Received my chip card about a month ago, but have been using the "swipe" until today as no retailers in the area seem to have upgraded.
Checking out at WalMart, the new card reader... (dual swipe/chip) there at the check out... Finding the slot at the bottom of the reader was a nuisance, but what was worse, was when the "window" came up "Card Cancelled".... The checkoout girl tried it several times, but gave up and said my card had been cancelled. (with four people in line looking at this poor bloke who probably had overdrawn his credit limit)
So, I paid with a debit card and we home to call Discover and find out who cancelled my card. "Your card has not been cancelled... it's fine"... Apparently the card has to remain in the reader throughout the transaction until you finalize, instead of the way swipe works... where you press ok after the swipe.
I called Walmart to let them know the employees may need more training. The customer service gal I spoke to was snippy, as if it were my fault.
So much for the courtesy call... I don't think employees give a damn about customers any more.
Imoldernu, I'm sorry you had a bad first experience. Yes, it does seem that a little more staff orientation was required. This is the Standard Operating Procedure that I experience:
1. Indicate that you will be paying with a Visa or MasterCard chip and PIN card, as applicable.
2. The clerk will set the terminal to accept your credit card.
3. Watch the screen on the terminal. Within a few seconds it will say "insert credit card". Insert the credit card into the slot and leave it there.
4. The amount of the bill will appear on the screen. It will ask you if this is correct. If so, press "yes". If not, press "no" and discuss the bill with the clerk. If the bill is correct...
5. At a restaurant, but not at a store or gas station, the screen will ask whether you want to tip, and how much. There are several different formats; percentage, currency amount, or multiple choice.
6. As soon as you have entered the tip you want, the screen will say "enter PIN". This is a four digit number which only you can change. Enter it.
7. Now the screen will say "processing...please do not remove card". Wait.
8. Moments later, the screen will say "APPROVED. Remove credit card". Remove your credit card. The clerk will give you a receipt. If you are in a restaurant, the waiter will bring the wireless point of sale terminal to your table and it will print out two copies of you receipt, one for you, one for the merchant. Your credit card remains in your possession at all times.
If you enter an incorrect PIN, you get to start again. If you enter an incorrect PIN three times, three strikes and you're out. You do not need to get a new credit card. You do need to visit a branch of your financial institution, where you can change your PIN on one of their readers.
As an example, two years ago I went to an unfamiliar gas station and entered an incorrect PIN, three times. My PIN was cancelled and I paid by debit. I then flew to Hawaii, where I used the same credit card repeatedly for two weeks using the magnetic stripe. On my return to Canada, I visited my bank and changed my PIN, after which my credit card worked normally.
I hope that's helpful.