EMV

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Introduction

EMV (for Europay-MasterCard-Visa) is a global standard supporting the use of chip cards (ICC’s, “smart cards”) for card present debit and credit transactions.

Simplify supports EMV processing, both contact and contactless, for the following Tran Types:

  • Auth Only (01)
  • Sale (02)
  • Return (09)

Based on settings, each supported Transaction Type can be processed as either EMV or swiped. Please contact your Elavon representative for configuration setting.

When the POS sends a request to Simplify, it must populate the fields required to process the transaction. For in depth information on message requirements for EMV, see under EMV in the Fusebox Integration Guide.

Simplify will attempt to process a transaction as EMV when the chip reader successfully communicates with the chip to obtain card data, and EMV processing is enabled for the card type and transaction type.

EMV processing is largely transparent to the POS, with the exception of receipt printing. Additional Status Message codes are used for EMV processing; see under Simplify-Controlled Field Definitions.

Contactless EMV is supported using rules similar to those used for contact EMV. Contactless EMV is enabled separately from contact; please contact your Elavon representative if you would like to enable contactless EMV. Simplify can also be configured to process contactless transactions using MSD emulation.

EMV Receipt Printing

EMV rules require the printing of additional data on the receipt for contact and contactless EMV transactions. The fields that must be printed will vary by TPP (Acquirer) and transaction outcome.

The response message from Simplify for an EMV transaction will provide the POS with two ways to print required EMV data:

  • The Fusebox response includes fields specifically designed to provide receipt data (API 1378 and 1379). Simplify adds chip data to these EMV receipt fields before sending the POS a response.

  • For more control over printing, the print string can be built by the POS from individual data fields in the response, where each field contains data for one EMV tag.

See also:

  • Fields 1378 and 1379 in the sample Sale message below for examples of EMV receipt fields.
  • Just below for a list of commonly used tags.
  • EMV Receipts in the Fusebox Integration Guide for more information.

EMV Tags

EMV tags are typically present in the response to the POS in the following fields. (This is a generic list; specific transactions may omit some of these tags or include others not shown below.)

API Field #, ValueDescription
0054,05POS Entry Mode (EMV Tag 9F39)
0163,enCardholder Language Preference (EMV Tag 5F2D)
1300,6340AF8FFA1D0121Application Cryptogram (EMV Tag 9F26)
1301,E8D8ACF3A49D94373030Issuer Authentication Data (EMV Tag 91)
1302,221231Application Expiration Date (EMV Tag 5F24)
1303,5E0300Cardholder Verification Method (CVM) Results (EMV Tag 9F34)
1305,06010A03602000Issuer Application Data (EMV Tag 9F10)
1306,E0F8C8Terminal Capabilities (EMV Tag 9F33)
1307,8080008000Terminal Verification Results (TVR) (EMV Tag 95)
1312,124Terminal Country Code (EMV Tag 9F1A)
1313,01Application PAN Sequence Number (EMV Tag 5F34)
1314,A0000000031010Dedicated File Name (EMV Tag 84)
1315,0096ICC Application Version Number (EMV Tag 9F08)
1317,008CTerminal Application Version Number (EMV Tag 9F09)
1318,00000107Transaction Sequence Counter (EMV Tag 9F41)
1319,1C00Application Interchange Profile (EMV Tag 82)
1320,0145Application Transaction Counter (ATC) (EMV Tag 9F36)
1321,40Cryptogram Information Data (EMV Tag 9F27)
1322,22Terminal Type (EMV Tag 9F35)
1323,F131728BUnpredictable Number (EMV Tag 9F37)
1325,A0000000031010ICC Application Identifier (AID) (EMV Tag 4F)
1326,Visa CreditICC Application Preferred Name (EMV Tag 9F12)
1327,VISA CREDITTerminal Application Label (EMV Tag 50)
1328,A0000000031010Terminal Application Identifier (AID) (EMV Tag 9F06)
1332,FF00Application Usage Control (EMV Tag 9F07)
1334,7800Transaction Status Information (EMV Tag 9B)
1339,00EMV Response Code (EMV Tag 8A)
1350,92CA Public Key Index (EMV Tag 8F)
1354,03ICC Public Key Exponent (EMV Tag 9F47)
1357,124ICC Transaction Currency (EMV Tag 5F2A)
1358,00Cryptogram Tran Type (EMV Tag 9C)
1361,840Issuer Currency Code (EMV Tag 5F56)
1376, [see value below]CVM List (EMV Tag 8E)
1382,F000F0A001Additional Terminal Capabilities (EMV Tag 9F40)

1376,0000000000000000420142045E031F00

Sample EMV Sale Message

A sample Sale Request and Sale Response for an approved EMV transaction is shown below. Note concerning this sample:

  • The POS request to Simplify does not require modification for EMV.
  • Descriptions are given for response fields added to support EMV.
  • Additional fields, not shown in the samples, may also be sent to the POS for EMV.
  • For purposes of reference, EMV tags have been noted for potential EMV receipt fields.

