Last edit by: storewanderer
Older (archived) threads: 2014-16
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FAQ- 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)
#5416
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You know, thinking about it more, some of the aspects of the upcoming Safeway software upgrade seem like they'd be stuff Kroger wants--particularly the blocking of PIN bypass for contactless, if it's indeed referring to domestic debit card transactions and not foreign issued contactless cards. Don't Safeway and Kroger both use the same system?
That said, I'm not sure they'd enable contactless even with this available to them.
That said, I'm not sure they'd enable contactless even with this available to them.
#5417
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A lot of people seem to think that merchants take 100% of the liability for all card transactions, regardless of whether EMV's used or not. I wouldn't be surprised if a significant number of stores don't trust the networks enough to stop collecting signatures as a result. (Not to mention that Fry's Electronics, for instance, asks/asked for ID despite having EMV enabled.)
#5418
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#5419
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I wouldn't be surprised if a significant number of stores don't trust the networks enough to stop collecting signatures as a result. (Not to mention that Fry's Electronics, for instance, asks/asked for ID despite having EMV enabled.)
#5420
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Chase proactively replaced my Chase Freedom card that was set to expire three year from now with a new one. Same account number, expiration date in 2023 (an additional year) and contactless. No email to give me a heads up before they did it, just arrived in the mail yesterday.
#5421
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EDIT: I was thinking ID and not signature. You can still collect a signature if you want, it just won't ever be used by the banks when figuring out liability.
Last edited by tmiw; Jan 11, 2019 at 2:02 pm
#5422
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The networks can't say "you don't have to take signatures" and then punish merchants when they don't ask for them.
Our country should be focusing on contactless payments anyways.... With no signature required.
#5423
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If signatures aren't required - why would any financial institution (or card network) ask for them to prove fraud didn't occur?
The networks can't say "you don't have to take signatures" and then punish merchants when they don't ask for them.
Our country should be focusing on contactless payments anyways.... With no signature required.
The networks can't say "you don't have to take signatures" and then punish merchants when they don't ask for them.
Our country should be focusing on contactless payments anyways.... With no signature required.
Also, I still want to hear about how networks not requiring it implies that merchants can't ask for one by law.
#5424
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#5425
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#5426
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I finally went to that one restaurant I talked about tonight and they in fact do pay at the table. ^ I was even able to talk our server into letting me use contactless, but it was definitely obvious that they weren't trained on anything other than EMV/swipe. Interestingly the receipt said "no cardholder verification" with MC contactless but I guess that's expected.
Now to have table payments become more common/accepted.
Now to have table payments become more common/accepted.
#5427
Join Date: Aug 2018
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It looks like Daiso may have pulled a CVS. I have always paid with my phone, but today was told they no longer accept it, despite the terminal displaying the contactless logo. So, I tapped my Chase card and the terminal said 'Cless not allowed'.
#5428
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It's possible a software upgrade messed things up too. Unfortunately it might take a while to resolve.
#5429
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I've been using Samsung Pay on my watch again since Google Pay is apparently not supported for the Citi AAdvantage card. It seems like I've had to do MST far more often than expected considering that many of the places where I've tried to use it supported NFC. Not sure what's going on there.
Additionally, the notifications/transaction log on the Samsung Pay part of the Gear app is showing "$-.--" for today's transactions. I'm guessing this is due to MST use? I haven't noticed this before.
BTW I'm guessing Under Armour supports contactless based on the below video?
Additionally, the notifications/transaction log on the Samsung Pay part of the Gear app is showing "$-.--" for today's transactions. I'm guessing this is due to MST use? I haven't noticed this before.
BTW I'm guessing Under Armour supports contactless based on the below video?
#5430
Join Date: Aug 2018
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"PenFed Credit Union to Give Members the Ability to Tap to Pay with New Contactless Visa Credit and Debit Cards"
https://www.prnewswire.com/news-rele...300778099.html
https://www.prnewswire.com/news-rele...300778099.html