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)
Mar 28, 2019, 10:26 am
#5911
Join Date: Aug 2014
Posts: 49
The current schedule has "eTix 2.0" launching in 2021 alongside the new OMNY contactless card with full phaseout of the LIRR/MNR ticketing systems in 2023. I'm guessing this app and card will talk to the same backend and eventually the railroad conductors will get contactless readers? A few months ago I found a doc on the MTA's website with more schedule and implementation details but I can't find it now.
Mar 28, 2019, 4:01 pm
#5912
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
So the Prestige and the AA Executive aren't good cards?
Mar 28, 2019, 6:39 pm
#5913
FlyerTalk Evangelist
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Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Mar 29, 2019, 7:12 pm
#5915
FlyerTalk Evangelist
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Location: San Diego, CA
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I found a Taco Bell in my county on the MC map just now. Might be worth a visit in a bit since I haven't had dinner yet. If I do, I'll update with more details.
EDIT: insert/swipe only on the self order kiosks though I don't expect anything different at the manned registers.
EDIT: insert/swipe only on the self order kiosks though I don't expect anything different at the manned registers.
Last edited by tmiw; Mar 29, 2019 at 9:34 pm
Mar 30, 2019, 12:21 am
#5916
Join Date: Mar 2011
Location: Window Seat
Programs: National Executive, HHonors Gold, IHG Platinum, Hyatt Visitor
Posts: 2,495
I found a Taco Bell in my county on the MC map just now. Might be worth a visit in a bit since I haven't had dinner yet. If I do, I'll update with more details.
EDIT: insert/swipe only on the self order kiosks though I don't expect anything different at the manned registers.
EDIT: insert/swipe only on the self order kiosks though I don't expect anything different at the manned registers.
Mar 30, 2019, 6:13 pm
#5917
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Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
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Perhaps it's left over from when Taco Bell supposedly enabled contactless at the same time as EMV at a few locations? Hopefully they actually enable it again soon.
Mar 30, 2019, 6:17 pm
#5918
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Turns out the Salvation Army stores do support everything and not just swipe/EMV. Unfortunately, it declined when I tapped my Diners Club MC (and actually sent out for authorization, too; I got the account alert text from BMO Harris a short time later). I didn't try Google Pay but the cashier told me that he "uses it with his phone all the time".
The weird thing is that the MX915 was running Elavon software. Until today I've never had problems with their stuff, at least when using a phone. (Last time I checked with a Costco Visa and one of their iSC250s, it rejected the read--but that's not surprising since the card has no MSD support.)
Anyway, I'll update the EMV map to reflect that they actually do support contactless.
BTW the declined receipt that they gave me has no EMV info on it. Is that normal? Assuming they actually do support EMV contactless, of course.
The weird thing is that the MX915 was running Elavon software. Until today I've never had problems with their stuff, at least when using a phone. (Last time I checked with a Costco Visa and one of their iSC250s, it rejected the read--but that's not surprising since the card has no MSD support.)
Anyway, I'll update the EMV map to reflect that they actually do support contactless.
BTW the declined receipt that they gave me has no EMV info on it. Is that normal? Assuming they actually do support EMV contactless, of course.
Mar 31, 2019, 2:38 pm
#5919
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
When will Bank of America start issuing contactless cards? They should be on par with Chase when it comes to technology.
Mar 31, 2019, 4:34 pm
#5920
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Location: Miami, Mpls & London
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Looks as if this is as of February 2019:
https://www.creditcards.com/credit-c...-us-market.php
Bank of America:
A representative for Bank of America confirmed that the issuer does not offer contactless cards.
A representative for Bank of America confirmed that the issuer does not offer contactless cards.
Mar 31, 2019, 5:01 pm
#5921
Join Date: Apr 2010
Location: SAN
Programs: UA
Posts: 204
Also Google pay worked at Vons today too.
Mar 31, 2019, 5:02 pm
#5922
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
BTW BofA offers contactless for corporate cards already but apparently only outside the US.
Mar 31, 2019, 5:26 pm
#5923
Join Date: Jan 2014
Posts: 451
Had an annoying experience with PA state alcohol store. They have new terminals, which are annoying to use - ingenico that look cumbersome. But anyway, before anything, you are instructed to hit "red for credit and green for debit", then amount displayed shows up, you have to hit "green" and only then "Insert/Tap/Swipe" pops up. Tried tapping my Chase Freedom card, said "ICC error. Insert chip". Went through on chip only. Attempted to do it for another transaction with Google Pay and it worked fine. Clerk said "Apple pay has been working but other things not so much".
Mar 31, 2019, 5:29 pm
#5924
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My thinking is that if Bank of America had something to announce in February the spokesperson would have mentioned it when responding to that question. This will change in due course.