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 8, 2017, 2:47 pm
#91
Join Date: Apr 2010
Location: SAN
Programs: UA
Posts: 204
I think there's 3 of them in Vegas. One downtown on Fremont St and the others are in Strip casinos. They appeared to have EMV enabled when I was there last but didn't actually buy anything.
Jan 8, 2017, 8:01 pm
#92
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
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Posts: 15,507
Looks like the MC map may have updated. I'm seeing Nordstrom Rack locations on there now, which may mean they finally enabled NFC (they were originally EMV-only). Gucci as well.
Also, it'd be nice if Square merchants could opt into being on the MC map. I would hesitate to make it opt-out due to the fact that mobile-type businesses may very well be using their home addresses as their official business address.
Also, it'd be nice if Square merchants could opt into being on the MC map. I would hesitate to make it opt-out due to the fact that mobile-type businesses may very well be using their home addresses as their official business address.
Jan 8, 2017, 9:07 pm
#93
Join Date: Oct 2015
Location: Northern Virginia
Posts: 1,592
Looks like the MC map may have updated. I'm seeing Nordstrom Rack locations on there now, which may mean they finally enabled NFC (they were originally EMV-only). Gucci as well.
Also, it'd be nice if Square merchants could opt into being on the MC map. I would hesitate to make it opt-out due to the fact that mobile-type businesses may very well be using their home addresses as their official business address.
Also, it'd be nice if Square merchants could opt into being on the MC map. I would hesitate to make it opt-out due to the fact that mobile-type businesses may very well be using their home addresses as their official business address.
On a side note, they didn't have EMV debit last time I was there. The transaction was cancelled once I selected Debit from the AID prompt.
Jan 9, 2017, 3:01 pm
#94
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,516
Also at CES, the Las Vegas Convention Centre concessions switched to those Clover POS with the Clover Mini customer unit. CES was the first day they were using them.
Jan 9, 2017, 5:40 pm
#95
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
Was in Vegas for CES and visited the ABC Store at Planet Hollywood. Contactless is only MSD (person in front of me was also from Canada and was trying to use Apple Pay with a VISA which failed). Chip and (offline) PIN is supported.
Also at CES, the Las Vegas Convention Centre concessions switched to those Clover POS with the Clover Mini customer unit. CES was the first day they were using them.
Also at CES, the Las Vegas Convention Centre concessions switched to those Clover POS with the Clover Mini customer unit. CES was the first day they were using them.
Jan 9, 2017, 5:43 pm
#96
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
They should use the Verifone case like Apple to get contactless and EMV working on their "mobile" checkout system.
Jan 9, 2017, 7:06 pm
#97
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,516
US VISA provisioning profile for mobile wallets is currently set up to allow the MSD processing path. Canadian (and I assume most other countries) profile does not allow MSD. VISA is trying to eliminate MSD completely (it's been removed from the latest version of its kernel), but this will take some time in the US. (Other differences are US VISA profile does not support ODA and has no application label, whereas non-US does support ODA and has Visa CREDIT or Visa DEBIT application labels).
Jan 9, 2017, 8:48 pm
#98
Join Date: Sep 2014
Posts: 1,722
In the case of VISA:
US VISA provisioning profile for mobile wallets is currently set up to allow the MSD processing path. Canadian (and I assume most other countries) profile does not allow MSD. VISA is trying to eliminate MSD completely (it's been removed from the latest version of its kernel), but this will take some time in the US. (Other differences are US VISA profile does not support ODA and has no application label, whereas non-US does support ODA and has Visa CREDIT or Visa DEBIT application labels).
US VISA provisioning profile for mobile wallets is currently set up to allow the MSD processing path. Canadian (and I assume most other countries) profile does not allow MSD. VISA is trying to eliminate MSD completely (it's been removed from the latest version of its kernel), but this will take some time in the US. (Other differences are US VISA profile does not support ODA and has no application label, whereas non-US does support ODA and has Visa CREDIT or Visa DEBIT application labels).
Jan 10, 2017, 1:03 am
#99
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
Too bad forcing the phone's region to something other than the US doesn't cause US cards added to the respective services to adopt Visa/MC/AmEx requirements for whatever region you choose.
Jan 10, 2017, 2:30 am
#100
Join Date: May 2014
Posts: 378
Looked through the last few pages and didn't see anything. Is there a thread like for EMV with contactless cards listed? I don't think the EMV spreadsheet is really being updated anymore
Jan 10, 2017, 2:37 am
#101
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It also has contactless information but the short summary is that only a few issuers offer it.
Jan 10, 2017, 2:59 am
#102
Join Date: May 2014
Posts: 378
The spreadsheet mostly became a website: http://www.spotterswiki.com/emv/index.php
It also has contactless information but the short summary is that only a few issuers offer it.
It also has contactless information but the short summary is that only a few issuers offer it.
Jan 10, 2017, 2:33 pm
#103
Join Date: Oct 2015
Location: Northern Virginia
Posts: 1,592
The Square Cash card doesn't allow cashback, but PIN works fine. I can pull the CVM list tonight, but I don't anticipate anything special.
Jan 11, 2017, 12:25 am
#104
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,061
As I was paying for tickets at Iolani Palace today, and I saw the contactless symbol on the payment terminals. I asked if I could pay with Android Pay, and the cashier said, "Sure!" The other two employees were curious as they had never seen someone do a contactless payment before. I was then explaining how the payment was preferable to a chipped credit card since 1) I don't have to carry the physical card and 2) the card number is a virtual card number.
Jan 11, 2017, 12:58 am
#105
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
As I was paying for tickets at Iolani Palace today, and I saw the contactless symbol on the payment terminals. I asked if I could pay with Android Pay, and the cashier said, "Sure!" The other two employees were curious as they had never seen someone do a contactless payment before. I was then explaining how the payment was preferable to a chipped credit card since 1) I don't have to carry the physical card and 2) the card number is a virtual card number.
Maybe there still is a very long way to go for it to be anywhere near universal, at least for me anyway.