JCPenney Has Reinstated Apple Pay in All Retail Locations

I don't understand this. They had to support contactless payments and so the suspended the places that already accepted it? That still doesn't really explain why they pulled it from their App.

Both contactless and app-based Apple Pay operates in two modes. One is EMV, which is a slight extension on regular chip. The second legacy method is MSD, where it basically sends magnetic stripe data, except with a dynamic CVV1 value.

MSD is more secure than a static magstripe but less secure than EMV. Basically you can clone everything except the 3 digit number. MSD was designed so you could basically stuff it in existing magstripe systems.

Visa banned ('https://www.visa.com/chip/merchants/grow-your-business/payment-technologies/credit-card-chip/docs/emv-newsletter-april-may2018.pdf') the MSD mode of operation in April this year. One of the reasons they said was most foreign banks don't support MSD, so it would fail. The other reason they said was that many merchants screwed up MSD data, which I've observed where some cards work and some cards don't at the same place.

JC Penney apparently hadn't migrated in time, so they chose to disable the whole contactless system until they updated. Otherwise, they could only accept non-Visa cards through Apple Pay.

This is one of the problems with EMV, there's multiple certifications and testing you need every time you change something. There were major backlogs around the time of the liability shift in 2015.

"Popular"???

Perhaps in the 1970s and 1980s.

It is good they are adding it back in, not that I can recall the last time I was inside a JCP store.

We were in Europe for a few weeks back in May and pretty much everywhere supported Apple Pay, with only two exceptions: someplace in Spain and one place said that you were limited to 30 GBP using Apple Pay which was crazy.

Always amazes me seeing articles like this, and the fact that this is the way it works in the US. Coming from Australia, its hard to find a retailer that doesn’t take Apple Pay/Contactless Payments

Great that Apple Pay is on. Unfortunately, there are no actual cashiers at any of the registers so who cares?

Shortened announcement... JC Penny has reinstated Apple Pay in all 10 locations.

every time i see a jcp post i'm amazed they are still around)

At least they’re doing better than Sears which has been ripped apart by Eddie Lampart with some help from his friend Steve Mnuchin.

JCPenney, a popular department store in the United States, this month said that it has reactivated contactless payments options including Apple Pay in all of its retail stores.

That's awesome. I am waiting for Publix to do the same thing. They made a mistake on Twitter few weeks back.

Retail sector isn't doing well enough that they can arbitrarily restrict payment methods? Shocker.

A third-party credit card brand made the requirement for all merchants to actively support EMV contactless functionality effective April 13, retiring the legacy MSD contactless technology in place. Given the resources and lead time associated with meeting the new mandate, JCPenney chose to suspend all contactless payment options until a later date.

I don't understand this. They had to support contactless payments and so the suspended the places that already accepted it? That still doesn't really explain why they pulled it from their App.

Like this is going to move the needle :rolleyes: JCP will probably go out of business anyway.