02-16-2018 11:24 PM
26 12
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  1. TabGuy's Avatar
    I've been using Samsung Pay for two years and the only place I could never get it to work consistently is Lowes. But now I've found a roadblock that stops Samsung Pay in its tracks and I'm seeing it at more and more places. The problem is not that that Samsung Pay doesn't work, it does. The pinpad sees it as a card swipe just as it should. The problem is after the swipe when the pinpad asks me to enter the 3 digit CVV code that is normally found on the back of a credit card. AFAIK there's no such thing with Samsung Pay and, thus, I can't complete the transaction. I saw this twice recently, once at an Extra Mile gas station store.

    Does anyone know of a way around this?
    10-17-2017 10:11 AM
  2. Ca_lvn's Avatar
    Open SP look at your card if will be grayed out and there is a pin listed but I do believe its 4 digits says fir cashier ,never had this issue ,how about just hitting enter and processing as credit
    10-17-2017 10:18 AM
  3. TabGuy's Avatar
    Open SP look at your card if will be grayed out and there is a pin listed but I do believe its 4 digits says fir cashier ,never had this issue ,how about just hitting enter and processing as credit
    It IS a credit. It's not asking for a pin code, but the CVV code. The 3 digit security code that's printed on the back of the credit card.
    10-17-2017 10:47 AM
  4. Momof9Blessings's Avatar
    memorize the cvv code?
    rdubmu likes this.
    10-17-2017 11:12 AM
  5. bigredgonzo's Avatar
    Unfortunately, the CVV on your real card is specific to that card. The card number used by Samsung Pay is a card number generated by Samsung Pay and your bank to help avoid fraud. This number changes periodically also. I have never seen a POS machine ask for a CVV number, but I can see where that would put a hamper on using an electronic pay gadget. My wife is a banker and deals regularly with POS service and she says that she has never heard of a machine asking for the CVV code. I would suggest that the OP make sure their bank has their card set up correctly for Samsung Pay. According to the folks at my wife's bank, each service, i.e. Samsung Pay, iPay and Android Pay, are all set up differently on the bank's side. Couldn't hurt to check.

    BigRedGonzo
    10-17-2017 11:36 AM
  6. digitalbreak's Avatar
    Never had this issue. Are you it's not the bank/credit card you use? That said, you should have a CVV on SP app if that is the case
    10-17-2017 11:40 AM
  7. TabGuy's Avatar
    Never had this issue. Are you it's not the bank/credit card you use? That said, you should have a CVV on SP app if that is the case
    Very sure. I've used this card hundreds of times via Samsung Pay.
    10-17-2017 12:03 PM
  8. donm527's Avatar
    Did you try to delete your card and then re-adding it? Re-adding it will go through re-verifying process and might help.

    Another option then would to ask for a new card which would give you a new number.

    Very sure. I've used this card hundreds of times via Samsung Pay.
    10-17-2017 12:18 PM
  9. kirksucks's Avatar
    This has happened to me at a Chevron gas station inside the store. I mentioned it in another SP thread here. People said to just put in the 4 digit number that SP provides. I havent tried it yet. But this is a real thing and I dont know why it's happening.
    10-17-2017 12:33 PM
  10. tgp's Avatar
    Open SP look at your card if will be grayed out and there is a pin listed but I do believe its 4 digits says fir cashier ,never had this issue ,how about just hitting enter and processing as credit
    This has happened to me at a Chevron gas station inside the store. I mentioned it in another SP thread here. People said to just put in the 4 digit number that SP provides. I havent tried it yet. But this is a real thing and I dont know why it's happening.
    Yes, when they ask for the 3 digit code, give them these 4 digits. It's counter-intuitive, but it works.
    10-17-2017 01:59 PM
  11. Ca_lvn's Avatar
    Yes, when they ask for the 3 digit code, give them these 4 digits. It's counter-intuitive, but it works.
    That actually makes since because its a virtual number being used anyway and SP actually says this number is for the cashier
    Maby SPs CCV number is 4 didgets apears to o be
    10-17-2017 02:47 PM
  12. leerandall's Avatar
    Yes, when they ask for the 3 digit code, give them these 4 digits. It's counter-intuitive, but it works.
    Sorry to butt in here, but what is the 4-digit code you say that Samsung Pay gives you? I've never had it give me a code for either a debit or a credit purchase. If I'm doing a debit, the POS terminal takes my regular debit card PIN. If I'm doing a credit, I just have to sign the POS screen if asked. I'm curious, where and when is Samsung Pay supposed to give you these 4 digits?
    10-17-2017 03:14 PM
  13. TylerLV76's Avatar
    Sorry to butt in here, but what is the 4-digit code you say that Samsung Pay gives you? I've never had it give me a code for either a debit or a credit purchase. If I'm doing a debit, the POS terminal takes my regular debit card PIN. If I'm doing a credit, I just have to sign the POS screen if asked. I'm curious, where and when is Samsung Pay supposed to give you these 4 digits?
    Here
    10-17-2017 03:28 PM
  14. TabGuy's Avatar
    Yes, when they ask for the 3 digit code, give them these 4 digits. It's counter-intuitive, but it works.
    I'll try that next time. I know that the CVV on American Express is 4 digits. We're so conditioned to think it's 3 digits for Visa and MC that I never thought of using those 4.
    10-17-2017 03:56 PM
  15. heatdissipation's Avatar
    I've been using Samsung Pay for two years and the only place I could never get it to work consistently is Lowes. But now I've found a roadblock that stops Samsung Pay in its tracks and I'm seeing it at more and more places. The problem is not that that Samsung Pay doesn't work, it does. The pinpad sees it as a card swipe just as it should. The problem is after the swipe when the pinpad asks me to enter the 3 digit CVV code that is normally found on the back of a credit card. AFAIK there's no such thing with Samsung Pay and, thus, I can't complete the transaction. I saw this twice recently, once at an Extra Mile gas station store.

