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 7, 2018, 9:27 pm
#3196
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Jan 8, 2018, 10:52 am
#3197
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If I recall correctly, my local H Mart has no NFC so I use Samsung Pay via MST instead, with signature waived below $25.
Jan 8, 2018, 11:13 am
#3198
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Jan 8, 2018, 11:20 am
#3199
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They should have had NFC because HMart discloses the fact that they accept Apple Pay.
Jan 8, 2018, 12:15 pm
#3200
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I'll try to check again soon. Unless my memory is far more shot that I realized, definitely no EMV, however.
Jan 8, 2018, 1:45 pm
#3201
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I received another report of a Costco having working contactless. Unfortunately one here that I went to still doesn't appear to have it. Maybe in another month or two?
Jan 8, 2018, 2:49 pm
#3202
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Yes, this was attempting to use my Chase Freedom Visa with Apple Pay. I could try the one MC I have in Android Pay to see if that works. Was this at the San Jose location or another one? I don't know if their point of sale equipment is standardized across all locations. The only other location I visit with some frequency is the one in Arlington Heights, but I haven't paid attention to the terminals there.
Jan 8, 2018, 3:02 pm
#3203
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Jan 8, 2018, 3:07 pm
#3204
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Yes its being rolled out in 2018 according to this person: https://www.reddit.com/r/Costco/comm...e_pay/drjg62k/ so it sounds like those reports are 100% accurate but how the rollout will take is still to be seen.
Jan 8, 2018, 3:19 pm
#3205
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Yes its being rolled out in 2018 according to this person: https://www.reddit.com/r/Costco/comm...e_pay/drjg62k/ so it sounds like those reports are 100% accurate but how the rollout will take is still to be seen.
Jan 8, 2018, 4:09 pm
#3206
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Indeed. FWIW, to counter their comments about needing the credit card to match the member name, I've only had one cashier ever check my Costco card to my credit card (it was back when they took AMEX and I wanted to use my SPG card instead of my Costco AMEX).
Jan 8, 2018, 6:47 pm
#3207
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No kidding. I love this comment the most:
In other words, requiring a fingerprint and two factor authentication to get put on the phone in the first place, along with the token used during the transaction aren't fraud prevention measures they're comfortable with yet. If this person worked for me, I'd fire them just for those comments. IT people are supposed to know about technology... This guy clearly doesn't.
Costco is very focused on conquering fraud and Apple Pay reduces our ability to do so. We require the CC to match the name on the card so removing the physical card out of the picture and replacing it with a phone isn’t something we’re comfortable with yet.
Jan 8, 2018, 9:07 pm
#3208
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No kidding. I love this comment the most:
In other words, requiring a fingerprint and two factor authentication to get put on the phone in the first place, along with the token used during the transaction aren't fraud prevention measures they're comfortable with yet. If this person worked for me, I'd fire them just for those comments. IT people are supposed to know about technology... This guy clearly doesn't.
In other words, requiring a fingerprint and two factor authentication to get put on the phone in the first place, along with the token used during the transaction aren't fraud prevention measures they're comfortable with yet. If this person worked for me, I'd fire them just for those comments. IT people are supposed to know about technology... This guy clearly doesn't.
Also, they are looking at the membership card. They see your card and photo as they are scanning your items. I would think this should be sufficient to check that the user of the Costco card is indeed the individual in the picture on the membership card. If someone was dumb enough to go use a stolen credit card at Costco, I would think they would be using their membership card at the same time and that would make the chargeback quite easily traceable. If someone was trying to use a stolen membership card, that should be caught by the cashier and it wouldn't even get to the point of a credit card transaction...
Jan 8, 2018, 9:09 pm
#3209
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The Canada H Mart has Contactless, it also has a $5 credit card minimum, and also requires ID for signature cards (ouch). The OR/WA H Marts despite using the same system, do not have Contactless, do not require signature under $25, and do not require ID for any cards.
Jan 8, 2018, 9:25 pm
#3210
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I tried the San Diego location today and got the same "card must be inserted" message with Apple Pay and Visa. The attempted contactless transaction was definitely MSD based on the lack of amount in the Wallet app. However, it's possible that other networks may work fine as the cashier told me that "it works with some banks and not others".
I've only been to H Mart locations in San Jose, CA (Cupertino) and the one in Levittown, PA. The San Jose one opened recently, and they've been accepting contactless payments since opening. I didn't have any contactless credit cards when living in Philadelphia, so I don't remember their setup. I haven't had any problems doing an Android Pay payment here.