Law Firm Investigating Potential for Class Action Suit Against Rite Aid and CVS for Blocking Apple Pay

[tigress666]

there won't be any available without it. banks will make sure of it.

Yes, but there are companies that already bought compliant pin pads that don't support NFC and I doubt they are going to update next year when all they have to do is turn on the chip capability (I know, I work at one. And the chip reader isn't activated and I'm sure all they'll do next year is activate it. And I'm pretty sure the reader isn't NFC compliant. I think we actually got them before Google Wallet even came around).

So yeah, if they haven't already switched to pin pads that are compliant they'll be hard pressed to find ones that don't have NFC, but you are discounting stores that already got compliant pin pads that were bought before they started trying to push NFC on all the pin pads. Or the fact that I'm sure NFC capability will cost more and unless they just put them standard on all pin pads, many businesses will just pick the cheapest option they can get which will be ones without NFC capability.

 

[Keirasplace]

Yes, but there are companies that already bought compliant pin pads that don't support NFC and I doubt they are going to update next year when all they have to do is turn on the chip capability (I know, I work at one. And the chip reader isn't activated and I'm sure all they'll do next year is activate it. And I'm pretty sure the reader isn't NFC compliant. I think we actually got them before Google Wallet even came around).

So yeah, if they haven't already switched to pin pads that are compliant they'll be hard pressed to find ones that don't have NFC, but you are discounting stores that already got compliant pin pads that were bought before they started trying to push NFC on all the pin pads. Or the fact that I'm sure NFC capability will cost more and unless they just put them standard on all pin pads, many businesses will just pick the cheapest option they can get which will be ones without NFC capability.

I doubt NFC would cost much more since its baked into the chipset usually. Companies that make payment options will want to produce one model that has everything.

 

[Zxxv]

Yes, but there are companies that already bought compliant pin pads that don't support NFC and I doubt they are going to update next year when all they have to do is turn on the chip capability (I know, I work at one. And the chip reader isn't activated and I'm sure all they'll do next year is activate it. And I'm pretty sure the reader isn't NFC compliant. I think we actually got them before Google Wallet even came around).

So yeah, if they haven't already switched to pin pads that are compliant they'll be hard pressed to find ones that don't have NFC, but you are discounting stores that already got compliant pin pads that were bought before they started trying to push NFC on all the pin pads. Or the fact that I'm sure NFC capability will cost more and unless they just put them standard on all pin pads, many businesses will just pick the cheapest option they can get which will be ones without NFC capability.

With the new terminals the law changes. The weakest link is liable for any fraud. I wonder if not having NFC makes you liable.

 

[tigress666]

With the new terminals the law changes. The weakest link is liable for any fraud. I wonder if not having NFC makes you liable.

From what I understand the law just requires you accept the chip cards. It isn't written to be general like that where you have to support the best security. It actually sets what they consider a minimum security is and that is chip card. As long as companies support that, they are not liable is how I understand what the future law is. I think my company is safe until they re write the law to put NFC as considered minimum.

(I'm not saying I don't want my company to support NFC cause I most definitely do.. keep in mind I'm just a lowly cashier so I have no say in it. But I doubt my company is going to put money into new pads unless required and sadly they already have pin pads that are compliant with the future law that don't support NFC so I am skeptical they are going to put money into changing that when they don't have to. Hell, right now they don't even have the chip capability of the pin pads even turned on <- and I am not even sure why not unless for some reason they get charged more if they use a pin card or maybe they have to pay for another service to support that?).

 

[dontwalkhand]

From what I understand the law just requires you accept the chip cards. It isn't written to be general like that where you have to support the best security. It actually sets what they consider a minimum security is and that is chip card. As long as companies support that, they are not liable is how I understand what the future law is. I think my company is safe until they re write the law to put NFC as considered minimum.

(I'm not saying I don't want my company to support NFC cause I most definitely do.. keep in mind I'm just a lowly cashier so I have no say in it. But I doubt my company is going to put money into new pads unless required and sadly they already have pin pads that are compliant with the future law that don't support NFC so I am skeptical they are going to put money into changing that when they don't have to. Hell, right now they don't even have the chip capability of the pin pads even turned on <- and I am not even sure why not unless for some reason they get charged more if they use a pin card or maybe they have to pay for another service to support that?).

The software in the register, the merchant service provider all has to support it. If your store goes through First Data it'll be on in 6 months.

What kind of terminals does your store use? Most should have NFC built in just turned off. Generally if Canada is anything to look at, it'll get turned on when Chip is turned on.

My local IGA has had old terminals with chip and no NFC, the owner bought attachments that attached to the top of their old terminals and now they have NFC and chip card.

 

[tigress666]

The software in the register, the merchant service provider all has to support it. If your store goes through First Data it'll be on in 6 months.

What kind of terminals does your store use? Most should have NFC built in just turned off. Generally if Canada is anything to look at, it'll get turned on when Chip is turned on.

My local IGA has had old terminals with chip and no NFC, the owner bought attachments that attached to the top of their old terminals and now they have NFC and chip card.

I don't remember the brand but it looks kinda like this one (But it's not that exact one but similar looking anyways. I bet not as new as I think we've had them at least 3 years if not at least 5 years.. I've worked there far too long and at this point lost track of time on things): http://www.comerciaglobalpayments.com/productos/pctactil_en.html

(I do think it is that brand though, verifone. Now that I see the name of it. Definitely has the slot at the bottom where you slide the card and that's where it supports the pin cards. I just don't see anywhere it would support NFC).

 

[dontwalkhand]

I don't remember the brand but it looks kinda like this one (But it's not that exact one but similar looking anyways. I bet not as new as I think we've had them at least 3 years if not at least 5 years.. I've worked there far too long and at this point lost track of time on things): http://www.comerciaglobalpayments.com/productos/pctactil_en.html

(I do think it is that brand though, verifone. Now that I see the name of it. Definitely has the slot at the bottom where you slide the card and that's where it supports the pin cards. I just don't see anywhere it would support NFC).

With more recently manufactured terminals NFC is behind the LCD

 

[kdarling]

With the new terminals the law changes. The weakest link is liable for any fraud. I wonder if not having NFC makes you liable.

It's not a law. It's just a change in liability policy from Visa and other credit card schemes.

Basically the new policy is that if a customer has an EMV (chipped) card and the merchant only has an old magnetic stripe reader, then the merchant is liable if it turns out to be a fraudulent transaction.

However, if the customer's bank hasn't bothered to update the customer to a chip card, and the card is still only magnetic anyway, then the bank is liable.

Smaller merchants who rarely see fraud, might not bother to upgrade for a while.

--

As far as NFC goes, Visa has an incentive for merchants to buy NFC capable terminals. They allow merchants to skip their costly annual PCI/DSS audit, if they meet certain conditions. One of the conditions is:

"At least 75 percent of the merchant’s total transaction (chip and magnetic-stripe) count must originate from fully enabled dual-interface contact / contactless) terminals that are capable of processing complete chip transactions."

 

[tigress666]

With more recently manufactured terminals NFC is behind the LCD

As I've said, we've had those at least 3 if not 5 or more years. I doubt they count as more recently manufacturered . In fact I went to verifone's website and looked at the specs for the one that looks most like the recent version of what we have and it requires an add on for NFC that would be very obvious (which ours don't have). So maybe they could add NFC easily if they wished, but it's not equipped as is.

Oh, and that also counters some one's point that all terminals would have it. They're still selling it without with an optional add on if you want it (http://www.verifone.com/media/904779/na_mx870_ds_ltr.pdf).