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  • Jun 23rd, 2017 8:34 pm
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Jul 9, 2016
333 posts
104 upvotes
Hamilton
bennyboy84 wrote:
Jun 5th, 2017 12:25 pm
For me, adding my BMO debit card worked but i can't validate it ... I get a "Mobile Banking Verification is currently unavailable for your card(s). Please return to Android Pay for alternative verification options." in the BMO app.

And of course, there are no other options in Android Pay ...

Edit : Called Customer service, they told me it wasn't available for debit yet ... I told them yes it is, they put me in touch with another "Android Pay specialist" who was then able to validate my card over the phone and it was instantly ready to use on my phone (I actually saw it getting validated while on the phone with them).
lol surprise surprise front level CSRs have no idea whats going on as usual
Member
Dec 29, 2012
370 posts
114 upvotes
Toronto
Had to call in but finally managed to add my CIBC Advantage Visa Debit Card.
Deal Addict
Dec 16, 2005
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bennyboy84 wrote:
Jun 5th, 2017 12:25 pm
For me, adding my BMO debit card worked but i can't validate it ... I get a "Mobile Banking Verification is currently unavailable for your card(s). Please return to Android Pay for alternative verification options." in the BMO app.

And of course, there are no other options in Android Pay ...

Edit : Called Customer service, they told me it wasn't available for debit yet ... I told them yes it is, they put me in touch with another "Android Pay specialist" who was then able to validate my card over the phone and it was instantly ready to use on my phone (I actually saw it getting validated while on the phone with them).
I was sent a code via email. Entered the code into Android pay and it worked instantly. Well, I haven't tried to buy anything but it looks like it is added successfully.
Member
Dec 27, 2002
268 posts
34 upvotes
Toronto
SneakyPete wrote:
Jun 2nd, 2017 12:49 pm
I just tried to use it at McDonalds and I got an error. Something like "application not supported" I think I did it wrong though I just tapped it with the screen off. Does being awake means having the screen on? I did feel the phone vibrate when I tapped though.
Update: Tried Android Pay at another store I was able to get it to work with just the screen on. Didn't need to unlock it. Not sure how I feel about that. I am sure there's some kind of limit but would've like to see some sort of security with all transactions.
Deal Addict
Dec 16, 2005
2414 posts
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SneakyPete wrote:
Jun 5th, 2017 4:33 pm
Update: Tried Android Pay at another store I was able to get it to work with just the screen on. Didn't need to unlock it. Not sure how I feel about that. I am sure there's some kind of limit but would've like to see some sort of security with all transactions.
If you ever lose your phone you can remote wipe it.
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Apr 20, 2011
6784 posts
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ON
SneakyPete wrote:
Jun 5th, 2017 4:33 pm
Update: Tried Android Pay at another store I was able to get it to work with just the screen on. Didn't need to unlock it. Not sure how I feel about that. I am sure there's some kind of limit but would've like to see some sort of security with all transactions.
My phone has NFC in the quick toggle, keep it off unless you intend to use it. Requires a finger scan or pin/pattern to turn back on if phone locked.

Less convenient, but more secure, depending on your priorities.
Newbie
Jan 2, 2009
80 posts
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Ontario
aqnd wrote:
Jun 5th, 2017 8:51 pm
My phone has NFC in the quick toggle, keep it off unless you intend to use it. Requires a finger scan or pin/pattern to turn back on if phone locked.

Less convenient, but more secure, depending on your priorities.
That's what I do as well. It saves battery and also more secure if your phone ever gets lost.
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Mar 23, 2004
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Markham
aqnd wrote:
Jun 5th, 2017 8:51 pm
My phone has NFC in the quick toggle, keep it off unless you intend to use it.
What phone are u using? Wish I can do that for stock android...
「もし、奇跡を起こせたら……」
Deal Addict
May 2, 2011
1180 posts
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Toronto
^ My S7 does that. Also requires a pw/print to shut off the phone.

