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)
#6211
Join Date: Apr 2010
Location: SAN
Programs: UA
Posts: 204
My local H&M never did show up in the Google Pay app's nearby stores list after I tapped with my phone. I'm guessing that Google maybe needs multiple people tapping within a certain period of time to add it, or perhaps major retailers need to opt in. (Not sure if other H&M locations are on there.)
#6212
Join Date: Aug 2014
Posts: 49
Someone went poking around in iOS/macOS config files and found some possible evidence of EMV support for Express Transit, the feature that's used on iPhones with Suica that allows transit payments without unlocking or waking your phone and can access reserve battery in the latest model phones to pay for transit if your phone is otherwise out of juice. Apple has talked about Apple Pay and transit systems in the US in 2019 but they haven't made clear if that meant just adding regular old fashioned EMV contactless payments or if they were going to integrate with Express Transit.
It would be nice to eliminate battery anxiety and TouchID/FaceID failures from the transit payment experience.
It would be nice to eliminate battery anxiety and TouchID/FaceID failures from the transit payment experience.
Last edited by Rufferto; May 8, 2019 at 2:32 am Reason: Clarity
#6213
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Someone went poking around in iOS/macOS config files and found some possible evidence of EMV support for Express Transit, the feature that's used on iPhones with Suica that allows transit payments without unlocking or waking your phone and can access reserve battery in the latest model phones to pay for transit if your phone is otherwise out of juice. Apple has talked about Apple Pay and transit systems in the US in 2019 but they haven't made clear if that meant just adding regular old fashioned EMV contactless payments or if they were going to integrate with Express Transit.
It would be nice to eliminate battery anxiety and TouchID/FaceID failures from the transit payment experience.
It would be nice to eliminate battery anxiety and TouchID/FaceID failures from the transit payment experience.
#6214
Join Date: Apr 2014
Location: USA
Posts: 238
I had the food market person on my Eurostar form Brussels to London tell me they don’t accept Apple Pay. They accept contactless but not Apple Pay, because Apple Pay never pays them.
Then asked if I could insert my Citi Prestige, then didn’t ask me to sign. Which adds to the weirdness!
Seems like a case of mistaken understanding on the cashier, but he was adamant.
Then asked if I could insert my Citi Prestige, then didn’t ask me to sign. Which adds to the weirdness!
Seems like a case of mistaken understanding on the cashier, but he was adamant.
#6215
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
I had the food market person on my Eurostar form Brussels to London tell me they don’t accept Apple Pay. They accept contactless but not Apple Pay, because Apple Pay never pays them.
Then asked if I could insert my Citi Prestige, then didn’t ask me to sign. Which adds to the weirdness!
Seems like a case of mistaken understanding on the cashier, but he was adamant.
Then asked if I could insert my Citi Prestige, then didn’t ask me to sign. Which adds to the weirdness!
Seems like a case of mistaken understanding on the cashier, but he was adamant.
#6216
Join Date: May 2013
Location: New York
Programs: UA Silver, Marriott LTPP, Hertz Five Star
Posts: 1,079
It's disappointing to me as the app works okay, but it's not as easy as just holding up a card/device to a contactless reader. It's convenient that I can authorize the pump before exiting my car in cold/hot weather but it's not as fast and requires me to maintain another app/account with payment information.
#6217
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
ExxonMobil seems to be doing anything they can to avoid retrofit of contactless readers from what I see, even as pumps get replaced. They allowed Plenti (before ExxonMobil rewards) to be attached to the physical speedpass keytag, but not all pumps supported it, and now with the new ExxonMobil rewards you either have to physically swipe the card to get rewards (the reward card) or use the Speedpass+ app - which they've put additional Support on Sync3 and Apple watch for as well).
It's disappointing to me as the app works okay, but it's not as easy as just holding up a card/device to a contactless reader. It's convenient that I can authorize the pump before exiting my car in cold/hot weather but it's not as fast and requires me to maintain another app/account with payment information.
