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)
Jan 5, 2017, 4:40 pm
#76
Join Date: Oct 2015
Location: Northern Virginia
Posts: 1,592
I went to an indie bookstore today. They had a Vx 520, and a Vx 820 on a customer-facing stand. I had to sign the merchant slip with Visa Credit and I'm not sure if it's EMV w/o CDCVM/CVM waiver or if it's MSD, given the cashier got pissy when I asked for a printout of the customer charge slip.
Jan 5, 2017, 7:18 pm
#77
Join Date: Mar 2011
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I believe they have gotten their own Credit processing arrangement at that station rather than process Credit through the main cash register. I know of one Arco in Gardnerville, NV that takes Credit with a 3% surcharge (ouch) and you have to go inside. This is not advertised anywhere, it is just something some people know about. They process credit via a stand alone Verifone terminal (does not have EMV or NFC). It isn't so bad when you buy a drink inside for $1 and they surcharge you 3 cents... never had to show ID there though, and no signature under $25.
Jan 5, 2017, 7:41 pm
#78
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What is the address of this Arco station with the ID Required signage?
I believe they have gotten their own Credit processing arrangement at that station rather than process Credit through the main cash register. I know of one Arco in Gardnerville, NV that takes Credit with a 3% surcharge (ouch) and you have to go inside. This is not advertised anywhere, it is just something some people know about. They process credit via a stand alone Verifone terminal (does not have EMV or NFC). It isn't so bad when you buy a drink inside for $1 and they surcharge you 3 cents... never had to show ID there though, and no signature under $25.
I believe they have gotten their own Credit processing arrangement at that station rather than process Credit through the main cash register. I know of one Arco in Gardnerville, NV that takes Credit with a 3% surcharge (ouch) and you have to go inside. This is not advertised anywhere, it is just something some people know about. They process credit via a stand alone Verifone terminal (does not have EMV or NFC). It isn't so bad when you buy a drink inside for $1 and they surcharge you 3 cents... never had to show ID there though, and no signature under $25.
Jan 6, 2017, 1:46 pm
#79
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Fuddruckers seems to have switched to Verifone Point as well. Probably not a surprise considering they seem to use the exact same POS as Rubio's. Still no EMV though.
Jan 6, 2017, 2:06 pm
#80
Join Date: Oct 2011
Posts: 266
I went to Family Dollar earlier.
Double fail for Android Pay and Samsung Pay.
When I tapped, the terminal said no card present. Clerk started laughing (in annoyance wit the machine not me) cause when I walked in, someone had the machine "beeping" over and over with their card.
I tried Samsung Pay but the pin option would not work. I was just annoyed so I pulled out my card since the line was semi long and checked out.
I'm ready for a S8 at this point.
Double fail for Android Pay and Samsung Pay.
When I tapped, the terminal said no card present. Clerk started laughing (in annoyance wit the machine not me) cause when I walked in, someone had the machine "beeping" over and over with their card.
I tried Samsung Pay but the pin option would not work. I was just annoyed so I pulled out my card since the line was semi long and checked out.
I'm ready for a S8 at this point.
Jan 6, 2017, 2:17 pm
#81
Join Date: Apr 2015
Posts: 489
I went to Family Dollar earlier.
Double fail for Android Pay and Samsung Pay.
When I tapped, the terminal said no card present. Clerk started laughing (in annoyance wit the machine not me) cause when I walked in, someone had the machine "beeping" over and over with their card.
I tried Samsung Pay but the pin option would not work. I was just annoyed so I pulled out my card since the line was semi long and checked out.
I'm ready for a S8 at this point.
Double fail for Android Pay and Samsung Pay.
When I tapped, the terminal said no card present. Clerk started laughing (in annoyance wit the machine not me) cause when I walked in, someone had the machine "beeping" over and over with their card.
I tried Samsung Pay but the pin option would not work. I was just annoyed so I pulled out my card since the line was semi long and checked out.
I'm ready for a S8 at this point.
Jan 6, 2017, 3:09 pm
#82
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When do you expect S8 out - March? I don't have too many issues with SP on my S6.
Jan 6, 2017, 5:45 pm
#83
Join Date: Oct 2011
Posts: 266
I think, April is the estimate now.
Jan 7, 2017, 8:17 pm
#84
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Location: San Diego, CA
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Speaking of the Gear, Samsung released an iOS app for it today. The stuff on the tech blogs didn't seem to mention Samsung Pay support at all though. Maybe that's something that's reserved for Android devices?
Jan 7, 2017, 8:23 pm
#85
Join Date: Apr 2015
Posts: 489
I would imagine support is coming soon. It was the same thing for non samsung android phones origonally too.
Jan 7, 2017, 8:25 pm
#86
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On the other hand, Apple did reject the Samsung Pay Mini app...
Jan 7, 2017, 11:23 pm
#87
Join Date: Oct 2015
Location: Northern Virginia
Posts: 1,592
I had dinner at Founding Farmers just a few hours ago. They allegedly have Apple Pay per Apple Maps, but I saw no cordless terminals. I saw Vx 820s attached to NCR POSes at the server stations (same as Dunkin), and they were still swipe only. Contactless may have been enabled (especially for the coffee bar downstairs), but I didn't bother asking them about it. Receipts look the same as Johnny Rockets, who also use the same POS hardware vendor (Radiant-branded).
Jan 8, 2017, 12:24 am
#88
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,060
ABC Stores in Hawaii are now EMV enabled and advertise NFC payments. (No data points on the ones in Guam or Saipan as I haven't been there in 2 years.)
Jan 8, 2017, 12:36 am
#89
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Apparently there are some on the mainland too (Las Vegas to be exact). I've always thought they were a Hawaii-only chain.