Any drawbacks to EMV chips?

[nyancat]

Walmart didn't disable it but they disabled enforcement. Without enforcement there is very little security benefit as someone can still use a cloned magnetic stripe. They disabled it because of customer acceptance issues. It will presumably be enabled again but only once other stores do so they are not alone. It's very concerning and I've been boycotting Walmart over this. I hope no one else decides to engage in such unacceptable, insecure practice.

[Shock]

IME Target (Bay Area) doesn't even have the chip readers yet. I'm thinking a little harder and I think they may have. Can somebody correct me, I think the chip reader had a blue LED/light?

As far as Walmart, it may have been the reader, but it took way too long to process. THen another Walmart in the same city didn't even have the chip reader. LOL.

[Shock]

Hmmmmm...another potential drawback is that it takes way to look to verify? At least for chip & signature in my experience. Because it physically needs to print a paper and I need to sign, it takes longer than if I were to just swipe on the terminal and hit the corresponding buttons. It seems more streamlined that way.

And what if you're eating at a restaurant and your server swipes your card? Will those still be magnetic strip or EMV chip reader? Either way will be signature but just curous.

[Anonymous]

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@Shock wrote:

IME Target (Bay Area) doesn't even have the chip readers yet. I'm thinking a little harder and I think they may have. Can somebody correct me, I think the chip reader had a blue LED/light?

As far as Walmart, it may have been the reader, but it took way too long to process. THen another Walmart in the same city didn't even have the chip reader. LOL.

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targe near my house (east bay) don't have chip readers yet. there's another target in this city but I haven't been there in a while. oh and when I used diners at walmart, it took about same time as regular debit card.

[nyancat]

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@Shock wrote:

IME Target (Bay Area) doesn't even have the chip readers yet. I'm thinking a little harder and I think they may have. Can somebody correct me, I think the chip reader had a blue LED/light?

As far as Walmart, it may have been the reader, but it took way too long to process. THen another Walmart in the same city didn't even have the chip reader. LOL.

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All Target and Walmart locations have chip readers. Target has Verifone MX 925's in every store, they have the chip readers disabled and blocked with a piece of plastic. Yes, Verifone chip readers glow blue.

Walmart also has chip readers in every store, with at least four different models of terminal. They are all "enabled" according to Walmart, but their definition of enabled is different from mine. Chip transactions are allowed, but they are not enforcing that chip cards use the chip. Without enforcing this, no protection against counterfeit cards is provided. 

Target will enable theirs early next year. Hopefully properly.

[nyancat]

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@Shock wrote:

Hmmmmm...another potential drawback is that it takes way to look to verify? At least for chip & signature in my experience. Because it physically needs to print a paper and I need to sign, it takes longer than if I were to just swipe on the terminal and hit the corresponding buttons. It seems more streamlined that way.

And what if you're eating at a restaurant and your server swipes your card? Will those still be magnetic strip or EMV chip reader? Either way will be signature but just curous.

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It takes a couple seconds longer, yes. Paper vs electronic signature is up to the merchant.

[slicemans]

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@nyancat wrote:

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@Shock wrote:

IME Target (Bay Area) doesn't even have the chip readers yet. I'm thinking a little harder and I think they may have. Can somebody correct me, I think the chip reader had a blue LED/light?

As far as Walmart, it may have been the reader, but it took way too long to process. THen another Walmart in the same city didn't even have the chip reader. LOL.

---

All Target and Walmart locations have chip readers. Target has Verifone MX 925's in every store, they have the chip readers disabled and blocked with a piece of plastic. Yes, Verifone chip readers glow blue.

Walmart also has chip readers in every store, with at least four different models of terminal. They are all "enabled" according to Walmart, but their definition of enabled is different from mine. Chip transactions are allowed, but they are not enforcing that chip cards use the chip. Without enforcing this, no protection against counterfeit cards is provided. 

Target will enable theirs early next year. Hopefully properly.

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Does walmart have it in self checkout? 

