided receipt from the Sprouts by my house this morning. Previously they've only given me one-sided receipts (ever since they opened a few months ago). Maybe it depends on the checkout lane?
Aug 1, 2018, 2:21 pm
#4379
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I had lunch at an Indian restaurant today and the server came by with a tablet that has a Square chip/contactless reader attached. Unfortunately she swiped the card instead of inserting, so I can't include it on the map. 
Does it auto-detect the type of paper or does the employee have to specify it?
Does it auto-detect the type of paper or does the employee have to specify it?
Aug 1, 2018, 3:10 pm
#4380
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I had lunch at an Indian restaurant today and the server came by with a tablet that has a Square chip/contactless reader attached. Unfortunately she swiped the card instead of inserting, so I can't include it on the map.
Does it auto-detect the type of paper or does the employee have to specify it?
Does it auto-detect the type of paper or does the employee have to specify it?