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faq:emv-us [2017/01/18 08:37 (7 years ago)] – [Other US Processors] craigfaq:emv-us [2023/09/05 08:48 (7 months ago)] (current) – [Ingenico iSC 250 Signature PIN Pad] craig
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 ====== EMV in the United States ====== ====== EMV in the United States ======
  
-The following is the current status of Chip and Pin - Chip and Sign payment processing with EMV and Windward System Five.\\+The following is the current status of Chip and Pin - Chip and Sign payment processing with EMV (Europay, MasterCard, Visa) and Windward System Five.\\
  
  
  
  
-===== Vantiv Integrated Payments (Mercury) =====+ 
 +===== 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 ==== ==== VeriFone Vx805 Pinpad ====
  
-<note>**SystemFive is now certified for US EMV transactions with Mercury Payments using the 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 Mercury Payments is now available in version 6.1.0.118 and version 6.2.0.1 +  * 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 Mercury Payments 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. +  * 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 Mercury Payments+  * 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:\\ The vx805 supports:\\
   * Swipe   * Swipe
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 \\ \\
  
-==== Ingenico iSC 250 PIN Pad ====+==== 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>
  
-<note>**__NEW__ The ingenico iSC 250 now available for Vantiv Integrated Payments(Mercury) and Heartland.**\\+==== 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|}}\\ {{:faq:isc250.png?200|}}\\
 The iSC 250 supports:\\ The iSC 250 supports:\\
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   * Signature Capture   * Signature Capture
   * Contactless   * Contactless
-  * Vantiv Integrated Payments and Heartland uses an Encrypted MSR so this device cannot be used for System Five Gift Cards. You can use with Vantiv Gift Cards. Heartland Giftcards are not supported.+  * 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:\\ Notes:\\
   * [[http://www.datacapepay.com/downloadmenu/|dsiEMVx version 1.06]] or higher is required.   * [[http://www.datacapepay.com/downloadmenu/|dsiEMVx version 1.06]] or higher is required.
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   * [[http://www.datacapsystems.com/ingenico-isc250|Information on ordering this device]]   * [[http://www.datacapsystems.com/ingenico-isc250|Information on ordering this device]]
 </note>\\ </note>\\
-The Equinox L5300 (chip, MSR, contactless,PIN and Signature) is also scheduled to be EMV enabled.\\ 
  
-<note important>**US EMV is available for credit transactions only**.\\ 
-**Debit transactions are not EMV ready yet, however swipe debit is now available for non EMV debit cards.**\\ 
-\\ 
  
-There is a global shortage of the EMV devices which is expected to take a few months to clear up. Get your orders in soon as these devices will be shipped on a first come, first served basis.\\ + 
-</note>\\+ 
  
  
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 [[:vantiv_pin_debit_upgrade|Vantiv/Mercury PIN Debit upgrade]]\\ [[:vantiv_pin_debit_upgrade|Vantiv/Mercury PIN Debit upgrade]]\\
 [[Vx805 EMV Errors]]\\ [[Vx805 EMV Errors]]\\
-[[iSC250 Errors]]+[[iSC250 Errors]]\\ 
 +[[Processor EMV Supported Versions]]\\
  
 <note important> **Please Read This. Important Information for clerks.\\ <note important> **Please Read This. Important Information for clerks.\\
-**{{:faq:emv_transactions.pdf|EMV Transaction Handling}}\\+**{{:faq:emv_transactions.pdf|EMV Transaction Handling}}\\</note>
 \\ \\
-</note>[[http://datacapsystems.com/news/2015/8/3/datacap-and-mercury-announce-certified-emv-solution-for-point-of-sale|Mercury is now certified with the vx805]]\\+
 ===== Other US Processors ===== ===== Other US Processors =====
  
-The following processors are available in the first wave of EMV Implementation by datacap.+Most US processors have now been EMV Certified with datacap netepay.
   * [[https://www.datacapsystems.com/vantiv-mercury|Mercury (vx805, isc250)]]   * [[https://www.datacapsystems.com/vantiv-mercury|Mercury (vx805, isc250)]]
   * [[http://vantiv.com|Vantiv]]    * [[http://vantiv.com|Vantiv]] 
   * [[https://www.sterlingpayment.com|Sterling Payment Technologies]]    * [[https://www.sterlingpayment.com|Sterling Payment Technologies]] 
   * [[https://www.datacapsystems.com/chase-paymentech|Chase Paymentech]]   * [[https://www.datacapsystems.com/chase-paymentech|Chase Paymentech]]
-  * 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+  * First Data - Rapid Connect - supports Cardnet, Nashville and BuyPass (Rapid Connect is the most favorable).  
-  * TSYS (Host) +  * TSYS (Host)  
-  * Heartland Payments HOST (now available using the ingenico iSC-250) +  * Heartland Payments HOST  
-  * WorldPay (available now) +  * WorldPay Core 610 
-  * Global (available now using the ingenico iSC-250) +  * Global  
-  * Elavon (vx805) +  * Elavon  
-  * Blue Pay+  * Blue Pay (now available using the ingenico iSC-250)
  
      
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 [[http://www.emv-connection.com/downloads/2015/05/EMF-Liability-Shift-Document-FINAL5-052715.pdf|Understanding the 2015 U.S. Fraud Liability Shifts [[http://www.emv-connection.com/downloads/2015/05/EMF-Liability-Shift-Document-FINAL5-052715.pdf|Understanding the 2015 U.S. Fraud Liability Shifts
 ]]\\ ]]\\
-===== US EMV Debit Network ===== 
-The US EMV debit network will not be available until early 2016.\\ 
- 
-Mercury / Vantiv debit transactions using the Magnetic Stripe will be available sometime in October. In the meantime Debit cards can be run as credit transactions.\\ 
- 
-US Chip and PIN Debit will not be available until early 2016. This is an issue with the US banking network, not the credit card processors or Windward Software.\\ 
  
-Contactless EMV will not be available until early 2016. Until this time, contactless payments will be processed as swiped transactions, not EMV transactions.\\ 
 ===== EMV Hardware ===== ===== 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. \\+**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 are planned on being supported by Datacap in Q1 2016.** +**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.** 
-  * Ingenico iSC250 Available Now for Vantiv (Mercury+  * VeriFone vx805 
-  * Ingenico iPP320 +  * Verifone P400 (for some processors
-  * Ingenico iPP320 +  * Ingenico iSC250 (end of life) 
-  * Ingenico iSC480 +  * Ingenico Lane 3000 
-  * Equinox L5200 +  * Ingenico Lane 7000 (signature capture) 
-  * Equinox L5300+  * 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.** **These devices will __NOT__ be EMV certified as they are no longer PED/PCI compliant.**
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   * Verifone Everest   * Verifone Everest
   * Verifone 2000   * Verifone 2000
-  * VeriFone vx810 (though these are still being deployed for EMV in Canada).+  * 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? ===== ===== 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).   * 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).
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   * 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 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]].    * 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 ===== ===== Important Information =====
  
   * [[http://usa.visa.com/merchants/grow-your-business/payment-technologies/credit-card-chip/liability-shift.jsp|Visa Liablity Shift]]   * [[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 the Canada]]+  * [[faq:emv_chip_cards|EMV Chip Cards in Canada]]
   * [[http://datacapsystems.com/emv-transition|Datacap roadmap]]   * [[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.   * [[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/emv-us.1484757452.txt.gz · Last modified: 2017/01/18 08:37 (7 years ago) by craig