    Does anyone know of a way around this?
    I have never gotten it to work at Lowe's, but have never ran into your problem, I am glad to hear that Lowe's doesn't work for others. Well not glad, just relieved that I'm not the only one
    jimd1050 likes this.
    10-17-2017 04:19 PM
  16. Super Dave426's Avatar
    I have never gotten it to work at Lowe's, but have never ran into your problem, I am glad to hear that Lowe's doesn't work for others. Well not glad, just relieved that I'm not the only one
    Anytime I try at Lowes and it fails the cashier reminds me that they are so antiquated no other pay system works, so it's not just SP.
    10-17-2017 04:45 PM
  17. NexusGirlX's Avatar
    The few times I tried Samsung Pay, the code it was asking for was not the 3 digit code on the back of the card and the 4 numbers provided in Samsung Pay never worked. it wanted my 4 digit passcode like what I would use at the ATM.
    10-17-2017 04:50 PM
  18. nm3th's Avatar
    I've been exclusively using SP for over a month now (~50 transactions) and have only run into this issue once at a restaurant. I first tried the 4 digit number from SP, but that didn't work. Luckily I remembered the 3 digit CCV from the actual card and that worked right away.
    10-17-2017 06:22 PM
  19. kway_NY's Avatar
    I use SP at Lowes a lot. most times it takes 3 tries, even on my G3 watch. Once in a while it goes with the first swipe.
    10-17-2017 08:07 PM
  20. leerandall's Avatar
    Oh, those. I've never been asked for those. Yet. I have to assume those are the last 4 digits of the virtual card number generated for the transaction. Thanks for the heads-up, though. Now, if I'm ever asked for them, I'll know what they're asking for.
    10-17-2017 09:11 PM
  21. kirksucks's Avatar
    Has anyone that's been asked (by the machine) for the security 3 digits, tried to enter the 4 digit number from Samsung Pay?

    These are technically different numbers. When I got it I literally pulled out my card and typed I the 3 digits on back of the card and it worked.
    10-18-2017 10:03 AM
  22. SpookDroid's Avatar
    Never has any terminal asked for the CVV, only the 4 digits shown on the virtual card on SPay (usually the cashier asks for it). Just to pile up on the Lowe's thing, they're ACTIVELY blocking contactless payments for credit cards. They updated their systems to specifically request a chip insertion for Credit Cards, even if you swipe them.
    zoomis likes this.
    10-18-2017 11:31 AM
  23. supersam64's Avatar
    Never has any terminal asked for the CVV, only the 4 digits shown on the virtual card on SPay (usually the cashier asks for it). Just to pile up on the Lowe's thing, they're ACTIVELY blocking contactless payments for credit cards. They updated their systems to specifically request a chip insertion for Credit Cards, even if you swipe them.
    My experience is different, but you're exactly right that they're actively blocking it, at least in some locations. I was in a Lowe's yesterday and tried to check out using Samsung Pay. The terminal clearly recognized the phone with no problem and it asked for my PIN, but the cashier started spazzing out saying she couldn't take it. Since I could already tell the machine read it, I asked to speak to a manager, who gave me some vague rambling about "fraud." I called their corporate number while in the store and spoke with a top level representative who told me that they don't officially support Android Pay or Apple Pay, but they DO officially support Samsung Pay, and she's sorry the store manager gave me the wrong info. She placed a call to the store to get them up to speed so I could check out, and after a long hold, she said she talked to the manager and that while, as a company, they accept Samsung Pay, this particular store does not (citing the vague "fraud" issue again). They are apparently not governed by any corporate policy as far as what forms of payment they accept, and can pretty much do whatever they want. As such, I would imagine it's quite common that they choose not to accept it "because of fraud." Whatever. I'll go to Home Depot, where they don't tell me they don't want my money.
    02-16-2018 05:20 PM
  24. gernerttl's Avatar
    @TabGuy Here is a thought and this may or may not work. You have the option of signing your card. If you open up Samsung Pay, bring up the card you use, then click the three dots in the upper right hand corner, you will see a "sign card" option. Clicking it will allow you to sign your card just like it was a physical card. Do that and see what happens.
    02-16-2018 06:10 PM
  25. gernerttl's Avatar
    My paranoid side is thinking this is a way to steal CC info. Normally, when you swipe, and it says, give your card to the Cashier, the cashier isn't putting in the CCV, he or she is entering the last four of the card to verify that you had the card in your possession and to either see the signature or verify identity.

    The ONLY time I've ever been asked for the CCV is with online transactions. That is why this sounds kind of weird to me.
    02-16-2018 06:23 PM
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