PrendellHiggins

At least they finally fixed the AtGW function. For the longest time it would spit out an error saying "there was an error with Google Wallet."

PrendellHiggins

The tale of two terminals. One was on the left side of the FedEx Office store and the other on the right. No idea how these huge corporations think this is okay.

tmiw

Eh, the liability for fraudulent transactions is on them so if they want to deal with that, sure. Plus, they'll have to fix it by 2028 or so anyway.

LoveClassicMusic0205

I believe they're in the process of switching over to EMV. I was in a FedEx Office store in late July and they still had the swipe only machine, but said that EMV would be coming soon. It looks like they're beginning to make the transition.

Just from my experience, it seems like EMV is fairly common today. Swiped transactions seem to be a minority now (though a lot of contactless still seems to be MSD).

RedLight2015

You would be very surprised. I have seen places get installed with brand new PIN pads, and then immediately got ripped out and replaced with something newer. Like MX915 to M400

tmiw

Other than gas pumps, I'd say most contactless is EMV now for me. Admittedly I haven't really paid attention in a while so I could be overestimating EMV contactless usage for sure.

storewanderer

Lowe's Food (the TX/NM chain) finally has working EMV Contactless.

Murphy Express seems to have eliminated the zip code prompt with EMV at the pump at least for Visa/Mastercard.

Went to a Circle K with stickers on the pumps that said "ENTER DATA MEANS ENTER ZIP CODE." Oh boy. Well, their EMV didn't want any data. On a Contactless Mastercard the pump goes automatically to decline. Contactless Visa worked well- MSD Contactless.

Also went to a 7-Eleven with Sinclair Fuel and the pumps had Contactless and EMV both working and the pumps were not hooked up to the 7-Eleven cash register in any way. What was odd is in the store I did not see the Gilbarco register that was obviously controlling the pumps. I thought of doing a fuel prepay in the store but the fuel in this particular area was about .50 above the area around the airport so I didn't want to buy much fuel in that area.

scibot

I think Natural Grocers uses the same POS system as Lowe's so they should have EMV contactless as well. Correct I think Visa/MC at Murphy's actually supports CDCVM if Apple or Google Pay is used. Amex still asks for a zip code though. The 7-Eleven/Sinclair locations I've seen in Colorado use both 7-Eleven and Passport but no ctls readers even though Passport supports it. So I'd imagine it had to be somewhere since 7-Eleven's mixed pos only supports ctls on Wayne pumps and not Gilbarco ones as far as I know.

I went to a small market with a customer facing Lane/3000's hooked to a Ingenico terminal and apparently debit isn't supported on the ctls interface as I tapped my card and I had to swipe it how interesting and yes ctls indeed fast though only credit works.

reclusive46

I’m not sure what’s going on but this trip to the US, I’m constantly experiencing US terminals trying to run my Canadian credit cards as Interac/NYCE transactions when using contactless in the US, which prompts a PIN and then obviously results in a decline as they only support Interac via an ATM. This seems to be a new development, even Target has the issue. Some terminals are also promoting me to select Interac or Amex when inserting my Scotiabank Amex as well (it doesn’t seem to happen with any other card though).

Edit: It looks like Visa posted a notice about this back in 2018 and it’s still not been resolved by merchants…
https://technologypartner.visa.com/Download.aspx?id=635

storewanderer

I had to insert a card at Murphy as the Contactless reader at the pump was broken. The 7-Eleven/Sinclair I went to was located in Castle Rock at 1540 Lake Gulch Road. The receipt says it is a business called S&S. The purchase from the inside of 7-Eleven came back as 7-Eleven like any other 7-Eleven but the fuel purchase came back as S&S so it looks like two different POS but I just missed the POS inside that controls the gas pump. S&S appears to be this: https://www.ssfuels.com/find-a-location/

Natural Grocers as of the last time I went there didn't have EMV Contactless. It has been a couple months. Seafood City uses that POS too and says "swipe" when you use Contactless. The receipt at Lowe's Food did look a bit different but still appeared to be that POS, but maybe an updated version of it. I used the self checkout (NCR self checkout) so maybe there is something different going on.

Kum & Go still doesn't have much working Contactless, EMV is mixed bag, works at some, not at others, also zip code prompt continues with EMV there in most cases (had one exception earlier this year where it didn't zip code). Kum & Go is kind of a joke. Quik Trip is far superior, way faster/easier pay at the pump and lower prices/more selection inside the store. Loaf and Jug is the same set up as Quik Stop but most Loaf and Jug seem to have Wayne pumps installed by Kroger which have no Contactless while most Quik Stop have newer Gilbarco pumps installed by EG and they have Contactless but the Contactless got shut off when they turned EMV on. I assume they are waiting for an EMV Contactless upgrade to activate the Contactless on their pumps. at least they took the zip code prompt away when they turned on EMV, and zip code prompt also is gone completely at Circle K.

storewanderer

I am curious if you try to bypass the pin (by pressing enter or cancel when the pin prompt comes up), do you get any different behavior?

The merchants push debit due to supposed lower processing fees (not even sure they are lower anymore). But this seems to be a violation of the card issuer terms. If anything it sounds like the problem has gotten worse since EMV Contactless installs took place as with MSD Contactless you likely got a "debit or credit" prompt after tapping whereas with the EMV Contactless now it is not giving you any options and pushing straight to a path to decline.

Also curious do these declined transactions show as pending/attempted in your credit card history if you log in?

reclusive46

I unfortunately don’t seem to able to bypass the PIN or get it run the card as credit at all.

I actually had my first instance today of not being able to complete a transaction at all. Contactless would run as Interac and insert would do the same, no way around it on any of my cards. I couldn’t even use my Canadian debit card as it has a 6 digit pin and the terminal wouldn’t accept anything more than 4 digits. All of the decline receipts show the network as NYCE.

A restaurant had the same issue but they managed to bypass it by manually keying it in. They seemed familiar with the issue with Canadian cards.

Nothing appears to be reaching the bank at all. Presumably because Interac is just rejecting them.

Merchants really need to get this fixed, especially those near the border as it’s going to cause a lot of issues.

storewanderer

This is a big problem and as more and more travel over the border picks back up this absolutely needs to be fixed.

I wonder if tricking the terminal into a Fallback transaction would work. Basically if the Chip fails three times some terminals will default it back to telling you to swipe the card. You can make the Chip fail by putting a sticker over the Chip or part of the Chip (it will work again if you remove the sticker).

You could report a Visa Rules violation to Visa on every merchant where this happens. But that doesn't fix the problem of you needing your card to work now at these merchants.

tmiw

Is it possible that Target's now running debit cards in general as debit for contactless? IIRC they've always run them "as credit" before using the global AID, so maybe I should pay with my debit card next time to double check.

scibot

At one point at my local Murphy Express the chip reader was broken on the pump and only the ctls reader worked. Kum & Go is only adding ctls readers at the pumps at brand new locations. It's EMV contactless at those new locations and it seems to work fine. Even the newer locations with Flex Pay IV they still haven't added the ctls readers to those locations. Inside works fine but it now forces pin if your using a debit card via ctls which is stupid. They now use Verifone M400 pinpads and they read quick. QuikTrip has indeed rolled out contactless readers at the pumps to every location. Also Kwik Star/Trip is now forcing pin if you use a debit card via ctls which makes me think if it's an NCR Radiant update or something as Kum & Go and Kwik Trip both use that system.