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)
Feb 4, 2019, 9:57 pm
#5581
Join Date: Jul 2012
Location: RDU
Programs: DL(PM), UA(Silver), AA(EXP) Marriott(Ti), HH(Gold), Hertz(PC)
Posts: 2,669
Feb 4, 2019, 11:27 pm
#5582
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
My local Target now shows up on my Google Pay nearby stores list. So basically about a five day lead time from when someone uses it until it shows up--unless of course it was enabled sooner than the 30th.
That said, I'm not sure usage of Google Pay is the only source of data for it. For instance, the Shake Shacks here have shown up for a while but I have yet to see any of the Square stuff they've been using elsewhere.
That said, I'm not sure usage of Google Pay is the only source of data for it. For instance, the Shake Shacks here have shown up for a while but I have yet to see any of the Square stuff they've been using elsewhere.
Feb 5, 2019, 10:56 am
#5583
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
My local Target now shows up on my Google Pay nearby stores list. So basically about a five day lead time from when someone uses it until it shows up--unless of course it was enabled sooner than the 30th.
That said, I'm not sure usage of Google Pay is the only source of data for it. For instance, the Shake Shacks here have shown up for a while but I have yet to see any of the Square stuff they've been using elsewhere.
That said, I'm not sure usage of Google Pay is the only source of data for it. For instance, the Shake Shacks here have shown up for a while but I have yet to see any of the Square stuff they've been using elsewhere.
Feb 5, 2019, 1:00 pm
#5584
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Feb 5, 2019, 1:37 pm
#5585
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Blaze Pizza installed MX915s since I was last here. Everything is enabled with default NCR software. I'm guessing MSD only since I was asked for tip after tapping (plus lack of EMV info on the receipt).
Feb 5, 2019, 5:35 pm
#5586
Join Date: Apr 2014
Location: NUE
Programs: BAEC Silver, FB Gold, HHonors Gold, IHG Platinum, SK Diamond, ITA Volare Club Executive, TK Elite
Posts: 365
Today two Apple Pay (german Mastercard) transaction were declined. Chip + PIN worked. 
first transaction was about $14 at a Boston museum store. Second transaction was $35 at The North Face store. Both merchants use the MX900 series.
Same card works just fine with Apple Pay at Five Guys, Trader Joe‘s and Walgreens eg.
first transaction was about $14 at a Boston museum store. Second transaction was $35 at The North Face store. Both merchants use the MX900 series. Same card works just fine with Apple Pay at Five Guys, Trader Joe‘s and Walgreens eg.
Feb 5, 2019, 10:45 pm
#5587
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Today two Apple Pay (german Mastercard) transaction were declined. Chip + PIN worked. first transaction was about $14 at a Boston museum store. Second transaction was $35 at The North Face store. Both merchants use the MX900 series.
Same card works just fine with Apple Pay at Five Guys, Trader Joe‘s and Walgreens eg.
first transaction was about $14 at a Boston museum store. Second transaction was $35 at The North Face store. Both merchants use the MX900 series.Same card works just fine with Apple Pay at Five Guys, Trader Joe‘s and Walgreens eg.
Feb 6, 2019, 7:01 pm
#5588
Join Date: Jul 2012
Location: Canada
Programs: BA Gold (OWE), Star Alliance Gold, Hilton Diamond
Posts: 2,194
Feb 7, 2019, 2:35 pm
#5589
Join Date: Sep 2014
Posts: 1,723
Well Panda Express is rolling out contactless and EMV into all location here is the twitter message:
Feb 7, 2019, 5:22 pm
#5590
Join Date: Apr 2010
Location: SAN
Programs: UA
Posts: 204
Well Panda Express is rolling out contactless and EMV into all location here is the twitter message: https://twitter.com/PandaExpress/sta...36829688168451
Also was at a Shell station today and noticed EMV inside. Nice! Hope they update their pumps soon.
Feb 7, 2019, 5:44 pm
#5591
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Also, Shell's actually done EMV inside for a while (and contactless a bit more recently). I remember reading something about their timeline for outdoor enablement but I don't recall what dates they were thinking at the moment.
Feb 7, 2019, 6:39 pm
#5592
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
I noticed a Panda Express here with everything enabled a while ago but no movement since. My suspicion was that they're only upgrading the high-fraud locations and leaving the others as magstripe-only; we'll see if there's actual movement or if they're still continuing that strategy.
Also, Shell's actually done EMV inside for a while (and contactless a bit more recently). I remember reading something about their timeline for outdoor enablement but I don't recall what dates they were thinking at the moment.
Also, Shell's actually done EMV inside for a while (and contactless a bit more recently). I remember reading something about their timeline for outdoor enablement but I don't recall what dates they were thinking at the moment.
Feb 7, 2019, 7:40 pm
#5593
Join Date: Apr 2017
Posts: 150
Maybe the "testing" they chose to do was only at high fraud locations. Now that "testing" is complete, we are seeing a more vast rollout, especially with people taking to twitter wanting Apple Pay. I am happy that people are wanting Apple Pay. More people should want Apple Pay.
Feb 7, 2019, 10:25 pm
#5594
Join Date: Mar 2011
Location: Window Seat
Programs: National Executive, HHonors Gold, IHG Platinum, Hyatt Visitor
Posts: 2,495
Actually, I think it is too early to conclude that the testing phase for EMV was a success. They should have delayed the roll out of EMV to the rest of their locations for at least another year or two until they can demonstrate that their payment interfaces are bug free, and that contactless can be processed as EMV rather than MSD.
Yet another Panda opened a month or so after Kietzke got MX915s and is swipe only... so who knows what they are doing.
Feb 8, 2019, 9:10 am
#5595
Join Date: Aug 2018
Location: SEA/ATL
Posts: 61
My local Safeway in the Seattle area now has EMV contactless. The pinpad at the self-checkout had the four dots throughout the entire transaction.
