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 Annes 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)
Dec 18, 2021, 12:38 pm
#9692
FlyerTalk Evangelist
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Sur la Table has them, too. I think it's good that they're becoming more common, honestly, as it might make Verifone step up their game (though so far, their newest ones don't seem too bad in terms of bugs).
Dec 18, 2021, 2:21 pm
#9693
Join Date: Oct 2014
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Posts: 3,251
I love it when I hear cashiers tell their customers to tap now rather than insert.
Dec 19, 2021, 11:18 am
#9694
Join Date: Jul 2009
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I tried Google Pay on a Samsung Galaxy Watch4 at Men's Wearhouse with a Lane 7000 terminal. It beeped but did not accept the payment. I used contactless on the actual card without an issue (Chase Freedom Unlimited).
I also tested using my watch at a Wells Fargo ATM without an issue.
I also tested using my watch at a Wells Fargo ATM without an issue.
Dec 27, 2021, 9:09 am
#9695
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Speaking of Wendy's, we stopped at one inside of a Pilot yesterday and it looks like Wendy's is switching to Lane/3000s. Still insert/swipe only, though, but I'm sure that'll eventually change.
Also, I guess either the ones inside Pilots stopped using Pilot's POS system or only some ever did?
Also, I guess either the ones inside Pilots stopped using Pilot's POS system or only some ever did?
Dec 29, 2021, 2:14 pm
#9696
Join Date: Jan 2005
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Wendy's might have had a change of heart with regard to contactless:
https://twitter.com/reverant_roman/s...g-to-wendys%2F
No idea how soon that'll actually happen. Maybe they're in the process of swapping out their terminals/POSes?
https://twitter.com/reverant_roman/s...g-to-wendys%2F
No idea how soon that'll actually happen. Maybe they're in the process of swapping out their terminals/POSes?
Jan 8, 2022, 9:03 pm
#9698
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Discussion continues here: https://www.flyertalk.com/forum/cred...artphones.html
Last edited by mia; Jan 8, 2022 at 9:09 pm