scibot

Same here says Insert, Swipe or tap to pay with the ctls logo.

tmiw

1.5% of all transactions. However, the 80% using mobile devices does seem to imply that a significant number of US residents are using it (vs. mostly foreign visitors). Maybe that will decrease over time as contactless cards become more common.

Also, hopefully the lucky BofA customers take to them quickly because it sounds like there's still a chance they might not bother with rolling them out to everyone.

Tyler2017

Given that Chase and Wells Fargo has rolled out contactless for most of its credit cards, shouldn't everyone who has a credit card from one of those banks in New York be able to tap their card and pay the fare?

paperwastage

1) chase has contactless for most of it's portfolio, but not everyone received contactless cards (you can manually request if you know and want one)

2) contactless only works for pay-per-trip. If you have monthly pass, you still have to use MetroCard

Adelphos

I have new Chase contactless cards and have been using "tap to pay" more often. I've scrolled through this thread a bit. A few basic questions

1) Do you think the increase in contactless cards will also lead to more chip and pin options in the US?
2) Why do people in the thread seem to prefer contactless cards vs mobile devices?

I find that is a tad more time consuming to pull out my wallet, pull out my contactless card then tap the card versus pulling out my phone and "double clicking" to pay (two steps vs one steps)

paperwastage

No, cause
1) people refuse to memorize pin.

​​​​​2) merchants won't enable chip n pin on their terminals (how long did it take to roll out chip terminal, and how long did the chip slot stay dormant before being enabled?)

3) regulation wise, dont see any push to make chip+pin more merchant friendly versus others (eg fraud protection from the merchant perspective)

heck, a lot of merchants run debit cards as signature, to make to hassle free for consumers, don't see them wanting to move to chip n pin (more friction).

Without all this, credit card companies can still rollout chip & pin. Costs money with little upside, doubt it'll happen

If you haven't been at the merchant before, you can't be sure if they support contactless until the time to pay (unless they have stickers with the contactless logo)

tmiw

In addition, Chase hasn't rolled out contactless for debit cards yet, and a lot of people use one as their primary/only card (instead of a credit card).

No. The card networks (Visa in particular) have made it clear that PIN is not the future. They're not going to stop an issuer from offering it, mind you, but there are some obstacles that may preclude it:

• Quick Chip: besides making it practically impossible to push PIN changes in a reliable manner (if offline PIN is supported by the card), it could cause PIN to be asked for with most contactless purchases (even small ones). While one could make the contactless interface signature-preferring, that also provides a way around PIN authentication in the first place--especially as contactless support at merchants becomes more common.
• A fair number of later EMV merchant rollouts don't support PIN at all. This is in large part due to the huge number of chip and signature cards on the market already. There's not much of a point if PIN's simply not going to be asked for most of the time anyway.

It depends. If I'm going to be using a retailer's app (like at 7-Eleven for instance), Google Pay is easier since I already have my phone out. On the other hand, cards can be easier for those cashiers who aren't well trained (but then again, there are a few that won't enable the terminal unless you insert--except if they see you trying to tap a phone).

People already do for debit cards. I don't think this would preclude mandatory PIN for all cards on its own, but they very well may just set all their cards to the same PIN.

The earlier EMV rollouts did enable PIN support. The main issue was (and possibly still is) their insistence on custom software, lengthening certification wait times. Especially when many didn't even start thinking about it until a year before the 2015 liability shift at best.

However, I find that newer businesses and EMV latecomers are far less likely to have PIN enabled, or even the required hardware for it. Granted, a fair number of those are restaurants who likely don't want to bother with something that only a few people would need anyway.

That could be done with chip and signature too if desired. It'd likely piss a whole bunch of people off, though (and send a bunch of people back to using cash again), which is probably why it's unlikely to happen.

Also, I'm not convinced that making customers liable by default is required to make PIN a thing in the first place. Especially when lost/stolen fraud is supposedly too low for banks to justify it.

rasheed

Yeah. Chase Pay QR is not supported in the non-official announced markets (I've tried). Yes, the KP QR code works fine. There is currently no incentive to use it though unless you combine it with the Kroger co-branded payment cards.

It is true that it would be the only way to use a non-SP, contactless method at Kroger stores since they continue to leave the NFC off as discussed.

ecs0013

tmiw

My local Taco Bell has it now too:



EMV contactless and CDCVM per the receipt email:



Not sure how it works in the drive through.

cjw2001

A contactless card will never have a dead battery and leave you stranded in a pay for transit scenario. Phone batteries make that method less reliable.

That said I'll use what's convenient at the time. When I had two contactless cards I just put one on the left side of the wallet and one on the right side, and would just tap the (opened) wallet on the correct side for the desired card without pulling anything out. Now that I've just received my third contactless card from Chase that strategy will only work for one side of the wallet since the other side now has two contactless cards. If the phone is already out and handy and has the desired card pre selected I'll just do that. Just depends on what is handy at the time.

RedLight2015

It works in the drive through as you expect. They handed me a Vx805 out the window instead of an Mx915. It worked great, said POINT on the screen making it quite obvious that Taco Bell is using Verifone Point. IT seems the last two taco bells I have been through were well trained on it. I asked them and they said every employee got an email explaining how the Drive Thru is supposed to work. Taco Bell did it right!

In my opinion they should have just deployed Vx805s everywhere, and ditched the Mx915, but I suppose line item displays in states that require it is an important reason why a lot of fast food went to these overkill terminals.

scibot

I went to the manned register at my TB and despite it saying tap to pay no response from the mx915 but I went self ordering kiosk and it still worked just fine they must have really just had it enabled.

tmiw

Where are line items required by law? Not sure they're required in California anyway considering the number that don't use those for that purpose.

RedLight2015