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)
#2551
Join Date: Jul 2012
Location: Canada
Programs: BA Gold (OWE), Star Alliance Gold, Hilton Diamond
Posts: 2,194
+ In the countries like Canada, Australia, New Zealand and Poland (and almost the UK), pretty much every card is contactless, so its presumed to be contactless.
#2552
Join Date: Nov 2012
Posts: 3,537
I've seen other UK cards with it (non-Amex) on the back recently.
#2553
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
You people literally took my praise for how much I liked the re-design of the new Hilton cards and turned it into a negative conversation.
#2554
Join Date: Nov 2012
Posts: 3,537
Also, from the pictures it looks like the new Hilton Amex in the US will be the same - contactless logo on the back, but a miniature version printed alongside the security code. This is *not* the official EMVco contactless logo which has a very specific size.
#2555
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,505
Has anyone actually confirmed this via cardpeek? It could be possible that the normal verification checks were drastically relaxed for US transactions instead; I forget if the previous failures were getting to the issuer verification stage or not, though.
My Diners Club MC has had the old PayPass logo on the back ever since I first got the card. However, it's still possible that the "current" branding was only allowed on the front until recently.
My Diners Club MC has had the old PayPass logo on the back ever since I first got the card. However, it's still possible that the "current" branding was only allowed on the front until recently.
#2556
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
I did no such thing, nothing negative or positive about what I said, just fact.
Also, from the pictures it looks like the new Hilton Amex in the US will be the same - contactless logo on the back, but a miniature version printed alongside the security code. This is *not* the official EMVco contactless logo which has a very specific size.
Also, from the pictures it looks like the new Hilton Amex in the US will be the same - contactless logo on the back, but a miniature version printed alongside the security code. This is *not* the official EMVco contactless logo which has a very specific size.
#2557
Suspended
Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
Saw an update to the iOS Chipotle app. that it will support Apple Pay.
But the actual restaurants around here still swipe.
But the actual restaurants around here still swipe.
#2558
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,505
#2559
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Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
No idea.
Just grateful they updated their app. which I use all the time. It beats waiting in line.
Just grateful they updated their app. which I use all the time. It beats waiting in line.
#2560
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,505
Something else I've noticed is that people in the US seem to use manned checkouts more often than self-checkouts when both options are available. I'm not sure why that is though. (Meanwhile, self-checkout seems to be the default used by people in e.g. the UK, with the manned stations only being used for age-restricted items or paying in cash.)
#2561
Join Date: Jun 2012
Location: New England
Programs: American Gold, Marriott Gold, Hilton Silver
Posts: 5,638
Self checkouts are slower by design and because the people using them can be slow (ie not following directions)
I worked as a self checkout clerk when I was in high school and to this day, I would never stand in line for a self checkout unless there's no other option. I'd only use one if there's no line because a regular cashier is always faster.
I worked as a self checkout clerk when I was in high school and to this day, I would never stand in line for a self checkout unless there's no other option. I'd only use one if there's no line because a regular cashier is always faster.
#2562
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Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
Self checkouts are slower by design and because the people using them can be slow (ie not following directions)
I worked as a self checkout clerk when I was in high school and to this day, I would never stand in line for a self checkout unless there's no other option. I'd only use one if there's no line because a regular cashier is always faster.
I worked as a self checkout clerk when I was in high school and to this day, I would never stand in line for a self checkout unless there's no other option. I'd only use one if there's no line because a regular cashier is always faster.
There was a queue of 3-4 people waiting for self-checkout while one of the manned checkout lanes had only 2 people.
I wanted to use manned checkout anyways because I've only been able to use contactless at this Safeway only in the manned checkout, not the self-checkout.
But on this occasion, manned checkout terminal didn't bring up Apple Pay so I had to use my card.
Then I walked across to the in-store Starbucks, which was like 15 feet from the checkout I went through and paid there with Apple Pay. Same terminal (I had to key in the number for my Safeway card, though I don't know why I bothered since there was no discount to be had for Starbucks coffee) and Apple Pay came up fine.
#2563
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Location: Bay Area
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Posts: 12,729
Makes me wonder how common order ahead/mobile checkout is going to be by the time contactless in the US approaches anything like the UK, Canada, etc. I currently don't use it that often at places like Panera that already do it, but maybe that'll end up changing eventually.
Something else I've noticed is that people in the US seem to use manned checkouts more often than self-checkouts when both options are available. I'm not sure why that is though. (Meanwhile, self-checkout seems to be the default used by people in e.g. the UK, with the manned stations only being used for age-restricted items or paying in cash.)
Something else I've noticed is that people in the US seem to use manned checkouts more often than self-checkouts when both options are available. I'm not sure why that is though. (Meanwhile, self-checkout seems to be the default used by people in e.g. the UK, with the manned stations only being used for age-restricted items or paying in cash.)
So I got into the habit of using the app. (and a few years ago, they even ran a promotion where if you used the app., your order was free).
Not only is there no waiting, you can save your customizations and you don't have to tell them what you want.
But on Halloween, they took their app. and online ordering offline. They were running a promotion where if you wore a costume, all orders were $3 each. I wasn't wearing a costume but they gave me the $3 price, though I had to go through the queue because the app. wasn't online.
But you could put extras like guacamole and queso and they didn't charge extra, just $3 plus tax.
#2564
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,056
I just came back from Safeway.
I wanted to use manned checkout anyways because I've only been able to use contactless at this Safeway only in the manned checkout, not the self-checkout.
But on this occasion, manned checkout terminal didn't bring up Apple Pay so I had to use my card.
I wanted to use manned checkout anyways because I've only been able to use contactless at this Safeway only in the manned checkout, not the self-checkout.
But on this occasion, manned checkout terminal didn't bring up Apple Pay so I had to use my card.
Also, the self-checkout lanes there are much slower because every single item results in the "unexpected item in bagging area" or "please wait while we verify your bags". Mrs. Majuki and I always go through the manned lanes there since it's much faster.
#2565
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Yeah that one.
It's kind of hit and miss and they don't advertise any kind of contactless support.
Looks like the POS is the same ones they've had all along since the store opened a couple of years ago but must have done a software update to enable contactless.
But the display doesn't show contactless logo nor is there any kind of signage.
It's kind of hit and miss and they don't advertise any kind of contactless support.
Looks like the POS is the same ones they've had all along since the store opened a couple of years ago but must have done a software update to enable contactless.
But the display doesn't show contactless logo nor is there any kind of signage.