[nyancat]

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@slicemans wrote:

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@nyancat wrote:

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@Shock wrote:

IME Target (Bay Area) doesn't even have the chip readers yet. I'm thinking a little harder and I think they may have. Can somebody correct me, I think the chip reader had a blue LED/light?

As far as Walmart, it may have been the reader, but it took way too long to process. THen another Walmart in the same city didn't even have the chip reader. LOL.

---

All Target and Walmart locations have chip readers. Target has Verifone MX 925's in every store, they have the chip readers disabled and blocked with a piece of plastic. Yes, Verifone chip readers glow blue.

Walmart also has chip readers in every store, with at least four different models of terminal. They are all "enabled" according to Walmart, but their definition of enabled is different from mine. Chip transactions are allowed, but they are not enforcing that chip cards use the chip. Without enforcing this, no protection against counterfeit cards is provided. 

Target will enable theirs early next year. Hopefully properly.

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Does walmart have it in self checkout? 

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Yes, that's one of the reasons they disabled enforcement - customers were having a hard time figuring out how to use it at self checkout. At their US locations, Walmart mounts the terminals vertically in the self checkout "hiding" the chip slot. 

[NRB525]

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@nyancat wrote:

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@slicemans wrote:

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@nyancat wrote:

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@Shock wrote:

IME Target (Bay Area) doesn't even have the chip readers yet. I'm thinking a little harder and I think they may have. Can somebody correct me, I think the chip reader had a blue LED/light?

As far as Walmart, it may have been the reader, but it took way too long to process. THen another Walmart in the same city didn't even have the chip reader. LOL.

---

All Target and Walmart locations have chip readers. Target has Verifone MX 925's in every store, they have the chip readers disabled and blocked with a piece of plastic. Yes, Verifone chip readers glow blue.

Walmart also has chip readers in every store, with at least four different models of terminal. They are all "enabled" according to Walmart, but their definition of enabled is different from mine. Chip transactions are allowed, but they are not enforcing that chip cards use the chip. Without enforcing this, no protection against counterfeit cards is provided. 

Target will enable theirs early next year. Hopefully properly.

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Does walmart have it in self checkout? 

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Yes, that's one of the reasons they disabled enforcement - customers were having a hard time figuring out how to use it at self checkout. At their US locations, Walmart mounts the terminals vertically in the self checkout "hiding" the chip slot. 

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Good info, nyancat. Disturbing, but good to know.

[nyancat]

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@NRB525 wrote:

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@nyancat wrote:

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@slicemans wrote:

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@nyancat wrote:

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@Shock wrote:

IME Target (Bay Area) doesn't even have the chip readers yet. I'm thinking a little harder and I think they may have. Can somebody correct me, I think the chip reader had a blue LED/light?

As far as Walmart, it may have been the reader, but it took way too long to process. THen another Walmart in the same city didn't even have the chip reader. LOL.

---

All Target and Walmart locations have chip readers. Target has Verifone MX 925's in every store, they have the chip readers disabled and blocked with a piece of plastic. Yes, Verifone chip readers glow blue.

Walmart also has chip readers in every store, with at least four different models of terminal. They are all "enabled" according to Walmart, but their definition of enabled is different from mine. Chip transactions are allowed, but they are not enforcing that chip cards use the chip. Without enforcing this, no protection against counterfeit cards is provided. 

Target will enable theirs early next year. Hopefully properly.

---

Does walmart have it in self checkout? 

---

Yes, that's one of the reasons they disabled enforcement - customers were having a hard time figuring out how to use it at self checkout. At their US locations, Walmart mounts the terminals vertically in the self checkout "hiding" the chip slot. 

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Good info, nyancat. Disturbing, but good to know.

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Thanks - we won't really know how it'll play out until next year. By not following their recommendations, Walmart's current system is supposedly not liability shift compliant. Thus, they'll have to enforce service codes eventually. I hope others enforce it from launch date. Otherwise, the customer confusion will be massive. It's much easier to teach customers while the installed base is small....

I think Walmart should re-mount their self-checkout terminals, for one thing. The installation of them is silly in an EMV word. I get why they're angled down - wheelchair accessibility. But that's why the manned lanes have them on tilt mounts.