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View Poll Results: Have you been able to use PIN-and-Signature debit/credit card in your city?
YES 16 84.21%
NO 3 15.79%
Voters: 19. You may not vote on this poll

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Old 10-06-2015, 04:30 AM
 
525 posts, read 618,227 times
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So far in Bay Area, California, I only have seen Target switched it on. Many others have chip readers but did not activate it (panera bread, Sprouts, Trader's Joe). But these others have already turned on Android or Apple Pay that is more secure than magnetic swap.

Some did not even upgraded terminals yet (Safeway).

Most restaurants still use the old swap.
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Old 10-06-2015, 07:41 AM
 
Location: Milwaukee
3,451 posts, read 3,397,432 times
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Lots of people in certain neighborhoods have had issues with stolen info in Milwaukee (and I assume many cities) - I assume that's what this is about?
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Old 10-06-2015, 09:27 AM
 
Location: Queen Creek, AZ
5,203 posts, read 7,887,733 times
Reputation: 2719
Here in Arizona, the chip readers have been activated so far by Walmart, Target, Home Depot, Walgreens, and Dairy Queen.
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Old 10-06-2015, 10:45 AM
 
525 posts, read 618,227 times
Reputation: 197
Quote:
Originally Posted by cheese plate View Post
Lots of people in certain neighborhoods have had issues with stolen info in Milwaukee (and I assume many cities) - I assume that's what this is about?
Lots of people got their credit cards compromised (its not difficult to clone magnetic cards) or their CC info stolen at massive Target breach last year. I know some casinos in Las Vegas had issue with that too. It took us more than a decade to start transitioning to CHIP-and-PIN cards which the world outside the US already uses (staring from PIN-and-Signature) but we are finally getting there.

ApplePay and Android Pay which is different newer NFC enabled technology from smartphone is already accepted in more places but adoption is sparse. Some accept only ApplePay while some both Its more secure than swiping too because you don't send real credit card information when you tag and you have to activate with your finger print.
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Old 10-06-2015, 11:07 AM
 
Location: Albuquerque, New Mexico
1,385 posts, read 1,691,315 times
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I thought the new terminals were supposed to be able to take both the old, magnetic strip cards and the new chip cards?

I haven't went to the store since the deadline passed, but I'm planning to go to Walmart tonight, so I may be able to find out for sure then.

I know that I read in my local newspaper last week that Walmart was planning to have the new terminals in place by the deadline in order to accept the new chip cards.

As for me, I still have an old, magnetic strip card. In fact, I just got this card in April of this year and it's not going to expire until 2018. I haven't heard anything nor received a new chip card from my bank, so I don't think I will get one until my current card expires in 2018 or if I have to get a new one before then.

I remember in that article it did say that the industry doesn't expect the old-style cards to be completely gone for a few years. That's why I believe that these new chip-enabled terminals will be backward compatible with the magnetic strip cards.
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Old 10-06-2015, 11:11 AM
 
Location: MMU->ABE->ATL->ASH
9,126 posts, read 17,141,418 times
Reputation: 9980
2 of 4 of my credit cards are Chipped.

Most of the stores i've been to have Chip readers. All of them have a swipe reader as part of them.
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Old 10-06-2015, 12:14 PM
 
Location: Milwaukee
3,451 posts, read 3,397,432 times
Reputation: 2895
Quote:
Originally Posted by kyle242 View Post
Lots of people got their credit cards compromised (its not difficult to clone magnetic cards) or their CC info stolen at massive Target breach last year. I know some casinos in Las Vegas had issue with that too. It took us more than a decade to start transitioning to CHIP-and-PIN cards which the world outside the US already uses (staring from PIN-and-Signature) but we are finally getting there.

ApplePay and Android Pay which is different newer NFC enabled technology from smartphone is already accepted in more places but adoption is sparse. Some accept only ApplePay while some both Its more secure than swiping too because you don't send real credit card information when you tag and you have to activate with your finger print.
I'm no expert here, in fact my knowledge of this technology is quite low, but ApplePay and so forth are fairly common here. One issue has been stolen information and usage from people with software to read it (i.e., not the business itself). I'm not entirely sure how this works, but it's been a problem over the last year, especially hearing this out of the Riverwest neighborhood where a good dozen of my friends have had this happen. Generally there are small purchases made on the card, random stuff like groceries and so on...
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Old 10-06-2015, 12:22 PM
 
Location: MMU->ABE->ATL->ASH
9,126 posts, read 17,141,418 times
Reputation: 9980
Starting 10/1 Merchants are responsible for all transactions if the Card Holder Card has a chip in it, and they do not have a chip reader, and use a swipe reader.

The Chip in the card was done so there is a link, and direct encrypted transaction between the physical card, and the Payment server.

If some one does a swipe copy of the MagStrip on your card, and the merchant accepts it they will be libile for the charges made even if the MagStrip was from a stolen card number , as the Chip is next to impossible to copy, MC/VI/AX .... are have changed there agreement that hold the merchant responsible for Chipped cards, that are swiped.
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Old 10-06-2015, 02:27 PM
 
6,497 posts, read 4,076,481 times
Reputation: 16800
I've only been able to use them at Target and Walmart. Many other retailers have the chip reader, but it's not activated.

And yes, you can still swipe credit cards. But if your card has a chip, and the chip reader is activated, you have to use it.
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Old 10-07-2015, 10:35 AM
 
Location: Albuquerque, New Mexico
1,385 posts, read 1,691,315 times
Reputation: 1719
Quote:
Originally Posted by ABQalex View Post
I thought the new terminals were supposed to be able to take both the old, magnetic strip cards and the new chip cards?

I haven't went to the store since the deadline passed, but I'm planning to go to Walmart tonight, so I may be able to find out for sure then.

I know that I read in my local newspaper last week that Walmart was planning to have the new terminals in place by the deadline in order to accept the new chip cards.

As for me, I still have an old, magnetic strip card. In fact, I just got this card in April of this year and it's not going to expire until 2018. I haven't heard anything nor received a new chip card from my bank, so I don't think I will get one until my current card expires in 2018 or if I have to get a new one before then.

I remember in that article it did say that the industry doesn't expect the old-style cards to be completely gone for a few years. That's why I believe that these new chip-enabled terminals will be backward compatible with the magnetic strip cards.
So I went to Walmart and yes they indeed do have the new terminals in place. But they aren't all that different-looking than I thought they might be. And, yes, as others mentioned after me, they do accept the old-style cards.

I remember in the article it mentioned that the terminal will not release your card from the slot until the transaction has been completed, approved or denied. They said this has led to longer wait times in line at stores that already had the new system in place.

I can't imagine how much this is going to add to the overall long lines at places such as Walmart.

I also thought I'd mention that this was the first time I ever saw a Walmart decorated for Halloween. They had fake spider webs and paper cutouts of witches, bats, etc. on the poles next to each checkout stand. I liked it.
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