So there is a Zion Market (Asian grocery store) near me that I've been testing chip and NFC at for a while now. They use a combination FD100+FD35 PIN pad setup that isn't attached to their POS. I'm about 90% sure that First Data terminals, at least from this store's merchant processor/acquirer, actually recognize that Apple Pay was used. Stuff I've used there:
- Diner's Club card (chip and PIN) when inserted: asks for a PIN regardless of amount.
- Diner's Club card when tapped on reader: always asks for signature regardless of amount. Receipt does not show EMV related info (AID, etc.) indicating that the card does not support EMV contactless.
- American Express chip and signature card when inserted: always asks for signature regardless of amount.
- American Express chip and signature card when tapped: declined (haven't tried recently though).
- Bank of America debit card when inserted: always asks for signature regardless of amount. Debit option not provided on PIN pad.
- Apple Pay (various cards) when tapped: never asks for signature OR PIN regardless of amount. EMV information does appear on the customer receipt but no indication that a phone or other device was used. Merchant receipt says "no signature required" but I've not been able to see the entire receipt to see what else is on it.
Every time I use contactless there I have to push the Sale button on the PIN pad and tell the clerk that I want to pay "with credit". Sometimes I have to point at the terminal because they're expecting me to swipe, but the NFC light does come on once they enter the amount.
Anyway, just wanted to give some inspiration for those who are unhappy that some places ask for signature/PIN when using AP.
(BTW,
http://emvacceptedhere.com/ is tracking places that are chip-enabled. These locations are likely to be NFC enabled as well and not necessarily on the MasterCard Nearby app or website. It's not exhaustive though due to it being crowdsourced.)
I like how they're killing multiple birds with one stone here. This PIN pad setup satisfies many regulations and laws, and other things as well...
1. The law requiring you to have a customer display
2. The EMV card liability shift
3. apple pay wins too!
With this PIN pad alone they saved on not having to have a separate customer display, and the EMV liability shift while saying they accept Apple Pay!
Wait, what law requires a customer display? There are a lot of mom and pop stores around here that don't.
My local CVS just upgraded two of their terminals (looks like a slow roll out) these are MX925's with both internal AND external contactless. (Serial Number Checked and Verified with Verifone) Why? The only reason they would still be investing in these terminals is they most likely will turn it on once MCX allows them too.
I think MCX only supports CurrentC with certain terminals (possibly not the old Verifone ones that are in some CVS stores). It's probably why Walmart initially enabled chip with the really old green-screened Ingenico terminals at the one near me and later upgraded to brand new ones. Doesn't explain the external antenna though.
Every place I know of that turned on Chip & PIN also turned on contactless payments, which generally means, YES FOR APPLE PAY! The only ones I see not doing that are those god awful MCX members., who will turn on Chip & PIN, but not bother with contactless, their terminals will instead show a QR Code that you would scan.
The very cheapest terminals (e.g. the $99 Costco one) don't support NFC, at least not without buying extra stuff. I don't know how common these are though.
Chip and Pin works here now as well, with both Credit and Debit cards! (Much better than Walmart which i only doing Chin and Pin credit cards) AP MC still does not work, Visa/AMEX works fine.
Home Depot terminals don't support PIN at all right now. Inserting the Diner's Club card (a "true" chip and PIN card that's supposed to always ask for a PIN) results in a signature prompt, even for a $2 purchase.
