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)
Nov 1, 2017, 7:28 am
#2506
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To your second point, the pumps may have included NFC readers as a standard feature built in.
Nov 1, 2017, 7:32 am
#2507
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Also, I'm pretty sure one of the posters claimed they worked in IT, but I could definitely be remembering it wrong.
Nov 1, 2017, 7:36 am
#2508
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On Reddit? The person could be a liar for all we know. Plus the IT guys aren't exactly high in the company rankings, especially at a warehouse club. Corporate would be the one to call the shot on whether or not the IT department should program and certify NFC readers at the pump.
There is a reason Costco wanted Citi to implement NFC into their credit card... I'm sure that means Costco is planning on rolling out NFC at the register and the pump.
There is a reason Costco wanted Citi to implement NFC into their credit card... I'm sure that means Costco is planning on rolling out NFC at the register and the pump.
Nov 1, 2017, 7:39 am
#2509
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On Reddit? The person could be a liar for all we know. Plus the IT guys aren't exactly high in the company rankings, especially at a warehouse club. Corporate would be the one to call the shot on whether or not the IT department should program and certify NFC readers at the pump.
There is a reason Costco wanted Citi to implement NFC into their credit card... I'm sure that means Costco is planning on rolling out NFC at the register and the pump.
There is a reason Costco wanted Citi to implement NFC into their credit card... I'm sure that means Costco is planning on rolling out NFC at the register and the pump.
BTW I think I have an explanation as to why my iPhone showed no amount when I tapped it with a MC on the Underground. I bought something at a WHSmith's at LHR earlier and used my Diners Club with my phone to pay. This showed the amount while in airplane mode--which makes me think that TfL's readers possibly transmit Ł0.00 to the device for MC (and thus the phone hides the amount from the display). Visa cards show Ł0.01, on the other hand, because Visa doesn't allow Ł0.00.
In short, the amount showing is probably still a valid indicator for EMV contactless support.
Nov 1, 2017, 11:57 am
#2510
Join Date: Jul 2006
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https://www.reddit.com/r/Costco/comm...v2t/?context=3
The poster wasn't specific about in-store versus fuel pumps, but I the original post in the topic implies in-store. That said, if they're installing contactless readers on new pumps, it seems like it's coming to there too.
The Costco in Poway, CA has the new pumps and I've used them. No response from my Wells Fargo Visa with contactless. The last time I was there I actually used an old pump, so they and likely other locations actually have a mix of old and new pumps. Also worth nothing that the gas station at the Costco on Morena Blvd in San Diego (aka Price Club #1 ) is currently closed for remodeling, so it will be interesting to see what changes there.
Nov 1, 2017, 1:59 pm
#2511
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BTW I think I have an explanation as to why my iPhone showed no amount when I tapped it with a MC on the Underground. I bought something at a WHSmith's at LHR earlier and used my Diners Club with my phone to pay. This showed the amount while in airplane mode--which makes me think that TfL's readers possibly transmit Ł0.00 to the device for MC (and thus the phone hides the amount from the display). Visa cards show Ł0.01, on the other hand, because Visa doesn't allow Ł0.00.
Nov 1, 2017, 7:42 pm
#2512
Join Date: Sep 2014
Posts: 1,722
It seems McD's does not support CDCVM on MC(Cap One) via Android Pay so it seems only Visa contactless supports CDCVM there?
Last edited by scibot; Nov 1, 2017 at 7:55 pm
Nov 1, 2017, 8:30 pm
#2513
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Also, take a look at the updated HHonors card designs I got emailed about today. Apparently the new cards will have contactless by default?
Nov 1, 2017, 9:57 pm
#2514
Join Date: Sep 2014
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Or it's not triggered unless the purchase amount is high enough?
Also, take a look at the updated HHonors card designs I got emailed about today. Apparently the new cards will have contactless by default?
Also, take a look at the updated HHonors card designs I got emailed about today. Apparently the new cards will have contactless by default?
Nov 1, 2017, 11:51 pm
#2515
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New Hilton cards look to have standard contactless.
Nov 2, 2017, 2:53 pm
#2516
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I'm thinking that's likely the case. For example, see attached (which was with AP and not the physical contactless card). I'm fairly sure WHSmith has Apple Pay logos on their terminals too, so CDCVM is likely possible.
Nov 3, 2017, 1:04 pm
#2517
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Has anyone noticed that overseas contactless transactions seem to post far more quickly than American ones? (I don't know if what I noticed during my UK trip was just a coincidence or not.)
Nov 3, 2017, 1:14 pm
#2518
Join Date: Oct 2015
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I particularly remember a Safeway in Surrey, BC taking four days, and a Tim Hortons near there taking only a day.
Nov 3, 2017, 1:20 pm
#2519
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As for Canada, I have little experience there but the one transaction I did at YVR while waiting for my connection also posted within 24 hours. (Air Canada's Wi-Fi charge, however, is still pending--but that was through Gogo's website and not contactless.)
Nov 3, 2017, 3:57 pm
#2520
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I just swapped to the Starwood contactless version. Such a pleasure to tap and go at whole foods 