Still can't add my CIBC debit :(
Newbie
Feb 17, 2017
47 posts
25 upvotes
bennyboy84 wrote:
May 31st, 2017 5:31 pm
Sooo just tried Petro Canada ; paypass registered, my phone vibrated and got an error saying Android pay cannot be used on this terminal on my phone... Not off to a good start. Tried twice, no luck. Pulled care from wallet (the same I just tired using with android pay, Scotiabank Visa) and it worked right away.
Visa Mobile cards don't support the old type of contactless (MSD contactless - basically where the data transmitted is very similar to the type of data on the mag stripe of the card, as opposed to the newer type EMV contactless which is basically the same kind of data which is on the chip). Actual Visa cards still usually support both types and Amex and MC mobile cards support both. If you'd tried a MasterCard on Android pay it would have worked (Or AmEx once its available).

You'll find that Android Pay on a Canadian (Or any non-us Visa) Visa card, will barely work at all in the US (barely any terminals support the newer contactless, even if they support chip transactions), whereas a MasterCard or AmEx will work anywhere.
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bennyboy84 wrote:
May 31st, 2017 5:31 pm
Sooo just tried Petro Canada ; paypass registered, my phone vibrated and got an error saying Android pay cannot be used on this terminal on my phone... Not off to a good start. Tried twice, no luck. Pulled care from wallet (the same I just tired using with android pay, Scotiabank Visa) and it worked right away.
Did the screen at the pump say declined? Did it ask you to input an amount first?
I had this problem with Apple Pay at a Petro-Can pump also with a Scotia card (Amex though). Tried several times. Then tapped actual Scotia Amex card and it worked fine.
Called Scotia and they have no record of any declines so they say it is an issue on the terminal side.
I can use Apple Pay at this pump with other cards, including other Amex. I can also use the failing Amex with Apple Pay at other stores.

I think Petro-Can pump may not like Scotia cards on Apple/Android Pay?!
CanadianSpruce wrote:
Jun 5th, 2017 11:16 pm
Visa Mobile cards don't support the old type of contactless (MSD contactless - basically where the data transmitted is very similar to the type of data on the mag stripe of the card, as opposed to the newer type EMV contactless which is basically the same kind of data which is on the chip). Actual Visa cards still usually support both types and Amex and MC mobile cards support both. If you'd tried a MasterCard on Android pay it would have worked (Or AmEx once its available).

You'll find that Android Pay on a Canadian (Or any non-us Visa) Visa card, will barely work at all in the US (barely any terminals support the newer contactless, even if they support chip transactions), whereas a MasterCard or AmEx will work anywhere.
When you say "Visa mobile cards" where are you getting this info? Are you basing it off experience with Scotia or other Visas?

Could it be that "Scotia mobile cards" don't support the old tech? Not just Scotia Visa but Scotia Amex as well?

How could the mobile version of one card in Apple/Android Pay support the old tech but another does not? Seems strange.

EDIT: Googling/wiki seems to suggest MSD contactless isn't necessarily "old" but was only used in the US. EMV is over 20 years old and contactless over 10.
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Newbie
Jul 8, 2014
26 posts
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Toronto, ON
SiuMai wrote:
Jun 5th, 2017 10:13 am
Tried adding my BMO Debit card, got an error saying "This card can't be added quite yet Your card will be supported soon. We'll let you know once you can add it."
Still having the same issue today with BMO Debit.

Anyone else getting the same error?
Newbie
Feb 17, 2017
47 posts
25 upvotes
ace604 wrote:
Jun 6th, 2017 1:50 am
Did the screen at the pump say declined? Did it ask you to input an amount first?
I had this problem with Apple Pay at a Petro-Can pump also with a Scotia card (Amex though). Tried several times. Then tapped actual Scotia Amex card and it worked fine.
Called Scotia and they have no record of any declines so they say it is an issue on the terminal side.
I can use Apple Pay at this pump with other cards, including other Amex. I can also use the failing Amex with Apple Pay at other stores.

I think Petro-Can pump may not like Scotia cards on Apple/Android Pay?!



When you say "Visa mobile cards" where are you getting this info? Are you basing it off experience with Scotia or other Visas?

Could it be that "Scotia mobile cards" don't support the old tech? Not just Scotia Visa but Scotia Amex as well?

