JCPenney No Longer Accepts Contactless Payments

JCPenney No Longer Accepts Contactless Payments

April 23, 2019         Written By John H. Oldshue

JCPenney no longer accepts contactless payments at its stores. Users can still swipe their physical cards, but they cannot use mobile wallets or contactless credit cards to complete a transaction.

JCPenney did not make an announcement about this policy change. Instead, they responded to a Twitter post about not accepting Apple Pay. The company replied, “JCPenney made the decision to remove Apple Pay for our stores, we apologize for any inconvenience this may have caused.”

The retailer told TechCrunch that “A third-party credit card brand made the requirement for all merchants to actively support EMV contactless functionality effective April 13.” This is in reference to a mandate from Visa that says, “all terminals at U.S. merchant locations that accept contactless payments must actively support EMV contactless chip functionality and the legacy MSD contactless technology will be retired.”

JCPenney has not made the transition to EMV contactless technology and would not have been able to do so by April 13. Thus, the company chose to suspend contactless payments “until a later date.”

Many Twitter users responded to the original message by saying they will no longer be shopping with JCPenney. But the company says physical cards are still the choice payment methods for “the vast majority of JCPenney shoppers.” That may not be the case for long.

Apple Pay has progressively climbed in popularity over the last few years. In December 2018, an estimated 43% of global iPhone users had enabled Apple Pay on their phones. Transaction volumes more than doubled year-over-year, with 1.8 billion transactions at the end of 2018.

Many banks, such as Wells Fargo and Chase, are transitioning their credit and debit cards to contactless versions. This suggests there will be continued growth in the contactless market. Due to this growth, JCPenney will likely need to update their technology quickly in order to keep up with the increasing demand for contactless payments.

The information contained within this article was accurate as of April 23, 2019. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About John H. Oldshue

John Oldshue is the creator of He worked for over 15 years in television and won an Emmy award for his reporting. He covers credit card rate issues for
View all posts by John H. Oldshue
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