It's disappointing to me as the app works okay, but it's not as easy as just holding up a card/device to a contactless reader. It's convenient that I can authorize the pump before exiting my car in cold/hot weather but it's not as fast and requires me to maintain another app/account with payment information.
Meanwhile, companies like Arco and Shell likely mandated contactless from the start, so that's what happened when it came time to replace pumps/readers.
#6218
Join Date: Oct 2007
Programs: AA, WN, UA, Bonvoy, Hertz
Posts: 2,491
The marketing indicates that when a franchisee does EMV chip, might as well add contactless.
https://www.globenewswire.com/news-r...Retailers.html
#6219
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
And likewise, it seems to me that Chevron Texaco is mandating at least the EMV chip at the pump (looks like 2020 for EMV chip). Some stations can retrofit their pump add EMV and contactless from what I notice and others have to do a full replace. Still many stations have not added EMV (only magnetic strip). Even Safeway has added EMV chip to its pumps. This is as I use the Chevron Texaco 10% Amex Offer program with my tap card.
The marketing indicates that when a franchisee does EMV chip, might as well add contactless.
https://www.globenewswire.com/news-r...Retailers.html
The marketing indicates that when a franchisee does EMV chip, might as well add contactless.
https://www.globenewswire.com/news-r...Retailers.html
That said, it's probably a good idea to include it if you're already replacing stuff. But considering how tight margins are in the industry, I'm not surprised some are opting out.
#6220
Join Date: Sep 2014
Posts: 1,723
Little Caesars now supports EMV contactless with Verifone Point which shouldn't surprise anyone with that Visa mandate.
#6221
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Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
#6222
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Raising Cane's here seems to have gone to Lane/3000s (from iPP350s, and before that VX820s). Still no EMV or contactless but the logo is printed on the outside of the device. Same FreedomPay UI as well, at least from my side since they're still not customer facing. Not sure what's going on there.
#6223
FlyerTalk Evangelist
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Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
BTW, no EMV/contactless at Panera's kiosks yet either. The PIN pads do say "swipe card to log in" though--even after reaching the payment screen--so there are likely kinks left to work out.
EDIT: oh yeah, contactless is now mentioned on the Citi Rewards+ page that you can get to directly from their homepage. I don't see mentions for any other non-Costco cards yet (nor can I find any sort of FAQ). Maybe someone else will have better luck with the latter.
EDIT: oh yeah, contactless is now mentioned on the Citi Rewards+ page that you can get to directly from their homepage. I don't see mentions for any other non-Costco cards yet (nor can I find any sort of FAQ). Maybe someone else will have better luck with the latter.
Last edited by tmiw; May 10, 2019 at 4:12 pm
#6224
Join Date: Sep 2008
Location: Long Island, NY
Programs: Marriott Titanium Elite/Lifetime Titanium, Delta Platinum Medallion, Hertz #1 Gold
Posts: 722
Don't think anyone else mentioned it, but Taco Bell's here in NY appear to have enabled contactless within the last week. Looks like it's EMV by the receipt I got.
#6225
Join Date: Apr 2010
Location: SAN
Programs: UA
Posts: 204
Raising Cane's here seems to have gone to Lane/3000s (from iPP350s, and before that VX820s). Still no EMV or contactless but the logo is printed on the outside of the device. Same FreedomPay UI as well, at least from my side since they're still not customer facing. Not sure what's going on there.
BTW, no EMV/contactless at Panera's kiosks yet either. The PIN pads do say "swipe card to log in" though--even after reaching the payment screen--so there are likely kinks left to work out.
EDIT: oh yeah, contactless is now mentioned on the Citi Rewards+ page that you can get to directly from their homepage. I don't see mentions for any other non-Costco cards yet (nor can I find any sort of FAQ). Maybe someone else will have better luck with the latter.
EDIT: oh yeah, contactless is now mentioned on the Citi Rewards+ page that you can get to directly from their homepage. I don't see mentions for any other non-Costco cards yet (nor can I find any sort of FAQ). Maybe someone else will have better luck with the latter.