topic Re: How to use an EMV card? in Credit Cards

How to use an EMV card?

creditconcept — Sun, 05 Oct 2014 21:18:34 GMT

Ok, so the issue im running into is not EMV acceptance, because all the shops around here seem to take EMV cards, it is the cashieers and baristas.

Everytime I hand them a card with an EMV, they swipe it and then the terminal says insert the card instead. I have not met one person yet who is familiar enough to process and EMV transaction, sot they end up telling me "the card was not working" or something. I never tell them how to actually do it though.

What should I do?

-Thanks

Re: How to use an EMV card?

Anonymous — Sun, 05 Oct 2014 21:32:06 GMT

Insert it.

Re: How to use an EMV card?

Shock — Sun, 05 Oct 2014 21:48:27 GMT

Refer to this picture: Most terminals will have something similar where you can insert under the physical keyboard: Just make sure card is face up and emv chip is in the machine.

However, when it comes to places that dont have the terminal, such as Starbucks, I'm not sure. They have to have it though. The magnetic strip still works where the chip is not accepted. So that means somewhere on their system they have a emv chip reader that they are oblivious to. Tell them to get a manager. They should know.

Re: How to use an EMV card?

Luscher — Sun, 05 Oct 2014 21:50:31 GMT

If they have EMV enabled you must insert the card, if they don't have EMV enabled you just swipe it as normal.

Re: How to use an EMV card?

gh17 — Sun, 05 Oct 2014 21:52:38 GMT

Interesting.... my Citi card has a chip but I've always just used it like a normal card. I don't really travel or anything.

Re: How to use an EMV card?

Shock — Sun, 05 Oct 2014 21:56:16 GMT

They are becoming more and more common here. Some places like Walmart have already adopted it. Albeit all chip and signature. Does anybody know if come 10/2015, it will be chip and pin?

Re: How to use an EMV card?

Anonymous — Sun, 05 Oct 2014 22:02:01 GMT

machines should have place to insert emv chip card from either top or bottom of the machine. I think there are plenty of people who doesn't know about emv chip enabled card and how it works.

and I hope it's chip & pin AND added extra security password for online shopping, so that there's less risk of stolen card being used, let's face it, when it comes to swipe and signature, only about 10-20% actually checks ID, unless it's major purchase. my bro's (who's in CA) card number got stolen, well i think it was more of duplicated card somehow and jackass with my brother's duped card was able to run 600 bucks at ikea without an issue.

Re: How to use an EMV card?

lg8302ch — Sun, 05 Oct 2014 22:04:51 GMT

@Anonymous wrote:
machines should have place to insert emv chip card from either top or bottom of the machine. I think there are plenty of people who doesn't know about emv chip enabled card and how it works.

lol... I am in Europe and I am amused that sales persons constantly want to stop me to slide the card on the side... it is over 10 years customers stick in their cards on the botton or on top and me coming to slide them on the side. Sometimes I have to fight to let me swipe. Never thought it could be the other way around in the US with chip..ha ha

Re: How to use an EMV card?

Anonymous — Sun, 05 Oct 2014 22:09:32 GMT

@lg8302ch wrote:
@Anonymous wrote:
machines should have place to insert emv chip card from either top or bottom of the machine. I think there are plenty of people who doesn't know about emv chip enabled card and how it works.
lol... I am in Europe and I am amused that sales persons constantly want to stop me to slide the card on the side... it is over 10 years customers stick in their cards on the botton or on top and me coming to slide them on the side. Sometimes I have to fight to let me swipe. Never thought it could be the other way around in the US with chip..ha ha

And even if you use a US chip card, it's (probably) going to spit out a signature slip, still confusing the European sales people! We need chip&pin ASAP....

Re: How to use an EMV card?

