- Centurion Member
- Posts: 532
- Joined: Thu Jan 17, 2013 7:20 pm
- Location: United States
I just got back from vacation in the UK where I got a chance to use all those EMV chip cards I've been collecting over the last 18 months but as of now, haven't had an opportunity to use it in the United States.
First, if you've not been overseas, EMV terminals are EVERYWHERE. It's the norm now. Everyone I saw had chip cards and knew the proper process to make a purchase. Of course, all of their chip cards have pin numbers which is not the standard for US-based EMV cards that want a signature.
But in most cases, this wasn't a problem. I decided to use three different cards for the trip...my Chase Sapphire Preferred (the default travel card for the trip), the Amex Platinum card (used once when I left my wallet at the hotel and my wife was carrying her Amex) and the Penfed Platinum Rewards card. Only the Penfed card actually had a pin number assigned, but the times I tried to use it, I still had to do a signature. EMV can be programmed for priority, so I think that Chip and Sig is dominate with Chip and Pin as a fall back.
The big problem I see in the months leading up to the rollout of EMV in the United States is a simple training usage. Swipe cards literally mandate that you swipe the card physically through the device. EMV cards demand that you put the card in and leave it during the transaction. The first time I tried this, I put the EMV card in properly to the slot, then swiped out my card after 30 years of habit doing swipes. You have to learn to leave the card in until the machine says you can remove it.
Most people working POS terminals understood that they would likely see a signature being the final outcome of a sale with some EMV cards and were ok with it. Occasionally you got someone who wasn't use to this which required explaining that it was a US based card and all of them require signatures. Most transactions took a little longer to process than the local cards others were holding...but they did work.
EMV worked pretty much all over the place...hotels, car rental, restaurants (both in London and the countryside), the London Underground for Oyster passes, etc. The only time I couldn't get my card to be accepted was at a parking kiosk way out at the Avebury Stone Circle in the English countryside. Neither the CSP or the Penfed card worked. I thought the machine needed a pin code but the Penfed was rejected as well.
Most of the POS terminals were Ingencino branded, although there were a few other types noted. One thing I noticed was that no gas pumps in England had the ability to take cards....you pumped and then went inside to pay.
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)