EMV Credit/Debit Card Transactions

EMV (an acronym of Europay, MasterCard® and Visa®) is a global standard for payment cards embedded with computer chips and the technology used to authenticate EMV card (Chip Card) transactions. An EMV terminal communicates with the Chip Card at the time of acceptance to validate the authenticity of the card with the entity which issued the payment card.

U.S. card issuers are migrating to this global standard for payment cards to protect consumers and reduce the costs of fraud. The Chip Card is also referred to as a smart card, smart-chip card, chip-enabled smart card, chip-and-choice card (PIN or signature), EMV smart card or EMV card.

You can use XML API integration and encrypting devices to process Chip Credit Card and Chip Debit Card transactions.

Chip Card transactions are only applicable to terminals that are set up with the EMV  option and whose Market Segment is set to Retail  or Service.

In this section:

Supported Devices

You must integrate with a supported Ingenico device that uses the generic TDES DUKPT encryption scheme:

  • To extract the encrypted Tag Length Value (TLV) for Chip Card transactions
  • To extract the encrypted track data for fallback or swipe transactions

The supported Ingenico devices are as follows:

Smart Terminals Mobile Solutions
iSC250 Touch iCMP (mobile smart terminal)
iPP320 PIN Pad (RBA14.X OS) RP457 or RP350 (mPOS card reader)
Link 2500

Debit card transactions require integration to a PIN Pad that is injected with Elavon encryption keys to retrieve the following information:

  • DUKPT Value - This is the value returned by the PIN Pad device and used to encrypt the cardholder's PIN through the Derived Key Per Transaction (DUKPT) method.
  • PIN Block - The encrypted PIN entered by the debit cardholder as identification for the transaction.

Supported Card Brands

The following card brands/associations are supported in the following EMV card transactions:

Credit Card Sale and Auth Only Debit Card Sale
Visa
MasterCard
American Express
Discover
Visa Interlink
MasterCard Maestro
 
 

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Upon completion of the integration, EMV certification to the supported card brands/associations is required.

Transaction Processing

These steps outline the process of sending a Sale transaction to an EMV terminal.

  1. Initiate the transaction by submitting the transaction amount.
  2. If the terminal's Market Segment is set to Retail, proceed to Step 3.

    If the Market Segment is set to Service

    • Prompt to select or enter the Tip amount.
    • Confirm the total amount.
    • Submit the confirmed total amount.
    • Proceed to Step 3.
  3. Request a card read.
  4. If the cardholder inserts the card into the terminal and no error occurs, perform a Chip Sale transaction.

    If the cardholder inserts the card into the terminal and a read error occurs:

    • Enable fallback
    • Attempt a card swipe.

    If the cardholder inserts the card into the terminal and an unsupported association error occurs, attempt a card swipe.

    If the cardholder swipes the card on the terminal and one of the conditions is true, perform a Swipe Sale transaction.

    • Unsupported association error from a Chip Card read
    • Card is in fallback status
    • Card is not a Chip Card

    If the cardholder swipes the card on the terminal and the supported association is not in fallback, attempt a Chip Card read.

Chip Sale

  1. Update debit keys (Canada only)

    You have the option to upload the current days MAC/PIN keys with caddbkeyexchange. Generally, the upload is performed once a day at the start of business for the POS.

  2. Send an emvchipsale transaction.
  3. Receive the response.
    • Update the Chip Card with the transaction results.
    • Update the MAC/PIN keys if present. (Canada only)

      The Decline Response includes the MAC/PIN (ssl_mac_key/ssl_pin_key) keys if these are out-of-date.

    • If Not decline by card:
      • Send an emvchipupdatetxn transaction.
      • Receive the response.

      If Decline by card

      • Send an emvreverse transaction.
      • Receive the response.

Swipe Sale

  1. Send an emvswipesale transaction.
  2. Receive the response.