10-26-2017 05:51 AM
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  1. kjjb0204's Avatar
    My my Samsung pay never works at Home Depot. Does anyone else have this issue? They don't have a terminal that takes the standard payment swipe I have to use the magnetic chip thing and it never works at Home Depot. I always get a invalid swipe error. It works flawlessly everywhere else. Anyone else have this issue?
    02-28-2017 12:37 PM
  2. SpookDroid's Avatar
    Home Depot and Lowes have recently updated their payment terminals (stupidly, IMHO) to forcefully request a chip for credit cards, no matter what. So if your credit card doesn't have a chip, it will no longer work at those locations either if they're already 'updated'.

    Since Samsung Pay emulates only the magnetic stripe, the terminal doesn't accept the payment because it wants the chip.
    TwitchyPuppy and Sole07 like this.
    02-28-2017 12:47 PM
  3. amyf27's Avatar
    Home Depot and Lowes have recently updated their payment terminals (stupidly, IMHO) to forcefully request a chip for credit cards, no matter what. So if your credit card doesn't have a chip, it will no longer work at those locations either if they're already 'updated'.

    Since Samsung Pay emulates only the magnetic stripe, the terminal doesn't accept the payment because it wants the chip.
    My card has a chip and Samsung pay works there. I've used it at plenty of newer terminals and older ones that need a chip-no issue. Sometimes I remove the case if there's any connection issue
    02-28-2017 07:19 PM
  4. kjjb0204's Avatar
    My card has a chip and Samsung pay works there. I've used it at plenty of newer terminals and older ones that need a chip-no issue. Sometimes I remove the case if there's any connection issue
    Yeah, it's only home depot where I have issues. It is an older store and terminals haven't changed in a few years.
    02-28-2017 07:54 PM
  5. amyf27's Avatar
    Have you tried it without your case
    02-28-2017 09:28 PM
  6. filanto's Avatar
    Home Depot and Lowes have recently updated their payment terminals (stupidly, IMHO) to forcefully request a chip for credit cards, no matter what. So if your credit card doesn't have a chip, it will no longer work at those locations either if they're already 'updated'.

    Since Samsung Pay emulates only the magnetic stripe, the terminal doesn't accept the payment because it wants the chip.
    Samsung Pay can do both is what I thought
    03-01-2017 09:07 AM
  7. SpookDroid's Avatar
    Samsung Pay can do both is what I thought
    Nope, Samsung Pay can do magnetic stripe and NFC, but the chip reader is still enclosed so they can't 'reach it' (sort of like magnetic stripe readers in gas pumps and ATM's...it's not that SP can't emulate the signal for those, it's that the receiver is enclosed and the signal won't reach it).

    Also, the terminals at HD are not the problem, their internal payment system is. Again, not all stores have been 'upgraded' to that, but those who have (and this is with newer and older terminals) are not accepting CREDIT card payments without a chip now.
    03-01-2017 11:41 AM
  8. filanto's Avatar
    Oops miss read. I was thinking of the nfc and not chip enabled
    03-01-2017 03:02 PM
  9. ziggster's Avatar
    My my Samsung pay never works at Home Depot. Does anyone else have this issue? They don't have a terminal that takes the standard payment swipe I have to use the magnetic chip thing and it never works at Home Depot. I always get a invalid swipe error. It works flawlessly everywhere else. Anyone else have this issue?
    If the card reader is "chip only" then there is no way to use anything but a card with a chip. If the reader has a place to swipe, then it is not "chip only". An example of "chip only" would be a Square card reader (w/o nfc).

    BTW, I went to HD today and used mine with no problem. The reader has a slot for chipped cards, and a track for magnetic strip cards.
    amyf27 likes this.
    03-01-2017 03:33 PM
  10. SpookDroid's Avatar
    If the card reader is "chip only" then there is no way to use anything but a card with a chip. If the reader has a place to swipe, then it is not "chip only". An example of "chip only" would be a Square card reader (w/o nfc).