How could the mobile version of one card in Apple/Android Pay support the old tech but another does not? Seems strange.

EDIT: Googling/wiki seems to suggest MSD contactless isn't necessarily "old" but was only used in the US. EMV is over 20 years old and contactless over 10.
I used to work for one of the card schemes, Visa has been trying to phase out MSD contactless for a while. Its a lot less secure (as someone can read the contactless data and then retransmit it, although admittedly only once as the one time token is used up on both cards and devices), and its not great on a mobile device, as some terminals will prompt a signature on MSD transactions. AmEx and MasterCard are quite happy using both for now (although have started to phase it out in some markets, like the UK). Only Visa USA use MSD on mobile devices (but then Visa USA, seems to go against pretty much everything that Visa does everywhere else).

It's actually also the reason why some card terminals will take over 100$ transactions on Amex cards (even though they don't support the newer Consumer Device Verification method or CDCVM, to tell that a fingerprint/pin was used on the device) as a lot of terminals in Canada don't support EMV contactless for AmEx (only MSD), so terminals will basically process the transaction as though a card was swiped.

The MSD contactless standard is a lot older, it was designed in the late 90s (I think, could have been a little later), it was essentially designed to completely replace the magnetic stripe as it was still a lot more secure. Unfortunately the US media managed to completely blow its security flaws out of proportion, so the switch essentially never happened. EMV contactless cards didn't start appearing until around 2007/2008 and even then it wasn't quite the same standard that is used today (a lot of the data then was static). It was primarily designed to speed up slow EMV transactions, as opposed to a replace chip transactions altogether. (Lots of other things were also tested to speed up transactions, like now what is known as 'Quick Chip', but EMV contactless was selected as the best option as it in the future would allow consumer devices to pay for goods). EMV contactless was also great for Europe, where a lot of transactions did (and still do) run 'offline' (Don't contact the bank to authorize), MSD wouldn't have been suitable as there would be no way to verify the one time token (where as EMV can verify the cryptography and authenticity of the card/device).

Sorry for all the jargon, I've tried to keep it as simple as I can.

Regarding Petro-can, the fact you can tap the card before the transaction amount is shown is a good giveaway that they are using MSD contactless. EMV contactless requires the amount before the tap (apart from in the US, where they've managed to butcher EMV and for transit transactions (Like the London Underground)).
Deal Addict
May 2, 2011
1180 posts
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Toronto
CIBC debit is working now.

Kinda odd/creepy but I was in the process of writing a 1 star review for Android Pay because debit was not working literally right before I submit my review the play store crashed and Nova launcher reloaded(never does that) I thought WTF did Google play services just update and restart it self in the background(up to date play services are required for Android pay) so I went into Android Pay and boom it worked.

Google saw me about to 1 star them and was like wait hold up!!
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CanadianSpruce wrote:
Jun 6th, 2017 10:54 am
Sorry for all the jargon, I've tried to keep it as simple as I can.

Regarding Petro-can, the fact you can tap the card before the transaction amount is shown is a good giveaway that they are using MSD contactless. EMV contactless requires the amount before the tap (apart from in the US, where they've managed to butcher EMV and for transit transactions (Like the London Underground)).
The jargon is fine.

When you pay at the pump you have to choose a max amount to authorize. It works like this for tapping cards or Apple Pay.

I've never paid super-close attention to different gas station's setups to remember if there are any that are choose amount first then tap or if they are all tap, then amount.

(either way the final charge can be less if you stop pumping earlier)

So what you are saying is EMV needs a specific auth amount? It can't be the final amount. Hmmm... some gas stations just always auth $200 by default ... those ones you wouldn't be able to distinguish the tech easily then.

Anyways ... so ... does it seem like Scotia mobile cards don't support MSD tap?

Why would they restrict the mobile card but not the physical card?
POLL: How many credit cards do you CARRY?
Plastiq: Pay any bill with credit card for 0-2.5% fee (help meet min spending and keep old cards active!)
Rewards program transfer times (e.g. SPG->Aeroplan, Marriott->SPG, Amex MR->SPG...)

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