topic Re: Cards with Contactless or PayPass? in Credit Cards

Cards with Contactless or PayPass?

NRB525 — Fri, 06 May 2016 18:24:22 GMT

Diners cards have PayPass contactless

AMEX cards have a contactless option on many. I have the SPG, EDP updated, will get the PRG and Delta to Contactless soon.

I had a Key Bank debit card that showed PayPass, so it seems likely Key Bank CC could be Contactless.

What at are some other CC that have Contactless? Where is VISA in all this?

Re: Cards with Contactless or PayPass?

Anonymous — Fri, 06 May 2016 19:41:43 GMT

VISA have payWave for their contactless payments. It not VISA that decides to include it in cards from what i've been told, it's up to the issuing bank. Back home in Aus all of our credit/debit cards have had payWave or PayPass for several years now. I was suprised to land in States and find that the technology isn't widely used.

They can't sign for purchases now either, all Aus cards must be chip & PIN (or PayPass/payWave).

Re: Cards with Contactless or PayPass?

CreditCuriosity — Fri, 06 May 2016 19:45:43 GMT

Thanks for reminder just ordered my PRG contactless and will be here tomorrow.. Didn't ask them to overnight it, they just did

Re: Cards with Contactless or PayPass?

galahad15 — Fri, 06 May 2016 19:46:15 GMT

At one point, I think the Barclay Ring card had the PayPass feature on some of its classic orange-and-white themed cards (I also used to have one of these), although I think Barclay has since discontinued offering that feature on the Ring.

Re: Cards with Contactless or PayPass?

Anonymous — Fri, 06 May 2016 19:47:52 GMT

My Key Bank debit card, that they're cancelling because I've never used it, has PayPass.

Re: Cards with Contactless or PayPass?

Discover2016 — Fri, 06 May 2016 19:48:33 GMT

Both my Amex cards are contactless, saves on wear and tear! The larger "Chase" style EMV chip is cool too.

Re: Cards with Contactless or PayPass?

Anonymous — Fri, 06 May 2016 19:56:34 GMT

How can you tell if your amex/chase cards are contactless? If I have just the regular ones do I just contact CSR to request the contactless version?

Re: Cards with Contactless or PayPass?

Discover2016 — Fri, 06 May 2016 20:06:56 GMT

@Anonymous wrote:
How can you tell if your amex/chase cards are contactless? If I have just the regular ones do I just contact CSR to request the contactless version?

Amex contactless cards have a wifi symbol on the back, yep you can contact CSR and request contactless replacement card, make sure they dont think you just want an EMV card, make sure it's CONTACTLESS.

Re: Cards with Contactless or PayPass?

Discover2016 — Fri, 06 May 2016 20:09:56 GMT

@Anonymous wrote:
How can you tell if your amex/chase cards are contactless? If I have just the regular ones do I just contact CSR to request the contactless version?

Amex contactless cards also have a larger Chase style EMV chip

Re: Cards with Contactless or PayPass?

Anonymous — Fri, 06 May 2016 21:10:38 GMT

HSBC's cards have it too.

@Anonymous wrote:
I was suprised to land in States and find that the technology isn't widely used.

It has limited usefulness in the US, to be honest. Most people just don't see the point when you don't have to sign or enter a PIN the vast majority of the time anyway. And then there's the (possibly large) contingent who are ultra paranoid about the whole thing, which is why the few that do offer it do so on an opt-in basis--or deny that their cards have the feature, like what a Diners Club CSR did recently when I asked about it.

And I wouldn't rely on our adoption of chip to help all that much with that either. I just ate at a place for lunch where the cashier inserted and removed my card in less than 2 seconds. Eventually, most all businesses will run chip that quickly, so the speed advantage isn't going to matter for people. Not to mention that considering how anti-card a lot of businesses actually are, most will keep the functionality disabled without massive concessions on the part of Visa and MasterCard.

[For context, only 0.2% of transactions were done with mobile phones (our de-facto contactless/PayPass implementation) last year.]

Re: Cards with Contactless or PayPass?

Anonymous — Fri, 06 May 2016 21:27:22 GMT

My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?

Re: Cards with Contactless or PayPass?

Anonymous — Fri, 06 May 2016 21:29:56 GMT

@Anonymous wrote:
My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?

The physical card can be easier when dealing with untrained cashiers who won't turn on the terminal if you try to wave your phone over it. And may be slightly faster at, say, London's subway/bus system.

Re: Cards with Contactless or PayPass?

Anonymous — Fri, 06 May 2016 21:32:35 GMT

@Anonymous wrote:
@Anonymous wrote:
My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?
The physical card can be easier when dealing with untrained cashiers who won't turn on the terminal if you try to wave your phone over it. And may be slightly faster at, say, London's subway/bus system.

Thank you, makes sense.

Re: Cards with Contactless or PayPass?

kdm31091 — Fri, 06 May 2016 21:34:23 GMT

I thought contactless (in terms of being embedded on the physical card) was one of those things that really never caught on and thus is rarely seen. The only card I have/had with it was the BJ's Mastercard from Comenity.

I would expect mobile payments are the "new version" of the contactless tech instead of using the physical card. I really don't find it troublesome to just insert/swipe the card, so I haven't done the mobile payments, but seems to be the wave of the future.

Re: Cards with Contactless or PayPass?

