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faq:emv-us

EMV in the United States

The following is the current status of Chip and Pin - Chip and Sign payment processing with EMV (Europay, MasterCard, Visa) and Windward System Five.

FIS Worldpay Integrated Payments (Mercury)

VeriFone Vx805 Pinpad

SystemFive is now certified for US EMV transactions with Worldpay IP using the VeriFone Vx805 Pinpad.
  • An US-EMV update for Worldpay IP is now available in version 6.1.0.118 and version 6.2.0.1
  • The Vx805 with Worldpay IP offers both Tokenization and End-To-End Encryption providing the highest level of security for your payment transaction that are not available with other processors.
  • Please contact Windward Software for options for purchasing or renting Vx805 PIN Pads with Vantiv .

The vx805 supports:

  • Swipe
  • Chip
  • Signature Capture
  • Contactless
  • Vantiv Integrated Payments uses an Encrypted MSR so this device cannot be used for System Five Gift Cards. You can use with Vantiv Gift Cards.


Ingenico iSC 250 Signature PIN Pad

The ingenico iSC 250 now available for Worldpay Integrated Payments(Mercury) and others.

The iSC 250 supports:
  • Swipe
  • Chip
  • Signature Capture
  • Contactless
  • Worldpay IP and Heartland uses an Encrypted MSR so this device cannot be used for System Five Gift Cards. You can use with Worldpay IP Gift Cards. Heartland Giftcards are not supported.

Notes:

  • dsiEMVx version 1.06 or higher is required.
  • System Five version version 6.1.2.156 or higher is required.
  • Chip Card returns and voids must be swiped.
  • The prompt Debit with Pin? Yes/No is a bit confusing.
    • Yes means this is a debit card that requires a PIN,
    • No means this is a credit card.
  • The Enter key does not work in response to prompts even though the screen button Yes looks like the enter key.


Equinox Payments L5300 Signature PIN Pad

NEW The Equinox Payments L5300 now available for Worldpay Integrated Payments(Mercury) ONLY.

The L5300 supports:
  • Swipe
  • Chip
  • Signature Capture
  • Contactless
  • Worldpay Integrated Payments an Encrypted MSR so this device cannot be used for System Five Gift Cards. You can use with Worldpay IP Gift Cards.
  • EMV Debit is now available.


Notes:


Supported Processors

Verifone P400

NEW The Verifone P400 is available for FIS Worldpay IP (MercuryPay) US and Moneris Canada ONLY.

The P400 supports:
  • Swipe
  • Chip
  • Contactless
  • WorldPay Integrated Payments an Encrypted MSR so this device cannot be used for System Five Gift Cards. You can use with WorldPay Gift Cards.


Notes:


Supported Processors

Ingenico iCMP

(new beta) The ingenico iCMP links to a laptop via Blue-tooth which can be quite troublesome. It can also be linked via a USB cable which is more stable. The iCMP supports swipe, chip, contactless and manual entry. Ingenico iCMP

Mercury/Worldpay IP devices can be ordered from JRS POS Depot

Certified USA EMV PINPads
Installing Mercury Netepay for US-EMV
Vantiv/Mercury PIN Debit upgrade
Vx805 EMV Errors
iSC250 Errors

Please Read This. Important Information for clerks.
EMV Transaction Handling\\


Other US Processors

Most US processors have now been EMV Certified with datacap netepay.

  • First Data - Rapid Connect - supports Cardnet, Nashville and BuyPass (Rapid Connect is the most favorable). Rapid connect does not support multiple merchant Ids however which may be an issue for those converting from BuyPass. Rapid connect conversion is, well troublesome and a slow switch over. There are some issues with Discover Card Returns not settling in the batch close.
  • TSYS (Host) (now available using the ingenico iSC-250) Purchase Cards are not supported well.
  • Heartland Payments HOST (now available using the ingenico iSC-250)
  • WorldPay (available now)
  • Global (available now using the ingenico iSC-250)
  • Elavon (vx805)
  • Blue Pay (now available using the ingenico iSC-250)

Liability Shift

The US EMV liability shift has been set for October 2015, which means that the merchant may be liable for any fraudulent manufactured card transaction made at a non-EMV terminal with an EMV capable card.

Fraudulent manufactured cards are those where skimming devices are used to collect the magnetic strip information and then a new card is manufactured or the MSR information is replaced on an existing card.

Note that there may be fraudulent non-EMV cards made from EMV cards, which means just because there is no chip, it still must be swiped on an EMV capable PINPAD. The EMV PINPAD will detect from the MSR that it should have a chip and ask for you to insert the chip.

As most card issuers are implementing Chip and Sign, the EMV transition will only protect the merchant against fraudulently manufactured cards. It will not protect against stolen cards that Chip and PIN does. The merchant will still need to verify the signature, which does not work well with the EMV practice of keeping the card in the customer's possession.

Understanding the 2015 U.S. Fraud Liability Shifts

EMV Hardware

Important each piece of EMV hardware (pinpad, chip reader) must be certified with each processor and each piece of software. This severely limits the available pinpads for a given processor due to the time and expense of EMV certification. Just because a pinpad has a chip reader, it does not mean it is EMV certified with any or your processor.

