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)
Apr 23, 2021, 6:27 pm
#9272
Join Date: Jan 2019
Location: Livonia, MI
Posts: 197
There seem to be a lot of glitches at various places. Mastercard contactless still doesn't work at 5 Guys, either tapping a card or Google Pay. This is a longstanding issue with them. Visa works fine, though.
Apr 23, 2021, 9:39 pm
#9273
Join Date: Nov 2015
Location: ORD
Posts: 35
I live near a local Mobil branded gas station that has had contactless enabled for years with ISC 250s. Always declines with my Mastercard whether its physical contactless card or Apple Pay.
Last edited by jmmccarthy2002; Apr 25, 2021 at 6:56 am
Apr 30, 2021, 11:06 am
#9274
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
I got a "chip read error" this morning at Panera while tapping my physical Chase Sapphire Reserve card. Inserting worked fine, though (and resulted in an immediate "remove card", making it possibly the fastest Quick Chip implementation I've seen). I'll have to go back to be sure it's Quick Chip now, however.
Apr 30, 2021, 5:36 pm
#9275
Join Date: Jul 2011
Posts: 1,133
I haven't visited a Wawa or Sheetz for gas in a long time, but I stumbled upon two in my area and they both have their contactless turned off. I seem to remember they did that last year when they went to EMV at the pump... it's a bit crazy that they didn't seem to have bothered to turn contactless back on. Unless it was just a freak incident that both of them, next to each other, were not using it.
Apr 30, 2021, 5:38 pm
#9276
Join Date: Jul 2011
Posts: 1,133
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.
Very nice! So GetGo who is owned by Giant Eagle is doing this: https://csnews.com/getgo-enhances-cu...emv-compliance which are these: https://www.invenco.com/s/products/g...TD2RAS3KBRMU24 and https://www.invenco.com/s/products/g...w000000cFoaEAE (modular) while Giant uses Wayne readers. I doubt they would rip out the Wayne readers and add the Invenco readers.
Very nice! So GetGo who is owned by Giant Eagle is doing this: https://csnews.com/getgo-enhances-cu...emv-compliance which are these: https://www.invenco.com/s/products/g...TD2RAS3KBRMU24 and https://www.invenco.com/s/products/g...w000000cFoaEAE (modular) while Giant uses Wayne readers. I doubt they would rip out the Wayne readers and add the Invenco readers.
May 2, 2021, 10:46 am
#9277
Join Date: Sep 2014
Posts: 1,722
Well I found a QuikTrip with contactless & EMV enabled at the pump but the bad news is that it forces pin on debit cards via mobile pay and its a bit sluggish to read contactless. If you try to bypass the pin it goes back to the pin prompt. Inside the Lane/7000s inside are really fast though and they live up the being quick. At the pump it doesn't at all and its odd as everyone else pretty much allow pin bypass at the pump. Maybe they need to do some optimizations at the pump.
GNC also changed their pos system and it now allows pin bypass but prompts for a zip code if you do that.. It also has animations with different sounds for different networks and different logo's after it has been approved.
GNC also changed their pos system and it now allows pin bypass but prompts for a zip code if you do that.. It also has animations with different sounds for different networks and different logo's after it has been approved.
Last edited by scibot; May 2, 2021 at 12:23 pm
May 4, 2021, 9:37 pm
#9278
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
EDIT: just got the email from the CU. Looks like it was run as debit after all (or we had good timing and McDonald's captured their transactions not too long after we left).
Last edited by tmiw; May 4, 2021 at 9:45 pm
May 5, 2021, 12:57 pm
#9279
Join Date: Sep 2014
Posts: 1,722
I ended up trying that problematic card at McDonald's today and it looks like the card works there now (run as MC apparently since I didn't immediately get a notification from the issuing CU). I'm not sure whether McDonald's did something or the CU did, though.
EDIT: just got the email from the CU. Looks like it was run as debit after all (or we had good timing and McDonald's captured their transactions not too long after we left).
EDIT: just got the email from the CU. Looks like it was run as debit after all (or we had good timing and McDonald's captured their transactions not too long after we left).
May 5, 2021, 2:48 pm
#9280
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
I checked the Starbucks inside one of the area Marriotts again this morning and noticed that the MagTek reader had the contactless light turned on until the cashier actually enabled the terminal (then it became swipe only).
Also, I think I saw an Arco with outdoor EMV and without the new "standard" setup few days ago. I'll have to figure out where that one is again and visit before it gets switched over (assuming there are any plans to do so).
Also, I think I saw an Arco with outdoor EMV and without the new "standard" setup few days ago. I'll have to figure out where that one is again and visit before it gets switched over (assuming there are any plans to do so).
May 14, 2021, 8:45 am
#9281
Join Date: Sep 2014
Posts: 1,722
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.
May 14, 2021, 10:19 am
#9282
Join Date: Oct 2004
Location: Indianapolis area
Programs: Marriott Lifetime Titanium
Posts: 436
Went to Costco for gas today and the pump was fully enabled for tap to pay - including membership number via the Costco Anywhere Visa card. Only gotcha for tap was that it assumed you wanted to pay with the same card. Had to cancel the transaction then insert the Costco Visa card to pick up membership number, then select the option to pay with a different card (5% back this month on Chase Freedom Visa). Was then able to tap to pay with the Chase Freedom card. Payment was processed as EMV contactless.
May 14, 2021, 3:25 pm
#9283
Join Date: Dec 2020
Posts: 87
Does anyone have the redesigned Sam’s Club MasterCard and can they confirm if it has contactless or not? According to Synchrony CS it does have contactless now.
May 16, 2021, 11:30 am
#9284
Join Date: Oct 2019
Posts: 137
Found another retailer that makes the Visa animation and sound when you pay: Busch Gardens Tampa (and presumably Williamsburg as well). They use FreedomPay's software. I never use Mastercards, but has anyone ever seen this animation on a card terminal?
May 17, 2021, 6:31 am
#9285
Join Date: Apr 2019
Posts: 201
Found another retailer that makes the Visa animation and sound when you pay: Busch Gardens Tampa (and presumably Williamsburg as well). They use FreedomPay's software. I never use Mastercards, but has anyone ever seen this animation on a card terminal?
https://youtu.be/WVWgzsTZcJ8
https://youtu.be/WVWgzsTZcJ8