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:

ConfigurationHost connectivityHost message implementationEMV KernelContactless KernelPCI scope
Fully integratedECRECRTerminalTerminalECR and Terminal
Partially integratedECRTerminalTerminalTerminalTerminal


The ECR can be removed from the PCI CDE scope if the terminal uses P2PE (for partially and semi-integrated configurations)

Image of fully integrated POS architecture. More information in the table above.

Figure 1 POS Architecture – Fully integrated

Image of partially integrated POS architecture. More information in the table above.

Figure 2 POS Architecture – Partially integrated

Image of semi-integrated POS architecture. More information in the table above.

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.

Image of stand-alone POS architecture as described above.

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.

Online OnlyAll transactions are processed online.Yes
Offline with Online capabilitiesThis 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).
Offline onlyAll 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).

BrandProductAIDPayment TypeDCC Supported
Debit Network Alliance (DNA)U.S. Common DebitA0000006200620DebitNo
DiscoverExpresspay (ZIP)A0000003241010CreditNo
DiscoverU.S. Common DebitA0000001524010DebitNo
InteracCanadian Debit (in Canada)A0000002771010DebitNo
MasterCardCredit or DebitA0000000041010CreditYes
MasterCardInternational MaestroA0000000043060DebitNo
MasterCardU.S. MaestroA0000000042203DebitNo
UnionPay DebitDebitA000000333010101DebitNo
UnionPay CreditCreditA000000333010102CreditNo
UnionPay Quasi CreditCreditA000000333010103CreditNo
UnionPay Common DebitU.S. Common DebitA000000333010108DebitNo
VisaCredit or DebitA0000000031010CreditYes
VisaElectronA0000000032010Credit (North America)Yes
VisaVisa Common DebitA0000000980840DebitNo

Products in roadmap

The products below are not supported currently but are on the Elavon roadmap. Elavon supports Interac for Canadian merchants.

BrandProductAIDPayment Type
InteracCanadian Debit in U.S.A0000002771010Debit
UnionPay Electronic CashDebitA000000333010106Credit