topic Re: First time Using EMV? in Credit Cards

First time Using EMV?

Anonymous — Fri, 12 Jun 2015 01:53:14 GMT

I received my new Chase Freedom card in the mail today. I tried using it at Wal-Mart, and the pinpad kept buzzing. The cashier kept saying something about inserting the card, but after swiping two or three times, I just paid with my Discover card instead. Is this the new chip card everybody's talking about? Also, is every Wal-Mart doing this? The one in Topeka, Kansas is the first one that gave me a problem.

I really hope every store doesn't start making paying this difficult. I know it's supposed to be safer, but I think the credit card companies should make it a choice for people. What does everybody else think?

Re: First time Using EMV?

GoldSorata — Fri, 12 Jun 2015 01:59:54 GMT

You just have to insert the card into the reader for the transaction to complete instead of swiping. Thats the only difference.

Re: First time Using EMV?

Anonymous — Fri, 12 Jun 2015 02:07:45 GMT

Yes this is the way the new EMV will work. If you swipe a card in a terminal that is EMV enabled it will tell you to insert the card. It really takes no longer to complete a transaction with EMV. But i will say that the last time I went to Wal-Mart it did the same thing and finding the slot was the hardest part they could do a better job pointing it out. There was no sticker or arrow or anything. Come the end of the year most will require using the EMV.

Re: First time Using EMV?

amakol — Fri, 12 Jun 2015 02:10:06 GMT

Yeah it might not be familiar but it's no tougher than swiping just feed it into the machine from the bottom instead of swiping to the right. The rest is identical.

Re: First time Using EMV?

Anonymous — Fri, 12 Jun 2015 02:43:19 GMT

Making it a choice would negate all of the security benefits of having the chip in the first place. Think of it like you're inserting the card into an ATM, just that the slot is on the bottom instead of in front. Also push until you definitely feel it "click" into place.

Re: First time Using EMV?

Anonymous — Fri, 12 Jun 2015 03:50:23 GMT

Yeah I think all Walmarts are using chip now . It's really easy once you find the little area you insert the card into . It's usually right under the screen . Insert the card and leave it in there until the screen tells you to remove it . You might have to sign first .

Re: First time Using EMV?

thom02099 — Fri, 12 Jun 2015 15:41:10 GMT

The WalMarts here in northern Colorado were offering the EMV reader for a while, then discontinued it in favour of the swipe, and now have enabled it again. So now, when I go into a WalMart I just insert the EMV card in the slot.

This time next year, when most all merchants have switched over to EMV, swipes will begin to be a distant memory!

Re: First time Using EMV?

Anonymous — Fri, 12 Jun 2015 15:45:01 GMT

@thom02099 wrote:
The WalMarts here in northern Colorado were offering the EMV reader for a while, then discontinued it in favour of the swipe, and now have enabled it again. So now, when I go into a WalMart I just insert the EMV card in the slot.

This time next year, when most all merchants have switched over to EMV, swipes will begin to be a distant memory!

Everything I've been hearing says it's going to be at least five years before that happens. Also, EMV's always worked at Walmart--they just weren't requiring it until recently.