    BTW, I went to HD today and used mine with no problem. The reader has a slot for chipped cards, and a track for magnetic strip cards.
    Not for long. Their terminals are NOT changing, their system is. Not sure why they chose to do that, or what drives which stores are doing it (maybe stores with higher fraud incidents?) but their system is forcing a chip-read on ALL credit cards. Not the terminal. So even if the terminal has a magnetic strip reader, when THEIR system detects a credit card, it will decline the transaction over magnetic swipe and request a chip one; if your card has no chip, it just won't work. Again, this is only in stores that have been updated to that. Lowe's, I believe, is more 'advanced' in their rollout of this horrible change (stores I've been to even have a sign on their terminals now explaining that).
    03-01-2017 03:43 PM
  11. 20blks's Avatar
    Mine still works at home Depot. No issues
    03-01-2017 06:00 PM
  12. dyphx's Avatar
    The wife & I attempted to use SP at Lowes last night (last day to obtain Gold status). The first attempt failed. She tried it again, and quickly got a notification on her phone indicating it was successful. However, the terminal did not respond immediately, and eventually timed out. The cashier asked if we used the phone, and confidently stated that they are not set up for mobile payments. It took a few minutes of arguing with 4 employees before they would cancel the transaction. The wife also received a notification of the cancellation on her phone. We left and went to Home Depot. No issues there.

    I've had more trouble with cashiers assuming it won't work. I usually try to 'swipe' the phone before they get a chance to see what I'm doing, and start telling me "that doesn't work here."
    03-01-2017 08:44 PM
  13. amyf27's Avatar
    If the card reader is "chip only" then there is no way to use anything but a card with a chip. If the reader has a place to swipe, then it is not "chip only". An example of "chip only" would be a Square card reader (w/o nfc).

    BTW, I went to HD today and used mine with no problem. The reader has a slot for chipped cards, and a track for magnetic strip cards.
    I used my phone with a square reader several times, but it was attached to a tablet and had a space for sliding a card so I held my phone to that
    LineKill likes this.
    03-01-2017 09:09 PM
  14. LineKill's Avatar
    I used my phone with a square reader several times, but it was attached to a tablet and had a space for sliding a card so I held my phone to that
    That's cool, didn't know you could that. I absolutely love Samsung Pay, It just works everywhere! That I go anyhow😉
    amyf27 likes this.
    03-01-2017 09:20 PM
  15. amyf27's Avatar
    That's cool, didn't know you could that. I absolutely love Samsung Pay, It just works everywhere! That I go anyhow😉
    A couple weeks ago it even worked in this mall store where the card slider was OLD and part of the keyboard. The cashier was blown away-some fun entertainment lol
    LineKill likes this.
    03-02-2017 05:52 AM
  16. SpookDroid's Avatar
    A couple weeks ago it even worked in this mall store where the card slider was OLD and part of the keyboard. The cashier was blown away-some fun entertainment lol
    Just be careful with those haha. First time Samsung Pay came out in the US I tried using it at a Starbucks where the terminal is embedded onto their computer screens... bad idea. It worked, but because I had to reach behind the terminal, the girl freaked out and started yelling that I had hacked her computer with my phone and was gonna call the cops haha. Manager calmed her down. I got a free coffee for the mishap. Still funny, though.
    amyf27 likes this.
    03-02-2017 12:18 PM
  17. amyf27's Avatar
    Just be careful with those haha. First time Samsung Pay came out in the US I tried using it at a Starbucks where the terminal is embedded onto their computer screens... bad idea. It worked, but because I had to reach behind the terminal, the girl freaked out and started yelling that I had hacked her computer with my phone and was gonna call the cops haha. Manager calmed her down. I got a free coffee for the mishap. Still funny, though.
    Omg really????
    03-02-2017 12:34 PM
  18. SpookDroid's Avatar
    Yup. It was scary at first but funny after I realized there was no way I was in trouble. But yeah, the first few weeks it was more time explaining to people that it worked (and watching their faces when it did...). Now I do find a few places where they say it won't work because they think it's Apple Pay.
    03-02-2017 01:47 PM
  19. amyf27's Avatar
    Yup. It was scary at first but funny after I realized there was no way I was in trouble. But yeah, the first few weeks it was more time explaining to people that it worked (and watching their faces when it did...). Now I do find a few places where they say it won't work because they think it's Apple Pay.
    "I don't think we take that" "That won't work here" "that's not setup here" "what is that??"
    SpookDroid likes this.
    03-02-2017 04:11 PM
  20. raino's Avatar
    Since Samsung Pay emulates only the magnetic stripe, the terminal doesn't accept the payment because it wants the chip.
    Why aren't more merchants moving to a similar system? As I understand it, fraud liability is greater on the less secure party; signature-only is considered less secure than chip and signature, so I get why HD and Lowe's would be doing this.

