Jan 8, 2022, 9:16 pm
Last edit by: SPN Lifer
Older (archived) threads:
2017- 21
2014-16
- - - - - -
FAQ
(Non-exhaustive) list of EMV contactless supporting merchants in the US:
* CDCVM support confirmed
** CDCVM support depends on store/restaurant
† CDCVM supported in MSD mode
2017- 21
2014-16
- - - - - -
FAQ
- What is EMV contactless?
EMV contactless is a form of near-field communication (NFC)/contactless 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. (EMV stands for Europay, MasterCard & Visa, the 1994 founders of the EMV chip or smart chip technology.)
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 payment cards (2022 - 2023)
Aug 27, 2022, 2:46 am
#316
Join Date: Mar 2011
Location: Window Seat
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I bet they are changing out the pinpads to another brand just like Arby's is doing right now. So it should be working again in a month or two.
The receipt looks the same as before but now the AID is listed on the receipt.
Here is why it was disabled they are actually upgrading to Lane/7000s with everything enabled and yes the AID is printed on the receipt now.
The receipt looks the same as before but now the AID is listed on the receipt.
Here is why it was disabled they are actually upgrading to Lane/7000s with everything enabled and yes the AID is printed on the receipt now.
Looks like Loves that are running at least Carls Jr./Hardees are switching to this same system Arbys uses. Unclear for their other brands.
Aug 27, 2022, 6:07 am
#317
Join Date: Sep 2014
Posts: 1,722
Interesting. This Arby's installed the MX915s within the past 7-8 months, before that was swipe only on Radiant. I was surprised they installed them at the time, they appeared brand new.
Looks like Loves that are running at least Carls Jr./Hardees are switching to this same system Arbys uses. Unclear for their other brands.
Looks like Loves that are running at least Carls Jr./Hardees are switching to this same system Arbys uses. Unclear for their other brands.
Aug 27, 2022, 4:42 pm
#318
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Location: San Diego, CA
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Speaking of updates, I went to a Del Taco today that apparently uses P400s. I guess that's what the ones that didn't get Equinox terminals are going/have gone with? (Previously those were using VX820s.)
Aug 27, 2022, 10:53 pm
#319
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,250
The equinox terminals actually perform quite well, but because of how small it is, I can see why the P400 is preferred.
Aug 28, 2022, 12:50 am
#320
Join Date: Mar 2011
Location: Window Seat
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One of the gas stations in my area with that Comdata POS sort of has tap working. You can tap and American Express at the pump and it goes through EMV Contactless. Tapping any other card type, or a phone, at the pump, does not go through. It pretends to go through and even asks if you want a receipt and wants your zip code and then it says Card Declined or Please See Cashier. Also they have a zip code prompt after the EMV Chip Read or after the Tap on the pumps; idiots.
Inside the store nothing has changed. The MX915 activates for Tap and has Paypass logo but if you try to tap it tries to authorize then declines. Also they want a signature for a $1.29 transaction inside with a Chip Card, wow.
Inside the store nothing has changed. The MX915 activates for Tap and has Paypass logo but if you try to tap it tries to authorize then declines. Also they want a signature for a $1.29 transaction inside with a Chip Card, wow.
Aug 28, 2022, 3:50 am
#321
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Honestly, unless one needs to support debit and/or do some sort of store loyalty thing it's going to get pretty hard for merchants in the US to justify anything more than some sort of Toast/Square style puck facing the customer. Perhaps that's going to happen more and more during the next round of terminal upgrades (assuming Verifone and Ingenico actually release such a thing, that is)?
Aug 28, 2022, 6:50 am
#322
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,250
Honestly, unless one needs to support debit and/or do some sort of store loyalty thing it's going to get pretty hard for merchants in the US to justify anything more than some sort of Toast/Square style puck facing the customer. Perhaps that's going to happen more and more during the next round of terminal upgrades (assuming Verifone and Ingenico actually release such a thing, that is)?
Aug 28, 2022, 9:36 am
#323
Join Date: Sep 2014
Posts: 1,722
One of the gas stations in my area with that Comdata POS sort of has tap working. You can tap and American Express at the pump and it goes through EMV Contactless. Tapping any other card type, or a phone, at the pump, does not go through. It pretends to go through and even asks if you want a receipt and wants your zip code and then it says Card Declined or Please See Cashier. Also they have a zip code prompt after the EMV Chip Read or after the Tap on the pumps; idiots.
Inside the store nothing has changed. The MX915 activates for Tap and has Paypass logo but if you try to tap it tries to authorize then declines. Also they want a signature for a $1.29 transaction inside with a Chip Card, wow.
Inside the store nothing has changed. The MX915 activates for Tap and has Paypass logo but if you try to tap it tries to authorize then declines. Also they want a signature for a $1.29 transaction inside with a Chip Card, wow.
Aug 28, 2022, 9:44 am
#324
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Regardless, that buyout happened too soon for anything to have already happened IT-wise, especially at franchisees. Or so I would think, anyway.
Aug 28, 2022, 4:43 pm
#325
Moderator: Manufactured Spending
Join Date: Jul 2011
Posts: 6,578
Do these small readers have wireless capabilities? They look like they might be useful for sit-down restaurants.
Aug 28, 2022, 6:41 pm
#327
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That said, restaurants' reluctance to allow customers to run their own cards isn't a technology problem IMO. For instance, while it's not exactly the same situation, a whole ton of people seem to hate QR codes too. Granted, it's very possible that just like the article says, most of the dislike is due to them (at least around here) tending to only display a menu when scanned.
Aug 28, 2022, 7:30 pm
#328
Join Date: Sep 2014
Posts: 1,722
So the cashier told me that the wind destroyed one of these new gas pumps with the big screens. You'd think a person would do that but not the wind. This is at a newer Shell station. Still haven't found a Shell with contactless working outside but it's pretty darn fast inside. This is the 2nd station that I know of locally that has these pumps with huge screens.
New pumps
New pumps
Last edited by scibot; Aug 29, 2022 at 6:26 am
Aug 28, 2022, 9:57 pm
#329
Join Date: Apr 2019
Posts: 200
That said, restaurants' reluctance to allow customers to run their own cards isn't a technology problem IMO. For instance, while it's not exactly the same situation, a whole ton of people seem to hate QR codes too. Granted, it's very possible that just like the article says, most of the dislike is due to them (at least around here) tending to only display a menu when scanned.
Aug 28, 2022, 10:32 pm
#330
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,056
I would take it a step further and say any QR code that doesn't enable a mobile payment without entering the card info will make people hesitant to pay by that method. Why enter in all of the information manually versus let the waitstaff run the card fo ryou?
