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Old Apr 29, 2014, 08:15 PM   #1
dontwalkhand
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Woo hoo, Chip & PIN (EMV, Chip Cards, etc) FINALLY IN THE US, and WORKING

A few weeks ago at Walmart, for which I am now an electronics associate (but this goes for all registers in the store), the registers have received an update that states "All ICC (EMV) Cards must NOW be inserted, and will not allowed to be swiped", and the Customer Facing terminal now reads "Please Insert or Slide Card Quickly"

THIS GOES FOR EVEN CARDS ISSUED IN THE US with a Chip for "Traveling"

NOW here is the issue:

A lot of the cards that have the chip for "traveling" do not have a PIN#, and you generally don't have to set up the PIN with your bank unless you are traveling. They did not anticipate Walmart going full force EMV acceptance, and now many customers who have these cards, don't know the PIN to their own cards., and then end up leaving their purchases behind, or having to pay with another card.

I have had many customers with a chip in their card, try to swipe, it states "Card must be inserted"…I show them the Chip & PIN reader on the bottom, and the customer, doesn't know what to do, as this is the first time they have encountered Chip & PIN. So he inserted the card, the PIN screen came up, and he doesn't know what it was, I couldn't process the transaction without it. He just used a regular Wells Fargo card afterwards instead to pay.

So my public service announcement is, if you have one of the new AmEx Cards, etc with the Chip, you might want to set your PIN, if you want to use the card at Walmart.

Chip & Signature cards work fine, just insert, and the cashier will press Credit, and you sign, then remove your card.

I for one, am glad to see this in place, this means that I am sure Chip & PIN cards will be the norm in the US soon enough. What I really find sad though is that the card issuers seem to be blissfully unaware that Walmart is processing EMV cards that were issued for "traveling" using the chip and not the stripe in the USA, so they tell their clients that, you only need to set the PIN when you travel.

Canadians, and europeans who came into my store, had no problem, and Chip & PIN works beautifully. Those American cards with a Chip in it however, are now posing trouble if the customer does not know the PIN.

Also….does anyone know when Target is getting Chip & PIN as well? What about other stores in the USA? Any experience? So far it seems to be only Walmart that is forcing cards with a chip to be inserted, and processed just like in Europe/Canada. Maybe within the year I am sure, as that liability shift is coming up soon enough. I don't think store equipment in other stores is a problem, as every other store I have been into, have a Chip & PIN reader (but unlike Walmart, they usually aren't activated, or anticipating activation)….the only places I would see struggle with Chip & PIN now in the United States, would be restaurants, definitely.

Now if only we can now get rid of paper checks. Also, I am now wondering what Apple Stores are going to do, and Square has to come up with some sort of Chip & PIN reader solution now as well.
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Old Apr 29, 2014, 10:09 PM   #2
yg17
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AmEx cards issued in the US are chip and sig.

I've yet to find a place where my EMV AmEx works. Lots of places have EMV capable readers, it's just not enabled. I want to try it somewhere just to see how it works, but I'm not about to set foot in a Wal-Mart, so I'll wait.
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Old Apr 29, 2014, 10:18 PM   #3
dontwalkhand
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Quote:
Originally Posted by yg17 View Post
AmEx cards issued in the US are chip and sig.

I've yet to find a place where my EMV AmEx works. Lots of places have EMV capable readers, it's just not enabled. I want to try it somewhere just to see how it works, but I'm not about to set foot in a Wal-Mart, so I'll wait.
Well Walmart is the place. Chip and Sig you just insert and sign only if it's above $50, then remove the card. You will not be able to swipe it.
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Old Apr 29, 2014, 10:31 PM   #4
yg17
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Originally Posted by dontwalkhand View Post
Well Walmart is the place.
Not that desperate to try it.

I figure I'll get to use it plenty when I'm in Germany later this year.
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Old May 8, 2014, 06:20 AM   #5
markie
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Quote:
Originally Posted by dontwalkhand View Post
A lot of the cards that have the chip for "traveling" do not have a PIN#, and you generally don't have to set up the PIN with your bank unless you are traveling. They did not anticipate Walmart going full force EMV acceptance, and now many customers who have these cards, don't know the PIN to their own cards., and then end up leaving their purchases behind, or having to pay with another card.
Nonsense, the only two banks in the US that issue Chip and PIN cards - UNFCU and USAA - both issue a PIN with the card. Now, if the customer doesn't know it, that's different - but they definitely have it.

All the other cards in the US are signature priority.

P.S. of course you can't swipe it. If you could swipe it once EMV is enabled, it'd be pointless and offer no additional security (since you'd just swipe the cloned card).

Now, it's not REALLY true you can't swipe it. You CAN - insert the card upside down a few times, the reader will think the chip is broken and fallback. Useful if a customer doesn't know their PIN. These fallback transactions get reported to the issuing bank as such, which is MUCH more likely to decline them than a normal swipe transaction since it's an indicator it may be a counterfeit card. Especially if the transaction is outside a customer's normal spending patterns.

Furthermore, YOU should use caution and look closely at a card if you see a customer ever insert it into the chip reader a few times quickly, then swipe it. Though at Walmart, insert then swipe IS required for Interac/UnionPay cards since those networks aren't supported as EMV yet. This is different though - insert card, reader recognises it doesn't have the right EMV application (AID), and lets you swipe it right away.

Last edited by markie; May 8, 2014 at 06:46 AM.
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Old Yesterday, 07:23 AM   #6
Zexel
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I have found a few terminals that accept EMV cards, but have not activated them yet. I know Wal-mart is leading in their terminal conversion right now so I'll have to keep an eye out next time I visit one of their stores.

As for Apple, they have already upgraded all of their POS sleds to accept magnetic strip, EMV, and contactless payment cards - the two latter are not enabled yet, however.
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Old Yesterday, 08:42 AM   #7
snberk103
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Originally Posted by markie View Post
Nonsense, the only two banks in the US that issue Chip and PIN cards - UNFCU and USAA - both issue a PIN with the card. Now, if the customer doesn't know it, that's different - but they definitely have it....
[Emphasis Added]

I remember when we converted to Chip and PINs here in Canada (years ago). I suspect the system is the same in the US. You'd get your new card, with the number to call to activate it ... and pile of paper to file. Offers and Terms of Service, etc. Somewhere there'd be a letter explaining the PIN was coming in a separate letter. Since few merchants had converted to PIN terminals yet, it was no big deal. A week later you'd get the letter with the flap you had peel to expose the PIN - and you'd put the letter on the desk to file with the rest of the paper they sent - except then you would realize that you didn't want to file it with the card info because you're suddenly worried about filing the card # and PIN in the same location... and you'd forget to memorize to the PIN in any case. This was inevitably just before you went shopping at the store who required the PIN when you had no cash on you. Of course none of this is from personal experience.

ps I really like the tap functionality. My local supermarket lets me tap the card on the terminal for purchases up to $100. Cool. And fast.
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Old Yesterday, 09:15 AM   #8
velocityg4
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Is this the RFID chip people are advised to refuse from your card issuer? Because people can just walk by and scan card information from your wallet or purse without you knowing. Does it require direct physical contact with a reader and unable to function wirelessly?
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Old Yesterday, 11:52 AM   #9
yg17
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Originally Posted by velocityg4 View Post
Is this the RFID chip people are advised to refuse from your card issuer? Because people can just walk by and scan card information from your wallet or purse without you knowing. Does it require direct physical contact with a reader and unable to function wirelessly?
No. EMV is a chip on your card that looks very similar to a SIM card that requires contact with a reader to read. It can't work wirelessly.
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