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EMV Chip Card Fail

I was out shopping at my local Walmart for my nephew's birthday present. He was having his birthday party that weekend, and the theme of the party was Teenage Mutant Ninja Turtles. After picking out a birthday card I made a beeline towards the toy's section more specifically the area that held the turtle toys. I picked out a Shredder action figure after getting over the shock of toy's prices.

​I remember from my own childhood playing countless hours with my turtles as they battled the evil forces of Shredder and his gang of mutant thugs. I was fairly certain my nephew didn't have any bad guys yet. How can you have a conflict without at least one bad guy? Beating up the villains was half the fun.

My First Time Paying with an EMV Chip Card

I head over to the self-checkout, scam my items and place them in the bagging area. I press the credit card payment option and it prompts me to swipe my card.

This is the first time I am using an EMV enabled credit card mind you so I didn't think I needed to do anything differently. I swiped my card as I have done hundreds of times before, but it didn't accept my card. The screen instructed me to insert the chip side of the card, thinking this works like swiping I quickly inserted the card and withdrew it before I read the please wait do not remove card message.

​Waiting...Waiting...

Realizing my mistake I inserted my card again and waited, but the transaction never went through. I don't know why it wouldn't process. The payment terminal stayed on the screen, "Please Wait Authorizing". I stood staring at the screen waiting for it to complete the purchase and print my receipt. After what seemed like 2 or 3 mins. I said whatever and pressed the cancel button. I checked my wallet and I had enough cash on me to cover the toy and card. I was able to go back to the payment screen and select cash and finish the transaction that way.

Whenever I Am Using a New Form of Payment

Don't expect everything will go smoothly the first time I use a new form of payment. A couple of things I want to keep in mind when I am shopping with a new credit card or payment device.

  1. Make sure I have a secondary form of payment on me. In my particular case I used cash, but I also carry two credit cards with me at all times.
  2. Don't be too embarrassed to ask for help. This is something I personally need to work on. If I run into a problem I have a tendency to try to figure it out by myself instead of asking for help especially if I am out in public I hate appearing clueless.
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