Request

API Field #, ValueDescription
0001,02
0002,1.00
0007,219
0011,xxx..User Data. See Simplify-Controlled Field Definitions.
0013,022519
0014,143210
0017,0.00
0109,RETERM1
0110,205
0201,0.00
1008,ID:
5071,xxx…Defines whether card and cardholder are present. See Simplify-Controlled Field Definitions.
5104,xxx…Tip Settings. See Simplify-Controlled Field Definitions.
8002,SIMTESTVOLT
8006,TSTLA3

Response

API Field #, ValueDescription
0001,02
0002,1.00
0003,ID:4979252177090148
0004,1217
0006,CVI875
0007,219
0009,001
0011,xxx..Field 11 is defined as User Data. See Simplify-Controlled Field Definitions.
0013,022519
0014,143214
0017,0
0030,1
0032,022519
0033,173225
0035,2469
0036,116189977545650
0037,0
0043,228812
0047,M;1;1;1;0;1;5;1;3;1;3;C;0;4POS Data Code
0052,0Transponder / Proximity Indicator
0054,05POS Entry Mode (EMV Tag 9F39)
0055,9PIN Capabilities
0057,0ICC Chip Condition Code
0062,201
0109,RETERM1
0110,205
0112,400
0115,010
0125,707173225
0126,2
0129,1
0130,100
0140,USD
0163,frCardholder Language Preference (EMV Tag 5F2D)
0651,0000000
1000,VI
1001,VISA
1002,CARD 14/VISA TEST
1003,0000
1004,APPROVAL
1005,0010600008014593613999
1008,************0148
1009,AA
1010,COMPLETE
1012,0774
1200,0000AA
1300,2AF039B4B32A2DCCApplication Cryptogram (EMV Tag 9F26)
1301,CD120BA4CDD06DFB0012Issuer Authentication Data (EMV Tag 91)
1302,171231Application Expiration Date (EMV Tag 5F24)
1303,410302Cardholder Verification Method (CVM) Results (EMV Tag 9F34)
1305,06010A03649C00Issuer Application Data (EMV Tag 9F10)
1306,E0F8C8Terminal Capabilities (EMV Tag 9F33)
1307,8000008000Terminal Verification Results (TVR) (EMV Tag 95)
1312,124Terminal Country Code (EMV Tag 9F1A)
1313,01Application PAN Sequence Number (EMV Tag 5F34)
1314,A0000000031010Dedicated File Name (EMV Tag 84)
1315,0001ICC Application Version Number (EMV Tag 9F08)
1317,008CTerminal Application Version Number (EMV Tag 9F09)
1318,00000190Transaction Sequence Counter (EMV Tag 9F41)
1319,1C00Application Interchange Profile (EMV Tag 82)
1320,05E1Application Transaction Counter (ATC) (EMV Tag 9F36)
1321,40Cryptogram Information Data (EMV Tag 9F27)
1322,22Terminal Type (EMV Tag 9F35)
1323,D67895E4Unpredictable Number (EMV Tag 9F37)
1325,A0000000031010ICC Application Identifier (AID) (EMV Tag 4F)
1326,CreditICC Application Preferred Name (EMV Tag 9F12)
1327,VISA TESTTerminal Application Label (EMV Tag 50)
1328,A0000000031010Terminal Application Identifier (AID) (EMV Tag 9F06)
1332,FF80Application Usage Control (EMV Tag 9F07)
1333,06152016Last Host EMV Key Download
1334,6800Transaction Status Information (EMV Tag 9B)
1339,00EMV Response Code (EMV Tag 8A)
1357,124ICC Transaction Currency (EMV Tag 5F2A)
1358,00Cryptogram Tran Type (EMV Tag 9C)
1359,2EMV CVM Verification Indicator
1361,0076Issuer Currency Code (EMV Tag 5F56)
1362,100EMV Cryptogram Amount
1363,000EMV Cryptogram Other Amount
1376, [see value below]CVM List (EMV Tag 8E)
1378, [see value below]EMV Approved Receipt Field List
1379, [see value below]EMV Declined Receipt Field List
1380,CHIPPOS Entry Receipt Indicator
1382,F000F0A001Additional Terminal Capabilities (EMV Tag 9F40)
4747,04050
5002,70117222
5004,G2
5010,EMVDC0838EMV kernel version
5070,xxx..Simplify Information. See Simplify-Controlled Field Definitions.
5071,xxx..Defines whether card and cardholder are present. See Simplify-Controlled Field Definitions.
5104,xxx..Tip Settings. See Simplify-Controlled Field Definitions.
7007,1116189775452137
8002,SIMTESTVOLT
8006,TSTLA3

1376,0000000000000000410342031E031F02

1378,1327|Label Application: ;1300|TC:;1307|TVR: ;1325|AID: ;

1379,1327|Label Application:;1300|AAC: ;1307|TVR: ;1325|AID: ;