    I wonder if contactless payment providers are already a part of the fraud liability game, and if this decision by HD and/or Lowe's came about because providers weren't willing to accept any or a large enough share of responsibility.
    03-02-2017 05:04 PM
  21. kjjb0204's Avatar
    Yup. It was scary at first but funny after I realized there was no way I was in trouble. But yeah, the first few weeks it was more time explaining to people that it worked (and watching their faces when it did...). Now I do find a few places where they say it won't work because they think it's Apple Pay.
    My barber is amazed every time I pay with my phone on their Square swiper on an ipad. Love that feature and no other manufacturer has even thought of implementing.

    you could totally give someone the card number used to pay for the transaction, because as soon as your transaction is complete, that card number is no longer valid. My bank, Bank of America, scrambles every transaction card number and assigns a different card number for every transaction. Very secure - people ask me why bother paying with my phone when it's easier to just whip out the card. They don't understand how secure it is and the extra security it provides.
    03-07-2017 10:42 AM
  22. SpookDroid's Avatar
    My barber is amazed every time I pay with my phone on their Square swiper on an ipad. Love that feature and no other manufacturer has even thought of implementing.

    you could totally give someone the card number used to pay for the transaction, because as soon as your transaction is complete, that card number is no longer valid. My bank, Bank of America, scrambles every transaction card number and assigns a different card number for every transaction. Very secure - people ask me why bother paying with my phone when it's easier to just whip out the card. They don't understand how secure it is and the extra security it provides.
    If I'm not mistaken, Samsung owns the company that owns the patent for MST, so other manufacturers are limited to using NFC or licensing MST from Sammy, which I'm not sure it's doing yet. And yeah, to the best of my knowledge, all mobile payment systems generate a one-time token for each transaction, so no matter which bank you use, as long as it's supported, payments are valid for just that one transaction.
    03-07-2017 12:08 PM
  23. washuai's Avatar
    I've had problems at home Depot (some other places) , one also had it work at home Depot. Thanks for the whole chip only Intel.

    My current working theory is that it has a harder time working on abused terminals (see DMV) that sometimes have trouble reading regular swipe cards. Rougher people shop at home Depot with less fresh plastic, as well. The person with me had been too impatient for me to take off my case, though probably take just as long as digging in my wallet. Technically they've even just swiped their own card.
    I reckon I'll get around to decasing to see if it matters. Usually timing and keeping the phone real still and angle when it will work seems to help, but definitely don't travel without a wallet yet.
    I get the does not work here. I think cashiers get more excited about seeing the Samsung pay in action than I do using it.
    I agree about security. I like that no one sees as much information on my screen as they do on a physical card. When my card was stolen one time, it was a clerk or employee part of a ring in one or two stores at a mall and every since then I'm paranoid about who is watching during paying with plastic.
    03-08-2017 05:14 AM
  24. Biggmac419's Avatar
    Home Depot and Lowes have recently updated their payment terminals (stupidly, IMHO) to forcefully request a chip for credit cards, no matter what. So if your credit card doesn't have a chip, it will no longer work at those locations either if they're already 'updated'.

    Since Samsung Pay emulates only the magnetic stripe, the terminal doesn't accept the payment because it wants the chip.
    This is not true, our home depot has updated and my credit card without a chip works and so does Samsung pay.
    amyf27 likes this.
    03-20-2017 03:01 AM
  25. amyf27's Avatar
    Those of you at a home depot where Samsung pay doesn't work, any chance you can post a picture of the card terminal you're trying it on? Not sure of home depots in other locations have different card terminals than my area (NE Ohio). I haven't been to home Depot in awhile, but it works fine in Lowes.
    03-20-2017 05:15 AM
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