Anonymous — Sun, 05 Oct 2014 22:15:10 GMT

@lg8302ch wrote:
@Anonymous wrote:
machines should have place to insert emv chip card from either top or bottom of the machine. I think there are plenty of people who doesn't know about emv chip enabled card and how it works.
lol... I am in Europe and I am amused that sales persons constantly want to stop me to slide the card on the side... it is over 10 years customers stick in their cards on the botton or on top and me coming to slide them on the side. Sometimes I have to fight to let me swipe. Never thought it could be the other way around in the US with chip..ha ha

I posted this before, but when i first moved to europe, the bank issued me debit card with emv chip enabled, I never used one before, so I just swiped the card without thinking, the cashier thought I stole the card, so she canceled the transaction and gave me the look AND asked for my ID (thank god I was carrying a passport back then)

Re: How to use an EMV card?

mongstradamus — Sun, 05 Oct 2014 22:17:48 GMT

@Anonymous wrote:
@lg8302ch wrote:
@Anonymous wrote:
machines should have place to insert emv chip card from either top or bottom of the machine. I think there are plenty of people who doesn't know about emv chip enabled card and how it works.
lol... I am in Europe and I am amused that sales persons constantly want to stop me to slide the card on the side... it is over 10 years customers stick in their cards on the botton or on top and me coming to slide them on the side. Sometimes I have to fight to let me swipe. Never thought it could be the other way around in the US with chip..ha ha
I posted this before, but when i first moved to europe, the bank issued me debit card with emv chip enabled, I never used one before, so I just swiped the card without thinking, the cashier thought I stole the card, so she canceled the transaction and gave me the look AND asked for my ID (thank god I was carrying a passport back then)

One of these days i am going to remember to try and use csp at cvs that has emv reader!!! I guess i could use freedom there also since i just got converted to visa freedom.

Re: How to use an EMV card?

lg8302ch — Sun, 05 Oct 2014 22:25:53 GMT

@Anonymous wrote:
@lg8302ch wrote:
@Anonymous wrote:
machines should have place to insert emv chip card from either top or bottom of the machine. I think there are plenty of people who doesn't know about emv chip enabled card and how it works.
lol... I am in Europe and I am amused that sales persons constantly want to stop me to slide the card on the side... it is over 10 years customers stick in their cards on the botton or on top and me coming to slide them on the side. Sometimes I have to fight to let me swipe. Never thought it could be the other way around in the US with chip..ha ha
And even if you use a US chip card, it's (probably) going to spit out a signature slip, still confusing the European sales people! We need chip&pin ASAP....

+1 .. definitely need chip and pin and also contactless payment. This is my new favorite payment option because merchants that have a minimum for credit card payments accept contactless with no restrictions and this is convenient instead of cash payment for me. Just place the card on top of the terminal or on the side and done.. no signature, no pin but only up to 40USD. Like this Cembra (former GE Moneybank) gets some use again until US cards come with this option

Re: How to use an EMV card?

Anonymous — Sun, 05 Oct 2014 22:31:41 GMT

@lg8302ch wrote:
@Anonymous wrote:
@lg8302ch wrote:
@Anonymous wrote:
machines should have place to insert emv chip card from either top or bottom of the machine. I think there are plenty of people who doesn't know about emv chip enabled card and how it works.
lol... I am in Europe and I am amused that sales persons constantly want to stop me to slide the card on the side... it is over 10 years customers stick in their cards on the botton or on top and me coming to slide them on the side. Sometimes I have to fight to let me swipe. Never thought it could be the other way around in the US with chip..ha ha
And even if you use a US chip card, it's (probably) going to spit out a signature slip, still confusing the European sales people! We need chip&pin ASAP....
+1 .. definitely need chip and pin and also contactless payment. This is my new favorite payment option because merchants that have a minimum for credit card payments accept contactless with no restrictions and this is convenient instead of cash payment for me. Just place the card on top of the terminal or on the side and done.. no signature, no pin but only up to 40USD. Like this Cembra (former GE Moneybank) gets some use again until US cards come with this option

like paypass? i remember back in 2007 or something mastercard and discover having paypass, which I tried and worked only once, hmmm... i wonder whatever happened to it. isn't that like google wallet and apple pay thing? personally I would never use those (though I should look up how it works) the possibility of being hacked or lost/stolen cellphone being used... i don't even wanna think about the headache you have to deal with in bad situation.

Re: How to use an EMV card?

DaveSignal — Sun, 05 Oct 2014 22:46:57 GMT

The one time that I tried my EMV card at a Walmart in US, it didn't read my card correctly the first time and I had to fiddle with it. The chip reader was also slanted so i practically had to squat to see the place to insert it. And the guy behind me in line was quite curious as to what was going on.

