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)
Jan 21, 2019, 5:28 pm
#5461
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,516
Jan 22, 2019, 7:22 am
#5462
Join Date: Sep 2014
Posts: 1,723
Target and Taco Bell will be accepting contactless very soon its official https://www.apple.com/newsroom/2019/...ail-locations/ YEAH! "Apple Pay is also rolling out to more than 7,000 Taco Bell and 2,200 Jack in the Box locations in the next few months." Well some JITB already have it.
Jan 22, 2019, 8:07 am
#5463
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Target and Taco Bell will be accepting contactless very soon its official https://www.apple.com/newsroom/2019/...ail-locations/ YEAH! "Apple Pay is also rolling out to more than 7,000 Taco Bell and 2,200 Jack in the Box locations in the next few months." Well some JITB already have it.
The CVM listed on the email receipt still says signature, though, despite not asking me for one--so I wouldn't count them as having unattended terminals for the purpose of testing stuff like Barclay's cards.
Jan 22, 2019, 8:43 am
#5464
Join Date: Jul 2011
Posts: 1,136
Target and Taco Bell will be accepting contactless very soon its official https://www.apple.com/newsroom/2019/...ail-locations/ YEAH! "Apple Pay is also rolling out to more than 7,000 Taco Bell and 2,200 Jack in the Box locations in the next few months." Well some JITB already have it.
Jan 23, 2019, 2:13 am
#5465
Join Date: Jan 2017
Posts: 100
The biggest offenders of surcharging in Australia are unfortunately places where it's difficult to "opt out", such as hotels. Some establishments will charge a higher surcharge for AmEx than Visa/MC. I've had other hotels that indicate they impose a surcharge but never have. Most chain stores and restaurants will not surcharge. A few convenience stores do. Contactless acceptance is ubiquitous, and I suggest using Apple or Google Pay if that is an option for you. You have to bring your own pen these days for chip-and-signature transactions. Contactless avoids this.
Like in New Zealand, everyone calls contactless transactions "PayWave", which is the official Visa branding.
Like in New Zealand, everyone calls contactless transactions "PayWave", which is the official Visa branding.
Jan 23, 2019, 7:07 pm
#5466
Join Date: Aug 2018
Location: SEA/ATL
Posts: 61
Target Seattle Pike Place has EMV contactless enabled. The UI looks the same but with four dots; it does not look like the picture from the press release. Perhaps it'll change over time? Overall, it looks like the rollout is doing well!
Jan 23, 2019, 8:09 pm
#5467
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
For others who use regular cards, does the remove card sound go back to the nice sounding one?
Jan 23, 2019, 9:13 pm
#5468
Join Date: Sep 2014
Posts: 1,723
https://www.cspdailynews.com/company...souri-illinois Almost all of those Circle K are currently Shell branded so I wonder if they will be phasing out Circle K Shell eventually? "Additional sites in the region will be converted within the next several months." I see a lot of Circle K Shell in the STL area on the contactless locator so they may have upgraded the pos to unbranded already.
Jan 23, 2019, 10:15 pm
#5469
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
The MC map updated again but it's still missing a lot of places. I wonder if they're purposely not showing all of the locations anymore (for instance, maybe only the places with low contactless use so that people are more likely to go to those and use it)?
Jan 24, 2019, 5:51 pm
#5470
Join Date: Oct 2004
Location: Indianapolis area
Programs: Marriott Lifetime Titanium
Posts: 436
https://www.cspdailynews.com/company...souri-illinois Almost all of those Circle K are currently Shell branded so I wonder if they will be phasing out Circle K Shell eventually? "Additional sites in the region will be converted within the next several months." I see a lot of Circle K Shell in the STL area on the contactless locator so they may have upgraded the pos to unbranded already.
Jan 24, 2019, 8:14 pm
#5471
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
Just drove by my local Westfield IN (Indianapolis area) Circle K / Shell that I frequent on the way home from Costco. All of the Shell branding appears to have been removed. Didn't stop in as I didn't need gas but not a Shell logo was to be seen from the road. The banners over the pumps had only the Circle K branding and there was an empty spot on the sign by the road where the Shell logo used to be. This is a newly rebuilt store that reopened within the last year.
Jan 24, 2019, 11:03 pm
#5472
Join Date: Sep 2014
Posts: 1,723
Just drove by my local Westfield IN (Indianapolis area) Circle K / Shell that I frequent on the way home from Costco. All of the Shell branding appears to have been removed. Didn't stop in as I didn't need gas but not a Shell logo was to be seen from the road. The banners over the pumps had only the Circle K branding and there was an empty spot on the sign by the road where the Shell logo used to be. This is a newly rebuilt store that reopened within the last year.
Last edited by scibot; Jan 24, 2019 at 11:44 pm
Jan 25, 2019, 12:33 am
#5473
Join Date: Jun 2012
Location: New England
Programs: American Gold, Marriott Gold, Hilton Silver
Posts: 5,641
So, in Safeway's New England division, the EMV update was rolled out to all stores today instead of a staggered rollout. Contactless payments run as EMV don't even show a cash back prompt if everything is working properly. I haven't seen any external changes to any of the screens or processing time.
Jan 25, 2019, 6:42 am
#5474
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,516
So Chase is updating its Marriott cards in mid-late February as part of the Bonvoy rebrand, with contactless shown in the image of the new card. I wonder if the remaining Chase cards will get it around this time?
Jan 25, 2019, 9:59 am
#5475
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
So, in Safeway's New England division, the EMV update was rolled out to all stores today instead of a staggered rollout. Contactless payments run as EMV don't even show a cash back prompt if everything is working properly. I haven't seen any external changes to any of the screens or processing time.