These devices have been tested with Windward System Five. They are not available with all processors yet. Not all devices have been tested with all supported processors by Windward Software.

  • VeriFone vx805
  • Ingenico iSC250

These devices are now supported supported by Datacap, but have not been tested with System Five. They are not available with all processors.

  • Ingenico iPP320
  • Ingenico iPP320
  • Ingenico iSC480
  • Equinox L5200
  • Equinox L5300

These devices will NOT be EMV certified as they are no longer PED/PCI compliant.

  • ingenico 6xxx series
  • Verifone SE1000
  • Verifone Everest
  • Verifone 2000
  • VeriFone vx810

Which PIN Pad Should I Purchase?

Currently the Vx805 is the only EMV PIN Pad certified with Mercury Payments. Other processors will also support the Vx805, and can currently be used without EMV. They are much cheaper than any of the signature capture supported PIN Pads, easy to purchase and easy to install. You will need a ball point pen for the signature.

Do you need EMV?

  • EMV only applies to card present transactions. The liability for ecommerce, mail order, telephone orders and contactless remain the same (the merchant currently accepts most of the liability for these transactions, no matter how hard you try).
  • How many charge back requests do you currently get now? The number of fraudulent transactions will increase as other merchants adopt EMV.
  • If you are a merchant that sells liquor, tobacco and other easily fenced items and currently have a large number of chargebacks you will want to adopt EMV quickly.
  • If you don't adopt EMV how do you protect yourself? Same way you do now.

US EMV Debit Network

The US EMV Debit network is not fully EMV compliant for all processors,banks and banking networks. Please contact your merchant services provider for information. Some debit transactions will require you to swipe a debit chip card, some will process as if it is a credit card.

EMV Currently Debit is available for

  • TSYS Summit
  • Firstdata Rapid Connect
  • Elavon
  • Worldpay IP

Signature Debit

A signature debit transaction is when you process a debit card by having your customer sign the sales receipt instead of entering their PIN number.
Processing a debit card in this manner causes the transaction to be routed through Visa, MasterCard or Discover's interchange instead of through a PIN debit network. For this reason, signature debit transactions are also referred to as offline debit transactions because the transaction is off the debit network's radar. Depending on which card brand's logo is on the debit card, Visa, MasterCard or Discover's interchange fees are used to determine the charge for a signature debit transaction.

PIN Debit

A PIN debit transaction is when you process a debit card by having your customer enter her personal identification number (PIN) using a PIN pad to complete the transaction. Processing a debit card using a PIN causes the transaction to be routed through a debit network instead of through Visa, MasterCard or Discover interchange. In the case of a PIN debit transaction, the debit network through which the transaction is routed will determine the charge for the transaction.

Which method is cheaper?

Signature debit transactions are less expensive than PIN debit for businesses with smaller average tickets. PIN debit transactions are less expensive for businesses with larger average tickets. The reason for the difference comes down to the fee structure of signature versus PIN debit transactions. Signature debit transactions have higher percentage-based fees and lower transaction-based fees, while PIN debit transactions have lower percentage-based fees and higher transaction-based fees. This difference in charges is mainly due to the processor's markup that is applied to each type of transaction. In the case of a signature debit transaction both a percentage-based and transaction-based markup is applied by the processor.

Durbin Amendment Cap

The Durbin Amendment to the Wall Street Reform and Consumer Protection Act has capped debit fees at 0.05% plus a $0.21 transaction fee for banks with assets of $10 billion dollars or more. Banks with less than $10 billion in assets have not had their fees capped. The rates used in the examples above assume that unregulated debit cards were accepted.

The Durbin Amendment has caused the card brands to create two sets of fees: one for regulated card-issuing banks, and another for unregulated card-issuing banks.

Level 2 Processing (Level II)

Level 2 Processing sends tax, purchase order number or customer number information. Purchase Card transactions (credit cards assigned to businesses) require this information and transactions without it will be subject to higher transaction rates. Windward System Five supports Level 2 with some processors.

Level 3 Processing (Level III)

Level 3 processing has field information such as the items sold or discounts given. Credit card transactions submitted can obtain lower interchange rates and provide merchants with a lower processing cost. Level 3 Processing not supported.

Important Information

FAQ

Q. How can I configure the transaction slips.
A. The transaction slips are certified as part of the EMV certification. They can not be altered without recertification.

Q. The customer does not know their PIN and the card is asking for a PIN.
A. The customer will have to contact their bank to obtain a PIN. There is no provision to sign for chip card that has been programmed for a PIN when running the card through an EMV enabled PIN Pad.

Q. The card used to be able to be used as a credit card where the customer signs or a debit card where the customer enters a PIN.
A. If the card is programmed to be used as a credit or debit card, the customer will be prompted on the PIN pad whether they want to use credit or debit. They will still be asked to enter a PIN number for credit if that is how the issuing bank programmed the CHIP card.

faq/emv-us.txt · Last modified: 2020/09/21 09:57 by kturner