faq:emv-us
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faq:emv-us [2017/02/15 16:04 (7 years ago)] – [Signature Debit] craig | faq:emv-us [2023/09/05 08:48 (8 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 | + | |
+ | ===== FIS Worldpay | ||
+ | |||
+ | |||
+ | ==== Verifone P400 ==== | ||
+ | |||
+ | < | ||
+ | {{: | ||
+ | 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:// | ||
+ | * System Five version version 6.2.4.64 or higher is required. | ||
+ | * [[https:// | ||
+ | |||
+ | 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.\\ | ||
+ | | ||
+ | \\ | ||
+ | </ | ||
+ | |||
+ | |||
+ | === Supported Processors === | ||
+ | * [[http:// | ||
+ | * US Netepay Hosted | ||
+ | * Canadian Moneris | ||
+ | * Canadian Global Payments | ||
+ | * Visit [[https:// | ||
+ | |||
+ | ==== Ingenico Lane 3000 Pinpad ==== | ||
+ | |||
+ | < | ||
+ | [[https:// | ||
+ | * 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 | ||
+ | </ | ||
+ | |||
+ | ==== Ingenico Lane 7000 Pinpad ==== | ||
+ | |||
+ | < | ||
+ | [[https:// | ||
+ | * USB connection | ||
+ | * MSR, Chip, Signature Capture and Pinpad | ||
+ | * LCD color display. | ||
+ | |||
+ | **Supported Processors** | ||
+ | * Worldpay IP (Mercury) | ||
+ | * Worldpay Core 610 | ||
+ | * [[faq: | ||
+ | * Chase Paymentech | ||
+ | * Heartland | ||
+ | * TSYS | ||
+ | * EVO | ||
+ | * Global payments | ||
+ | * First Data | ||
+ | </ | ||
==== VeriFone Vx805 Pinpad ==== | ==== VeriFone Vx805 Pinpad ==== | ||
- | < | + | < |
- | * An US-EMV update for Mercury Payments | + | * 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 | + | * The Vx805 with Worldpay IP offers both** [[faq: |
- | * Please contact Windward Software for options for purchasing or renting [[: | + | * Please contact Windward Software for options for purchasing or renting [[: |
The vx805 supports:\\ | The vx805 supports:\\ | ||
* Swipe | * Swipe | ||
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\\ | \\ | ||
- | ==== Ingenico | + | ==== Ingenico |
+ | < | ||
+ | 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: | ||
+ | Supported US Processors | ||
+ | * Worldpay IP (Mercury) | ||
+ | * Datacap Netepay Hosted | ||
+ | </ | ||
- | < | + | ==== Ingenico iSC 250 Signature PIN Pad ==== |
+ | <note important> | ||
+ | * Announcement: | ||
+ | * Last time Buy (LTB): December 31, 2019. | ||
+ | * Last time Ship (LTS): March 31, 2020. | ||
+ | * End of Support (EOS): March 31, 2023. | ||
+ | </ | ||
+ | < | ||
{{: | {{: | ||
The iSC 250 supports:\\ | The iSC 250 supports:\\ | ||
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* Signature Capture | * Signature Capture | ||
* Contactless | * Contactless | ||
- | * Vantiv Integrated Payments | + | * 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:// | * [[http:// | ||
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* [[http:// | * [[http:// | ||
</ | </ | ||
- | The Equinox L5300 (chip, MSR, contactless, | ||
- | |||
- | ==== 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]] | ||
- | </ | ||
- | |||
- | [[http:// | ||
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[[: | [[: | ||
[[Vx805 EMV Errors]]\\ | [[Vx805 EMV Errors]]\\ | ||
- | [[iSC250 Errors]] | + | [[iSC250 Errors]]\\ |
+ | [[Processor EMV Supported Versions]]\\ | ||
<note important> | <note important> | ||
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* [[https:// | * [[https:// | ||
* [[https:// | * [[https:// | ||
- | * 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. | + | * 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 | + | * WorldPay |
- | * Global (available | + | * Global |
- | * Elavon (vx805) | + | * Elavon |
- | * Blue Pay | + | * Blue Pay (now available |
| | ||
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[[http:// | [[http:// | ||
]]\\ | ]]\\ | ||
- | ===== US EMV Debit Network ===== | + | |
- | The US EMV Debit network is not fully EMV compliant for all processors, | + | |
===== EMV Hardware ===== | ===== EMV Hardware ===== | ||
**Important** each piece of EMV hardware (pinpad, chip reader) must be certified with each processor and each piece of software. | **Important** each piece of EMV hardware (pinpad, chip reader) must be certified with each processor and each piece of software. | ||
- | **These devices | + | **These devices have been tested with Windward |
- | * Ingenico iPP320 | + | * VeriFone vx805 |
- | * Ingenico | + | * Verifone P400 (for some processors) |
- | * Ingenico | + | * Ingenico |
- | * Equinox L5200 | + | * Ingenico |
- | * Equinox L5300 | + | * 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.** | **These devices will __NOT__ be EMV certified as they are no longer PED/PCI compliant.** | ||
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* VeriFone vx810 | * 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, | * 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, | ||
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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? [[: | * If you don't adopt EMV how do you protect yourself? [[: | ||
- | ===== Debit Transactions ===== | ||
+ | |||
+ | ===== US EMV Debit Network ===== | ||
+ | The US EMV Debit network is not fully EMV compliant for all processors, | ||
+ | |||
+ | EMV Currently Debit is available for | ||
+ | * TSYS Summit | ||
+ | * Firstdata Rapid Connect | ||
+ | * Elavon | ||
+ | * Worldpay IP | ||
==== Signature Debit ==== | ==== 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.\\ | 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.\\ | ||
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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. | 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, | In the case of a PIN debit transaction, | ||
+ | |||
==== Which method is cheaper? ==== | ==== 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. | 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. | ||
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This difference in charges is mainly due to the processor' | This difference in charges is mainly due to the processor' | ||
In the case of a signature debit transaction both a percentage-based and transaction-based markup is applied by the processor. | In the case of a signature debit transaction both a percentage-based and transaction-based markup is applied by the processor. | ||
+ | |||
==== Durbin Amendment Cap ==== | ==== 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. | + | [[https:// |
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. | 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**. | ||
+ | |||
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* [[http:// | * [[http:// | ||
- | * [[faq: | + | * [[faq: |
* [[http:// | * [[http:// | ||
* [[http:// | * [[http:// |
faq/emv-us.1487203477.txt.gz · Last modified: 2017/02/15 16:04 (7 years ago) by craig