EMV Introduction
This is Elavon’s EMV Implementation Guide for Point of Sale (POS). It contains generic EMV implementation requirements and guidelines for interfacing to Elavon, as well as the specific EMV implementation required to connect the different front ends/message specifications (Fusebox, viaConex, Encompass4, Converge, and ISO-8583).
Configurations supported
POS configurations
Multiple POS configurations are possible for both EMV and traditional Magnetic Stripe processing. In this section, the supported configurations (integrated and standalone)and their variations (fully integrated, partially integrated, and semi-integrated) are listed.
Integrated configurations
Integrated POS configurations are solutions where an external terminal is connected to an Electronic Cash Register (ECR), adding EMV contact and contactless functionalities to it.
Integrated solutions have different implementations, depending on the division of roles between the ECR and the Point of Sale:
| Configuration | Host connectivity | Host message implementation | EMV Kernel | Contactless Kernel | PCI scope |
|---|---|---|---|---|---|
| Fully integrated | ECR | ECR | Terminal | Terminal | ECR and Terminal |
| Partially integrated | ECR | Terminal | Terminal | Terminal | Terminal |
| Semi-integrated | Terminal | Terminal | Terminal | Terminal | Terminal |
note
The ECR can be removed from the PCI CDE scope if the terminal uses P2PE (for partially and semi-integrated configurations)
Figure 1 POS Architecture – Fully integrated
Figure 2 POS Architecture – Partially integrated
Figure 3 POS Architecture – Semi-integrated
Standalone configurations
Standalone POS configurations are solutions where the EMV logic (contact and contactless) and the acquirer host message implementation is managed within the terminal. In this configuration, there is no interaction with an ECR, if present.
Standalone implementations sometimes use an external PIN pad or contactless extension.
Figure 4 POS Architecture – Standalone
Transaction Authorization modes
Multiple authorization modes exist for processing transactions. The table below summarizes the different configurations, their meaning, and their support through Elavon.
| Mode | Designation | Supported |
|---|---|---|
| Online Only | All transactions are processed online. | Yes |
| Offline with Online capabilities | This mode supports multiple scenarios: 1. Transactions authorized offline, based on specific risk management features. 2. Transactions are sent online for authorization based on terminal configuration and/or if they cannot be authorized offline. Please note that this mode is different from STIP (Stand-In Processing). | Yes |
| Offline only | All transactions are processed offline. This mode is used on specific scenarios (e.g: unattended cardholder activated –or UCAT) and is outside the scope of this document. | No |
Supported products
The following table summarizes the products supported by brand, and which products support DCC (Dynamic Currency Conversion).
| Brand | Product | AID | Payment Type | DCC Supported |
|---|---|---|---|---|
| Amex | Credit | A00000002501 | Credit | No |
| Debit Network Alliance (DNA) | U.S. Common Debit | A0000006200620 | Debit | No |
| Discover | Credit | A0000001523010 | Credit | No |
| Discover | Expresspay (ZIP) | A0000003241010 | Credit | No |
| Discover | U.S. Common Debit | A0000001524010 | Debit | No |
| Interac | Canadian Debit (in Canada) | A0000002771010 | Debit | No |
| JCB | Credit | A0000000651010 | Credit | No |
| MasterCard | Credit or Debit | A0000000041010 | Credit | Yes |
| MasterCard | International Maestro | A0000000043060 | Debit | No |
| MasterCard | U.S. Maestro | A0000000042203 | Debit | No |
| UnionPay Debit | Debit | A000000333010101 | Debit | No |
| UnionPay Credit | Credit | A000000333010102 | Credit | No |
| UnionPay Quasi Credit | Credit | A000000333010103 | Credit | No |
| UnionPay Common Debit | U.S. Common Debit | A000000333010108 | Debit | No |
| Visa | Credit or Debit | A0000000031010 | Credit | Yes |
| Visa | Electron | A0000000032010 | Credit (North America) | Yes |
| Visa | Visa Common Debit | A0000000980840 | Debit | No |
| Visa | Interlink | A0000000033010 | Debit | No |
Products in roadmap
The products below are not supported currently but are on the Elavon roadmap. Elavon supports Interac for Canadian merchants.
| Brand | Product | AID | Payment Type |
|---|---|---|---|
| Interac | Canadian Debit in U.S. | A0000002771010 | Debit |
| UnionPay Electronic Cash | Debit | A000000333010106 | Credit |