Themanwhocan — Fri, 06 May 2016 21:44:08 GMT

@kdm31091 wrote:
I thought contactless (in terms of being embedded on the physical card) was one of those things that really never caught on and thus is rarely seen. The only card I have/had with it was the BJ's Mastercard from Comenity.

I would expect mobile payments are the "new version" of the contactless tech instead of using the physical card. I really don't find it troublesome to just insert/swipe the card, so I haven't done the mobile payments, but seems to be the wave of the future.

I would use it, if I could. I used to have Contactless, but switched to Dual Interface. I didn't realize that since a lot of merchants are disabling chip usage for now, that it would also disable my Dual Interface American Express card.

Re: Cards with Contactless or PayPass?

Anonymous — Fri, 06 May 2016 21:44:14 GMT

@Anonymous wrote:
My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?

That won't work on my dumb flip phone.

Re: Cards with Contactless or PayPass?

happypill — Sat, 07 May 2016 00:07:33 GMT

Fuel Rewards MC has it, although I haven't used it myself.

Re: Cards with Contactless or PayPass?

NRB525 — Sat, 07 May 2016 15:41:11 GMT

@Anonymous wrote:
My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?

The locations that have terminals to accept Contactless often are able to handle ApplePay as well. Not everywhere, but McDonalds, Bartells, and a local grocer can handle either.

Thanks for the reminder. I need to try my Apple Pay at the office cafeteria next to see if that works as well.

The advantage with using ApplePay is that my $1,500 Freedom card with the 10 points per swipe could be used for those $2.16 coffees, Freedom has no Contactless capabilities on the card itself.

Re: Cards with Contactless or PayPass?

Anonymous — Sat, 07 May 2016 16:51:31 GMT

@NRB525 wrote:
@Anonymous wrote:
My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?
The locations that have terminals to accept Contactless often are able to handle ApplePay as well. Not everywhere, but McDonalds, Bartells, and a local grocer can handle either.

Thanks for the reminder. I need to try my Apple Pay at the office cafeteria next to see if that works as well.

The advantage with using ApplePay is that my $1,500 Freedom card with the 10 points per swipe could be used for those $2.16 coffees, Freedom has no Contactless capabilities on the card itself.

Im I reading this right that there's a min points on Freedom? Is that unique to Freedom? I never knew. Very interesting.

Note: I'm a female who carries a backpack to work and not a separate purse. When I do carry a purse, I don't like a big one and I really prefer to just stuff what I need into my pockets.

For me, the issue is beyond juggling which card to use for which type of purchase depending on rotating categories, current goals, etc., thinking about where accepts Apple Pay just adds another layer. It may just be me, but the car I got last year with push button start (don't need keys out) and being able to pay with a phone, while I love them...it's a lot of juggling and trying to come up with a routine for what to carry when and how, and what I need to move from backpack to pocket or purse after work. Ugh. I'm constantly looking for things or having to go back for things. Or starting to walk away from the car and realizing the key is in it.

Even remembering which stores now have chip readers and which you still swipe (we're about 50/50 around me) is a pain.

I ALMOST long for simpler times. Almost. (And I almost never think to pay with my Apple Watch, which I thought was one of the coolest things about it initially.)

Re: Cards with Contactless or PayPass?

Anonymous — Sat, 07 May 2016 19:35:36 GMT

@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?
The locations that have terminals to accept Contactless often are able to handle ApplePay as well. Not everywhere, but McDonalds, Bartells, and a local grocer can handle either.

Thanks for the reminder. I need to try my Apple Pay at the office cafeteria next to see if that works as well.

The advantage with using ApplePay is that my $1,500 Freedom card with the 10 points per swipe could be used for those $2.16 coffees, Freedom has no Contactless capabilities on the card itself.
Im I reading this right that there's a min points on Freedom? Is that unique to Freedom? I never knew. Very interesting.

Note: I'm a female who carries a backpack to work and not a separate purse. When I do carry a purse, I don't like a big one and I really prefer to just stuff what I need into my pockets.

For me, the issue is beyond juggling which card to use for which type of purchase depending on rotating categories, current goals, etc., thinking about where accepts Apple Pay just adds another layer. It may just be me, but the car I got last year with push button start (don't need keys out) and being able to pay with a phone, while I love them...it's a lot of juggling and trying to come up with a routine for what to carry when and how, and what I need to move from backpack to pocket or purse after work. Ugh. I'm constantly looking for things or having to go back for things. Or starting to walk away from the car and realizing the key is in it.

Even remembering which stores now have chip readers and which you still swipe (we're about 50/50 around me) is a pain.

I ALMOST long for simpler times. Almost. (And I almost never think to pay with my Apple Watch, which I thought was one of the coolest things about it initially.)

Keep in mind that myFICO is probably not a representative sample of the general public. Most people seem to only really use a debit card, or maybe 1-2 credit cards at most. In that context it's much easier to remember to use Apple/Android Pay.

The bigger issue is that people aren't really demanding that stores support it. Which means that stores are turning on chip without turning on contactless, which means that people don't see the point in using it. The only real advantage right now for in-person domestic transactions is that they might be faster if the store supports chip, which has a good chance of eventually not happening that often thanks to Visa's attempt to speed things up.

On the other hand, if that rumor of Apple supporting Apple Pay for any online store pans out...