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 27, 2019, 12:58 am
#5491
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,063
For those who've gone through the online replacement request, has anyone received the contactless CSR yet? Did you select damaged as the reason? I was thinking about calling up Chase to request a replacement.
Jan 27, 2019, 3:10 am
#5492
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,803
When I applied for accelerated replacement with a local bank here in HK I said I got embarrassed having Australian cashiers slapping my card onto contactless readers only for me to tell them it's not a local card.
Jan 27, 2019, 6:57 am
#5493
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,516
My current CSR is plastic, so I’m wondering what the replacement will be.
Jan 27, 2019, 8:25 am
#5494
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,063
I'll call later today. I remember when calling about Freedom and Freedom Unlimited that the person was initially adamant that not only 1) contactless cards weren't available but 2) one couldn't simply request an on demand replacement. Perhaps they've received enough requests by now that that's changed.
Jan 27, 2019, 9:22 am
#5495
Join Date: Jan 2014
Posts: 451
I just signed up for my first Chase card which is the Freedom card and it arrived contactless and plastic and works fine contactless as well.
Jan 27, 2019, 9:27 am
#5496
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,516
Originally Posted by Majuki
I'll call later today. I remember when calling about Freedom and Freedom Unlimited that the person was initially adamant that not only 1) contactless cards weren't available but 2) one couldn't simply request an on demand replacement. Perhaps they've received enough requests by now that that's changed.
Jan 27, 2019, 10:08 am
#5497
Join Date: Jan 2017
Posts: 100
CSR Front:
CSR Back:
CSP:
Not my pics.
CSR Back:
CSP:
Not my pics.
Last edited by EmailKid; Jan 27, 2019 at 4:19 pm Reason: Made pictures visible
Jan 27, 2019, 10:41 am
#5498
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Jan 27, 2019, 12:43 pm
#5499
Join Date: Jul 2011
Posts: 1,138
I called about contactless for my CSR. The rep was knowledgeable enough to recall when Chase had the old Blink contactless. That said, she wasn't completely certain a replacement card prior to expiration would have contactless, but she offered to order it anyway (which I did).
Jan 27, 2019, 3:58 pm
#5500
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,063
Jan 27, 2019, 4:01 pm
#5501
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Jan 27, 2019, 4:52 pm
#5502
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,063
Jan 27, 2019, 7:58 pm
#5503
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,516
Thats my experience. I don’t think Chase is actually issuing non-Contactless versions anymore once they convert the card
Jan 27, 2019, 10:02 pm
#5504
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,063
That's my understanding. The rep that I spoke with tonight indicated that my card was "up for a refresh" this year since I applied in the initial batch of CSR applications in September 2016. The rep also said I would be receiving another card during my normal expiration date. I just checked my Freedom Unlimited and Freedom cards and sure enough their expiration dates are the old dates. I wonder why Chase simply doesn't issue the card with a new expiration date?
Jan 27, 2019, 10:19 pm
#5505
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
That's my understanding. The rep that I spoke with tonight indicated that my card was "up for a refresh" this year since I applied in the initial batch of CSR applications in September 2016. The rep also said I would be receiving another card during my normal expiration date. I just checked my Freedom Unlimited and Freedom cards and sure enough their expiration dates are the old dates. I wonder why Chase simply doesn't issue the card with a new expiration date?