My first "EMV" chip experience

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dragon452
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My first "EMV" chip experience

Postby dragon452 » Sat Nov 01, 2014 8:14 pm

I bought a new battery and brake service from a large nationally known tire dealer (a chain, many dozens of locations). HALLELUJAH...they had Verifone chip readers, so I finally got to use the chip on my replacement Chase Freedom Visa card. I insert the card and leave it in the reader: nothing happens (on the LED screen). The counter guy tells me to do it again...I do it again, nothing happens again. Third time, same. FOURTH TIME: same. So, I tell the guy: "let me just swipe the card the old way"...that one went through immediately, and I signed on the screen with the plastic pen, got my receipt. okay, no big deal. Being a bit paranoid about my credit cards, I called Chase customer service a couple of hours later to check on this transaction, and this is what the agent told me: The transaction was authorized five times (which is exactly how many times my card was read). The agent said there must be a problem with the vendor's terminals or computer system, as the transactions never completed at that store's terminal when I was there. Anyway, Chase told me to wait a couple of days for posting to go through, and the four duplicate authorizations either won't go through anyway, or if they do get posted, Chase will file a dispute for this OBVIOUS error. This was my first "EMV" experience, and I am impressed...negatively. Just blowing off steam, thanks for indulging me.


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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Nov 01, 2014 8:48 pm

I requested chips in September and got them on most of my cards. My local retailers still overwhelmingly swipe chipped cards.

I am surprised there are so many problems when the basic technology has been in other countries for so long.

It's nice that all my issuers have apps I can use on my phone. Hopefully I'll be able to show the retailer with my phone that a pending transaction already exists if they want me to run the card again. Or, if they don't trust me, I know I need to dispute the second charge.
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PlyrStar93
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Postby PlyrStar93 » Sat Nov 01, 2014 9:17 pm

My only proactive EMV experiences are when I am in 7-11 and Subway where they have EMV slots. I inserted my Citi card and nothing happened. Just swiped and it went through.

On yesterday I went to a restaurant with my friend and I knew they used chip according to the credit card slip.

I do see Target has replaced their terminals not too long ago, but their EMV slots are not open for insertion.
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MB131174
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Postby MB131174 » Sun Nov 02, 2014 7:01 am

From past experiences I'm going to stir up a hornets nest by saying: I can't wait for my Discover to get the chip & PIN feature. My Diners Club is chip & PIN and I got to use it last month in Europe and I couldn't believe how much faster PIN transactions process than the chip & siggy. I just don't understand people who think entering 4 digits (that will be able to be changed once ATM's have chip readers) and pressing the "OK" or "green" button is going to be a hassle. Maybe having to sign a long last name has me jumping for joy over a PIN.
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takeshi
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Postby takeshi » Mon Nov 03, 2014 9:16 am

Sounds like they're not fully enabled. The terminal shouldn't allow swiping if the card is identified as EMV.

PlyrStar93 wrote:My only proactive EMV experiences

How were the experiences proactive?

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lobbythis
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Postby lobbythis » Mon Nov 03, 2014 10:17 am

takeshi wrote:Sounds like they're not fully enabled. The terminal shouldn't allow swiping if the card is identified as EMV.



This has happened to me so many times as I'm just not used to noticing EMV terminals yet.

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PlyrStar93
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Postby PlyrStar93 » Mon Nov 03, 2014 10:45 am

takeshi wrote:Sounds like they're not fully enabled. The terminal shouldn't allow swiping if the card is identified as EMV.


How were the experiences proactive?

Basically when I saw the EMV slot I chose to insert the card instead of swiping. Nothing happened though. Last time when the first EMV transaction actually went through was the restaurant waiter, instead of me, used the chip.

The terminal should block magnetic strip when it recognizes the card is chip enabled. But it seems even if merchants already have EMV POS, many of them disable the EMV slot.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

Reclusive46
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Postby Reclusive46 » Mon Nov 03, 2014 12:11 pm

PlyrStar93 wrote:Basically when I saw the EMV slot I chose to insert the card instead of swiping. Nothing happened though. Last time when the first EMV transaction actually went through was the restaurant waiter, instead of me, used the chip.

The terminal should block magnetic strip when it recognizes the card is chip enabled. But it seems even if merchants already have EMV POS, many of them disable the EMV slot.


I can see that restaurant situation being awkward if the card requires a PIN. It's going to mean the customer is going to have to go to the machine and enter their PIN (Unless their terminal is mobile).
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Postby Berk » Mon Nov 03, 2014 12:30 pm

I am currently residing in Deep East Texas and working in Western Louisiana for a year - 6 more months to go. Walmart and Lowes are the only two retailers to have their POS terminals set up for chips (chip and sig though). A few of the grocery/convenience stores have them as well but they are only set up for EBT transactions. Cashiers look at me funny when I put an obvious credit card in an EBT slot and expect it to go through!

On a positive note - the people are great and the food is some of the best I have ever eaten.
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MB131174
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Postby MB131174 » Mon Nov 03, 2014 5:44 pm

Reclusive46 wrote:I can see that restaurant situation being awkward if the card requires a PIN. It's going to mean the customer is going to have to go to the machine and enter their PIN (Unless their terminal is mobile).


In the Netherlands most places have a mobile terminal. It's great. Card never leaves your site. Quick. Easy. Voilà.
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