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)
#9257
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
I have not visited my local Giant gas station for a while, but was a little surprised to see that they not only have EMV not, but also contactless. Their gas stations always seemed a little dated and like an afterthought to their supermarket, but probably worried about the liability shift. They even advertise it on their big contactless pad!
#9258
Join Date: Sep 2014
Posts: 1,722
I have not visited my local Giant gas station for a while, but was a little surprised to see that they not only have EMV not, but also contactless. Their gas stations always seemed a little dated and like an afterthought to their supermarket, but probably worried about the liability shift. They even advertise it on their big contactless pad!
Here's the receipt:
Here's the receipt:
#9259
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
Well Murphy Express uses Wayne pumps and EMV contactless is enabled at the pumps. So yeah I'm sure its coming soon as the lack of EMV contactless is obviously the hold up for Safeway. But they were one of the first to get EMV contact so you'd expect them to be the first to get EMV contactless at the pump but that is not the case.
#9260
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
Looks like Whole Foods is getting the palm scanners too (well, one Seattle location, anyway): https://www.theverge.com/2021/4/21/2...-foods-seattle
It doesn't sound like Amazon is going to disable contactless there but the article isn't 100% definitive on that.
It doesn't sound like Amazon is going to disable contactless there but the article isn't 100% definitive on that.
#9261
Join Date: Sep 2014
Posts: 1,722
Well it seems that Shake Shack has finally added Ingenico Lane/3000 pinpads to manned registers. So not only the self ordering kiosks will have contactless support.
Here is a picture I found from less than a month ago:
Here is a picture I found from less than a month ago:
#9262
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
I was about to post about this because I did notice the Ingenicos at my shake shacks too. It took them long enough, I guess they kind of gave up on adding kiosks to the ones that don’t have it. Oh well at least it finally has contactless!
#9263
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
Its stupid technology for the sake of technology. You know what’s just as fast? Scanning the NFC of my Apple Watch. The palm scanning part sure may be high tech, but the payment part is low tech as ever, stored credit card numbers. It’s no more secure than Walmart Pay or Amazon Prime Pay as is.
#9264
Join Date: Jul 2011
Posts: 1,133
Used NFC for the first time at a Doubletree hotel this week. The green light was lit on the Ingenico terminal and the screen prompted tapping as well. Front desk clerk was very excited and said they had just turned the feature on the prior week. She was looking forward to getting a contactless card.
#9265
FlyerTalk Evangelist
Join Date: Aug 2001
Location: RSW
Programs: Delta - Silver; UA - Silver; HHonors - Diamond; IHG - Spire Ambassador; Marriott Bonvoy - Titanium
Posts: 14,185
Used NFC for the first time at a Doubletree hotel this week. The green light was lit on the Ingenico terminal and the screen prompted tapping as well. Front desk clerk was very excited and said they had just turned the feature on the prior week. She was looking forward to getting a contactless card.
#9266
Join Date: Sep 2014
Posts: 1,722
Was contactless enabled? As Shake Shack just told me is that its FreedomPay just like Raising Canes Lane/3000s but contactless such as Apple Pay or Google Pay isn't currently supported. I'm sure that will be changing at some point as Canes has it.
#9269
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,060
I am in Asheville, NC, and a local BBQ place handed me a wireless terminal and said that I could tap or insert the card. Increasingly places are being proactive about contactless payments.