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Do their readers do contactless payment at all? Apple/Google Pay are just presenting your phone as a contactless payment card so it should work anywhere a physi

Do their readers do contactless payment at all? Apple/Google Pay are just presenting your phone as a contactless payment card so it should work anywhere a physical card can be used that way.

noodlesUK 3y ago
I believe they don't have NFC enabled on the terminals at all. Same with Walmart (allegedly, I haven't been there in a while). I've heard rumours that the reason for this is so they can do customer tracking more reliably, but I'm not sure how much more valuable an actual card PAN is than a DPAN if the DPAN isn't getting rotated.
- joshstrange 3y ago
  I’ve seen the data the reader gives us from a dip vs a tap (inserting your card vs NFC) and there is a difference. IIRC we would get the name on the card from a dip but not from a tap. In both cases we get the last 4 digits though.
  - phil21 3y ago
    At Home Depot at least they do this due (in part, if not in whole) to returns. Your virtual card number may change, since it’s generated every time you add it to a device. This breaks their easy return lookup where you simply present the item and your card, no receipt needed. I actually ran into exactly this when I tried to make a return to Target after losing my receipt. I had replaced my phone and the card number changed. Luckily for random reasons I had my old phone laying around still and was able to come back and return with that. Having done a receipt based return vs. dozens of card based returns at Home Depot, the staff time involved is orders of magnitude more so I understand why they would turn NFC off. Tracking may be part of this consideration too, but I’d speculate it’s secondary.
alistairSH 3y ago
Do their readers do contactless payment at all? US-based here... My local HD does NOT do contactless of any variety. It's chip or swipe. Same for my local Thai food carry-out. I would have sworn my local bicycle shop did contactless for cards only (but not devices) - I'll have to test that next time I'm there. It could just be that the pub/cafe side has a contactless reader but the retail side is chip/swipe-only (effectily two businesses in the same space and owned by the same person).

Do their readers do contactless payment at all? Apple/Google Pay are just presenting your phone as a contactless payment card so it should work anywhere a physical card can be used that way.

noodlesUK 3y ago

I believe they don't have NFC enabled on the terminals at all. Same with Walmart (allegedly, I haven't been there in a while). I've heard rumours that the reason for this is so they can do customer tracking more reliably, but I'm not sure how much more valuable an actual card PAN is than a DPAN if the DPAN isn't getting rotated.

joshstrange 3y ago
I’ve seen the data the reader gives us from a dip vs a tap (inserting your card vs NFC) and there is a difference. IIRC we would get the name on the card from a dip but not from a tap. In both cases we get the last 4 digits though.
- phil21 3y ago
  At Home Depot at least they do this due (in part, if not in whole) to returns. Your virtual card number may change, since it’s generated every time you add it to a device. This breaks their easy return lookup where you simply present the item and your card, no receipt needed. I actually ran into exactly this when I tried to make a return to Target after losing my receipt. I had replaced my phone and the card number changed. Luckily for random reasons I had my old phone laying around still and was able to come back and return with that. Having done a receipt based return vs. dozens of card based returns at Home Depot, the staff time involved is orders of magnitude more so I understand why they would turn NFC off. Tracking may be part of this consideration too, but I’d speculate it’s secondary.

alistairSH 3y ago

Do their readers do contactless payment at all? US-based here... My local HD does NOT do contactless of any variety. It's chip or swipe. Same for my local Thai food carry-out. I would have sworn my local bicycle shop did contactless for cards only (but not devices) - I'll have to test that next time I'm there. It could just be that the pub/cafe side has a contactless reader but the retail side is chip/swipe-only (effectily two businesses in the same space and owned by the same person).