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====== 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 P400 ====

<note>**__NEW__ The Verifone P400 is available for FIS Worldpay IP (MercuryPay) US and Moneris Canada ONLY.**\\
{{:hardware:verifone_p400_290w_v4.1jpg.jpg?200|}}\\
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:\\
  * [[http://http://www.datacapepay.com/epay50/3728//|dsiEMVx version 1.46]] or higher is required.
  * [[http://www.datacapepay.com/epay50/3728/|Datacap Netepay 5.07.33 or higher is required.]]
  * System Five version version 6.2.4.64 or higher is required. 
  * [[https://datacapsystems.com/verifone-p400|Information on ordering this device]]

Please note that this device supports a new EMV feature called **Quick Chip** which is causing some confusion among merchants such as not asking for PIN on Debit. PIN is an option feature for credit and debit and is controlled by the card issuer and PIN Pad capabilities.\\
 https://www.fisglobal.com/en/insights/merchant-solutions-worldpay/article/emv-basics-that-merchants-need-to-know
\\
</note>\\


=== Supported Processors ===
  * [[http://info.worldpay.com/windward.html|FIS Worldpay Integrated Payments (Mercury) US ONLY]]
  * US Netepay Hosted
  * Canadian Moneris
  * Canadian Global Payments
  * Visit [[https://datacapsystems.com/verifone-p400]] for other certified processors.

==== Ingenico Lane 3000 Pinpad ====

<note>{{:hardware:lane3000_website-176x300.jpg?200|}}\\
[[https://datacapsystems.com/ingenico-lane-3000]]
  * USB connection
  * MSR, Chip and Pinpad
  * compact, cost-effective with LCD color display.

**Supported Processors**
  * Worldpay IP (Mercury)
  * Worldpay Core 610
  * Datacap netepay Hosted
  * Chase Paymentech
  * Heartland
  * TSYS
  * EVO
  * Global payments
  * First Data
</note>

==== Ingenico Lane 7000 Pinpad ====

<note>{{:hardware:lane-7000-3-4-l-without-standpole_hd_website-300x249.jpg?200|}}\\
[[https://datacapsystems.com/ingenico-lane-7000]]
  * USB connection
  * MSR, Chip, Signature Capture and Pinpad
  * LCD color display.

**Supported Processors**
  * Worldpay IP (Mercury)
  * Worldpay Core 610
  * [[faq:Datacap_netepay_Hosted|Datacap netepay Hosted]]
  * Chase Paymentech
  * Heartland
  * TSYS
  * EVO
  * Global payments
  * First Data
</note>
==== VeriFone Vx805 Pinpad ====

<note>**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** [[faq:mercury_tokenization|Tokenization]]** and **[[faq:end-to-end_encyption|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 [[:pinpads#verifone_vx805_with_end-to-end_encryption|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.
{{:faq:vx805ctls_right_020_pin-screen_550x550.png?200|}}
</note>
\\

==== Ingenico Link 2500 ====
<note>{{:hardware:link_2500_pinpad.jpg?200|}}\\
Size is 2.5" X 5"
The Ingenico Link 2500 is a small pocket sized portable Pinpad, chip reader and MSR. It must be connected to a POS workstation or windows tablet running System Five or the remote POS device manager; it can not be used as a standalone payment terminal.\\
   * Connection TCP/IP
   * MSR, Chip, PINPad
   * Available in System Five version 6.2.4.291
   * [[employee:Ingenico Link 2500 Setup|Ingenico Link 2500 Setup]]
Supported US Processors
   * Worldpay IP (Mercury)
   * Datacap Netepay Hosted
</note>

==== Ingenico iSC 250 Signature PIN Pad ====
<note important>**End Of Life**
  * Announcement: March 31, 2019
  * Last time Buy (LTB): December 31, 2019.
  * Last time Ship (LTS): March 31, 2020.
  * End of Support (EOS): March 31, 2023.
</note>
<note>** The ingenico iSC 250 now available for Worldpay Integrated Payments(Mercury) and others.**\\
{{:faq:isc250.png?200|}}\\
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:\\
  * [[http://www.datacapepay.com/downloadmenu/|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.
  * [[http://www.datacapsystems.com/ingenico-isc250|Information on ordering this device]]
</note>\\







[[:pinpads|Certified USA EMV PINPads]]\\
[[:installing_mercury_netepay_for_us-emv|Installing Mercury Netepay for US-EMV]]\\
[[:vantiv_pin_debit_upgrade|Vantiv/Mercury PIN Debit upgrade]]\\
[[Vx805 EMV Errors]]\\
[[iSC250 Errors]]\\
[[Processor EMV Supported Versions]]\\

<note important> **Please Read This. Important Information for clerks.\\
**{{:faq:emv_transactions.pdf|EMV Transaction Handling}}\\</note>
\\

===== Other US Processors =====

Most US processors have now been EMV Certified with datacap netepay.
  * [[https://www.datacapsystems.com/vantiv-mercury|Mercury (vx805, isc250)]]
  * [[http://vantiv.com|Vantiv]] 
  * [[https://www.sterlingpayment.com|Sterling Payment Technologies]] 
  * [[https://www.datacapsystems.com/chase-paymentech|Chase Paymentech]]
  * First Data - Rapid Connect - supports Cardnet, Nashville and BuyPass (Rapid Connect is the most favorable). 
  * TSYS (Host) 
  * Heartland Payments HOST 
  * WorldPay Core 610
  * Global 
  * Elavon 
  * 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.\\

[[http://www.emv-connection.com/downloads/2015/05/EMF-Liability-Shift-Document-FINAL5-052715.pdf|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
  * Verifone P400 (for some processors)
  * Ingenico iSC250 (end of life)
  * Ingenico Lane 3000
  * Ingenico Lane 7000 (signature capture)
  * Ingenico Link 2500 (portable but must be linked to System Five)

**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 


===== 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? [[:tips_on_avoiding_fraudulent_credit_card_transactions|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 ====
[[https://en.wikipedia.org/wiki/Durbin_amendment|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 is not supported**.




===== Important Information =====

  * [[http://usa.visa.com/merchants/grow-your-business/payment-technologies/credit-card-chip/liability-shift.jsp|Visa Liablity Shift]]
  * [[faq:emv_chip_cards|EMV Chip Cards in Canada]]
  * [[http://datacapsystems.com/emv-transition|Datacap roadmap]]
  * [[http://datacapsystems.com/s/Supported-Devices-List-12072015.pdf|List of Datacap supported Devices]]  These may not be supported by System Five. See second half for EMV Devices.

===== 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. \\