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)
May 5, 2019, 10:00 pm
#6196
Join Date: Mar 2011
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Went to Popeyes with Sicom registers today. New Verifone 400 Pinpads have been attached with everything functioning.
It looks like NFC is still MSD...
I saw someone else use Chip and I don't think they inserted the card for more than about a second...
Also American Express tap fails at Quik Stop (former Kroger c-store). Visa works fine. You have to convince the cashier to press "electronic payment" to activate the tap on the pinpad. It took some convincing with the guy today but he did know what a NFC card was (his words) and when he saw it work he said "wow I haven't seen one of those in years."
It looks like NFC is still MSD...
I saw someone else use Chip and I don't think they inserted the card for more than about a second...
Also American Express tap fails at Quik Stop (former Kroger c-store). Visa works fine. You have to convince the cashier to press "electronic payment" to activate the tap on the pinpad. It took some convincing with the guy today but he did know what a NFC card was (his words) and when he saw it work he said "wow I haven't seen one of those in years."
May 5, 2019, 10:29 pm
#6197
Join Date: Sep 2014
Posts: 1,722
Also American Express tap fails at Quik Stop (former Kroger c-store). Visa works fine. You have to convince the cashier to press "electronic payment" to activate the tap on the pinpad. It took some convincing with the guy today but he did know what a NFC card was (his words) and when he saw it work he said "wow I haven't seen one of those in years.
May 5, 2019, 10:46 pm
#6198
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
I bet they would have gladly enabled the terminal had you held up a phone.
May 5, 2019, 11:03 pm
#6199
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I almost forgot to mention: I saw a Godiva location on the Google Pay app's nearby stores list earlier today. That particular location didn't have anything new attached to their POSes but it might be worth paying more attention to see if that changes soon.
Also, 85C has a self-order kiosk now for drinks that uses a Clover Mini. Maybe I'll try it next time I'm over there.
BTW, I saw this at Kohl's tonight and started to wonder--how many merchant specific payment apps are we up to now? There's at least Kroger's, Starbucks', Kohl's and Walmart's off the top of my head, anyway.
Also, 85C has a self-order kiosk now for drinks that uses a Clover Mini. Maybe I'll try it next time I'm over there.
BTW, I saw this at Kohl's tonight and started to wonder--how many merchant specific payment apps are we up to now? There's at least Kroger's, Starbucks', Kohl's and Walmart's off the top of my head, anyway.
May 6, 2019, 8:49 am
#6200
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
I almost forgot to mention: I saw a Godiva location on the Google Pay app's nearby stores list earlier today. That particular location didn't have anything new attached to their POSes but it might be worth paying more attention to see if that changes soon.
Also, 85C has a self-order kiosk now for drinks that uses a Clover Mini. Maybe I'll try it next time I'm over there.
BTW, I saw this at Kohl's tonight and started to wonder--how many merchant specific payment apps are we up to now? There's at least Kroger's, Starbucks', Kohl's and Walmart's off the top of my head, anyway.
Also, 85C has a self-order kiosk now for drinks that uses a Clover Mini. Maybe I'll try it next time I'm over there.
BTW, I saw this at Kohl's tonight and started to wonder--how many merchant specific payment apps are we up to now? There's at least Kroger's, Starbucks', Kohl's and Walmart's off the top of my head, anyway.
Now I believe the incentive to use it is something to do with more Kohl’s Cash or something. I don’t know as I just use regular Apple Pay.
May 6, 2019, 9:36 am
#6201
Join Date: Jul 2011
Posts: 1,133
Kohl’s Pay has been a thing for many years now. Thankfully they do it right and still have regular NFC enabled from the get go. In fact I believe they came out with Kohl’s Pay the same time they turned NFC on!
Now I believe the incentive to use it is something to do with more Kohl’s Cash or something. I don’t know as I just use regular Apple Pay.
On a different note, I found an Exxon station in Delaware with the Verifone NFC readers at the pump. I tested a physical card to see if EMV worked (it did not), but my phone did light up when I put it against the NFC reader. I did not notice if there were still a Speedpass NFC reader.
May 6, 2019, 9:59 am
#6202
Join Date: Mar 2017
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May 6, 2019, 11:15 am
#6203
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Location: San Diego, CA
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The idea with Kohl's Pay is you only have to scan one barcode to apply everything - your loyalty program, Kohl's Cash (assuming you load it to your account), coupons, and store credit card. Of course, that is when the cashier knows how to activate Kohl's Pay (half the time they do not).
May 6, 2019, 1:47 pm
#6204
Join Date: Jan 2014
Posts: 451
TD Bank is now offering their Cash and Business solutions credit cards in contactless form as well - so they added that on top of debits.
How can I get a contactless credit card?
At this time contactless credit cards are only available for TD Cash and TD Business Solutions credit cards. To obtain a contactless TD Cash or TD Business Solutions credit card please call us at 1-888-561-8861 or visit any TD Bank Store.
Noticed that they had the contactlress symbol on their cards graphics in the app, so I went in to investigate and saw what is above. Called in, was put on hold for a minute, was told it was ordered and will be shipped to my e-mail. So all is well! Getting more and more contactless cards in. Great!
May 6, 2019, 2:09 pm
#6205
Join Date: Oct 2007
Programs: AA, WN, UA, Bonvoy, Hertz
Posts: 2,491
The idea with Kohl's Pay is you only have to scan one barcode to apply everything - your loyalty program, Kohl's Cash (assuming you load it to your account), coupons, and store credit card. Of course, that is when the cashier knows how to activate Kohl's Pay (half the time they do not).
May 6, 2019, 5:18 pm
#6206
Join Date: May 2013
Location: New York
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Posts: 1,079
On a different note, I found an Exxon station in Delaware with the Verifone NFC readers at the pump. I tested a physical card to see if EMV worked (it did not), but my phone did light up when I put it against the NFC reader. I did not notice if there were still a Speedpass NFC reader.
May 6, 2019, 6:39 pm
#6207
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I'm not sure outside contactless is actually mandatory. I've yet to see that at any Mobil station here, but pretty much all of them have EMV-capable card readers outside.
May 7, 2019, 8:18 am
#6208
Join Date: Apr 2019
Posts: 201
I think the idea is that a pass can be loaded and the app can be deleted, while if there is no pass, you have to keep the app installed (especially if the barcode/QR code periodically changes).
May 7, 2019, 10:39 am
#6209
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
They had an NFC pass on iOS for awhile, but I think it broke at some point and they really wanted to push people to their app instead. It's sorta like Target killing the Cartwheel pass long before their Wallet feature was a thing.
I think the idea is that a pass can be loaded and the app can be deleted, while if there is no pass, you have to keep the app installed (especially if the barcode/QR code periodically changes).
May 7, 2019, 5:57 pm
#6210
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My local H&M never did show up in the Google Pay app's nearby stores list after I tapped with my phone. I'm guessing that Google maybe needs multiple people tapping within a certain period of time to add it, or perhaps major retailers need to opt in. (Not sure if other H&M locations are on there.)
Also, the Godvia location in that same mall doesn't look like it has anything new yet either, nor is it on the Google Pay app. I'll keep an eye on it, though.
Also, the Godvia location in that same mall doesn't look like it has anything new yet either, nor is it on the Google Pay app. I'll keep an eye on it, though.