Difference between EMV Chips

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Solais
 
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Difference between EMV Chips

Postby Solais » Thu Jun 15, 2017 3:36 pm

Anyone ever notice EMV chips aren't made the same? CHASE cards have these huge EMV chips while most others like my Citi and Discover have smaller chips. Any difference in their features or function? Faster or slower to complete transaction?


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kcm7
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Re: Difference between EMV Chips

Postby kcm7 » Fri Jun 16, 2017 11:06 am

I believe speed of transaction is due to the merchant's technology -- not the size of the chip on your card.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

Tubpbs
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Re: Difference between EMV Chips

Postby Tubpbs » Fri Jun 16, 2017 5:07 pm

kcm7 wrote:I believe speed of transaction is due to the merchant's technology -- not the size of the chip on your card.


Agree but I have noticed that issuers have different chips.

They also show different chips in their card images on their websites than they actually issue. Amex shows big chips but issues with small. Chase does the opposite.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

augiedog
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Re: Difference between EMV Chips

Postby augiedog » Fri Jun 16, 2017 10:05 pm

Tubpbs wrote:
kcm7 wrote:I believe speed of transaction is due to the merchant's technology -- not the size of the chip on your card.


Agree but I have noticed that issuers have different chips.

They also show different chips in their card images on their websites than they actually issue. Amex shows big chips but issues with small. Chase does the opposite.


Amex uses the big chip on their ExpressPay cards (contact+contactless). You can request a contactless card from them (plus it looks neat on the clear cards). Otherwise, you get the smaller contact-only card by default.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

mountaindewvoltage
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Re: Difference between EMV Chips

Postby mountaindewvoltage » Sat Jul 01, 2017 1:43 am

augiedog wrote:
Tubpbs wrote:
kcm7 wrote:I believe speed of transaction is due to the merchant's technology -- not the size of the chip on your card.


Agree but I have noticed that issuers have different chips.

They also show different chips in their card images on their websites than they actually issue. Amex shows big chips but issues with small. Chase does the opposite.


Amex uses the big chip on their ExpressPay cards (contact+contactless). You can request a contactless card from them (plus it looks neat on the clear cards). Otherwise, you get the smaller contact-only card by default.


Yes, this exactly, and those ExpressPay cards should be standard issue, not opt in.



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