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faq:emv_chip_cards

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EMV Chip and PIN cards in Canada

What is EMV?

It is a joint effort between Europay, MasterCard and Visa to ensure security and global interoperability so that Visa and MasterCard cards can continue to be accepted everywhere. Europay International SA was absorbed into MasterCard in 2002. JCB (formerly Japan Credit Bureau) joined the organization in December 2004, and American Express joined in February 2009. IC card systems based on EMV are being phased in across the world, under names such as “IC Credit” and “Chip and PIN”.

Status

Vantiv IP (Mercury) Canada now supports the VeriFone Vx820 pinpad which will support Contactless EMV for following card brands

  • Visa
  • Mastercard
  • Amex
  • Interac

Support for Mastercard “2” BIN range

The vx820 is now available. You will have to swap all pinpads at once as there is no backwards compatibility with the datacap netepay server.
Requires DSIEMVClientX version v1.26 and Verifone Vx820 PIN pad running XPI 12.07.05 and NETePay Mercury Canadian Host EMV - MRH 5.06.10

Chase Paymentech Canada System Five is now certified to use the Paymentech platform with the vx810 PINPads System Five version 6.0.70.14 and Datacap Netepay Version 5.03 Merchants will be required to purchase or rent new verifone vx810 pinpads from Paymentech.

The vx820 is now available. You will have to swap all pinpads at once as there is no backwards compatibility with the datacap netepay server.
Requires DSIEMVClientX version v1.27 and Verifone Vx820 PIN pad running XPI 12.07.05 and NETePay Mercury Canadian Host EMV - MRH 5.06.10

Moneris System Five is certified for EMV transactions using the VX810 and datacap netepay version 5, however the vx810 is in limited supply from Moneris.

Global Payments Canada Windward Software has now released a Semi-integrated solution using the Verifone Vx570 Payment Terminal or Vx810 Duet. This solution uses a Serial port to perform limited sales transactions using the payment terminal.
Merchants must use System Five version 6.0.0.83 or greater.

Elavon Payment Solutions does not have an integrated debit or EMV solution in Canada.

Card not present transactions EMV only supports card not present transactions by entering the card number directly through the PIN Pad. Merchants who require card not present transactions such as e-commerce, rolling rentals, re-occurring contracts/rentals, card stored on file are advised to keep or activate a non-emv credit card merchant account. Non-truncated card numbers are not returned in EMV transactions. Only available with Vantiv IP (Mercury)

Liability Shift

http://www.globalpaymentsinc.com/Canada/customerSupport/industryInit/chip_shift.html

  • Any merchant who accepts an EMV enabled credit card, that is not able to process the card via EMV may be liable for the transaction.
  • The merchant may also be liable for accepting a counterfeit magnetic stripe card, if that card was a reproduction of an EMV card. When you have EMV enabled hardware, swiping counterfeit card will tell you to insert the CHIP (which it would not have).

  • Visa liability shift is now March 31, 2011. This date has been moved from October 1, 2010
  • Mastercard liability shift is now March 31, 2011. vise October 15, 2010. press release
  • interac has not announced a Liability shift.
  • American Express has announced a liability shift of October 31, 2012
  • The US EMV liability shift has been set for October 2015.
  • Remember that the merchant is still liable if they do not follow the rules such as verifying signatures, holograms etc.

See Tips on avoiding fraudulent credit card transactions

More Information

Important Information

faq/emv_chip_cards.txt · Last modified: 2017/09/13 10:23 by craig