I have never experienced anything like that in UK, where I use my EMV cards daily. I just don't think that Wal-Mart (and probably other US EMV adopters) have it implemented in the most customer-friendly way yet.

Re: How to use an EMV card?

lg8302ch — Sun, 05 Oct 2014 22:49:50 GMT

@Anonymous wrote:
@lg8302ch wrote:
@Anonymous wrote:
@lg8302ch wrote:
@Anonymous wrote:
machines should have place to insert emv chip card from either top or bottom of the machine. I think there are plenty of people who doesn't know about emv chip enabled card and how it works.
lol... I am in Europe and I am amused that sales persons constantly want to stop me to slide the card on the side... it is over 10 years customers stick in their cards on the botton or on top and me coming to slide them on the side. Sometimes I have to fight to let me swipe. Never thought it could be the other way around in the US with chip..ha ha
And even if you use a US chip card, it's (probably) going to spit out a signature slip, still confusing the European sales people! We need chip&pin ASAP....
+1 .. definitely need chip and pin and also contactless payment. This is my new favorite payment option because merchants that have a minimum for credit card payments accept contactless with no restrictions and this is convenient instead of cash payment for me. Just place the card on top of the terminal or on the side and done.. no signature, no pin but only up to 40USD. Like this Cembra (former GE Moneybank) gets some use again until US cards come with this option
like paypass? i remember back in 2007 or something mastercard and discover having paypass, which I tried and worked only once, hmmm... i wonder whatever happened to it. isn't that like google wallet and apple pay thing? personally I would never use those (though I should look up how it works) the possibility of being hacked or lost/stolen cellphone being used... i don't even wanna think about the headache you have to deal with in bad situation.

It is PayPass .. just need to hold the card close to the terminal, wait, and payment is done. The latest generation of chip terminals have this feature integrated. It is especially useful as many merchants in Europe have a min payment with credit card but contactless works with any amount.. so a pack of gum with rewards..lol

Re: How to use an EMV card?

Shock — Sun, 05 Oct 2014 22:56:38 GMT

as far as contactless, there is Isis (now Softcard) for Androids and Apple Pay is coming soon for iphones..

Re: How to use an EMV card?

b_diddy — Sun, 05 Oct 2014 22:57:25 GMT

@creditconcept wrote:
Ok, so the issue im running into is not EMV acceptance, because all the shops around here seem to take EMV cards, it is the cashieers and baristas.
Everytime I hand them a card with an EMV, they swipe it and then the terminal says insert the card instead. I have not met one person yet who is familiar enough to process and EMV transaction, sot they end up telling me "the card was not working" or something. I never tell them how to actually do it though.
What should I do?
-Thanks

I've become pretty good with using my EMV cards at Walmart, Sam's and a few other places I've come across a reader. The trick for me has been to ensure you a putting the chip end in first with the front of the card up. If you put it in the other way, it will error out. Leave it in the machine until it asks for confirmation of the amount or it will also error out. I recently used my Amex PRG in London at a restaurant and they didn't understand that you could have a chip without a pin so ended up swiping it anyway.

Re: How to use an EMV card?

slicemans — Sun, 05 Oct 2014 23:08:32 GMT

So which stores have their chip and pin terminal activated? I know Walrmart, I dont think West coast has it yet. Home depot said they will activate some of heirs end of 2014.

Re: How to use an EMV card?

Anonymous — Sun, 05 Oct 2014 23:37:06 GMT

@b_diddy wrote:
I recently used my Amex PRG in London at a restaurant and they didn't understand that you could have a chip without a pin so ended up swiping it anyway.

How did they do that? They had something that was not EMV, or they were able to override?

Re: How to use an EMV card?

ezdoesit — Sun, 05 Oct 2014 23:52:51 GMT

@Shock wrote:
as far as contactless, there is Isis (now Softcard) for Androids and Apple Pay is coming soon for iphones..

Softcard has a great promo right now for every card you link to softcard and use they give you $20. It doesn't say anything about a minimum just pay using softcard. I just have to figure out who accepts softcard payments.