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U.S. Bank Europe DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
 
U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland.  Authorised by the Prudential Regulation Authority.  Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.  Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

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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:**


::page-heading-list{min-level=2 max-level=2 }


## 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     |

:::::notice{important}

 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 4.
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 4.
4. Request a card read.
5. 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.

EMV Credit/Debit Card Transactions

Alliance Offers

Data as a Service

Invitation to Apply

Bank Holidays

Card Activation

Card Controls

Challenge-Widget

Commercial Credit Cards

Commercial Statements

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Balance Transfers

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Incoming Webhooks

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards: Balance Summary

Rewards: Dashboard

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions: Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Elavon Payment Gateway

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Card as a Service API

Core Banking API

Money Movement API

Reference API

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Avvance Connect

Avvance Express

Avvance Flex

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Account Information 3LO

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Debit Card Phone Number Lookup

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Instant payments

Investment Accounting

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Converge Overview

Getting Started

Transaction Types

Credit Card Transactions Overview

Sale - ccsale

Auth only - ccauthonly

Auth Only Increment - ccauthonly

Verification - ccverify

Balance inquiry - ccbalinquiry

Return - ccreturn

Void - ccvoid

Completion - cccomplete

Delete - ccdelete

Update tip - ccupdatetip

Signature - ccsignature

Add recurring - ccaddrecurring

Update recurring - ccupdaterecurring

Delete recurring - ccdeleterecurring

Submit recurring payment - ccrecurringsale

Add installment - ccaddinstall

Update installment - ccupdateinstall

Delete installment - ccdeleteinstall

Submit installment payment - ccinstallsale

Credit card force - ccforce

Credit Card Credit - cccredit

Merchant Hosted Card On File

Debit Card Transactions

Debit Card Transactions Overview

Purchase - dbpurchase

Return - dbreturn

Auth Only - dbauthonly

Auth only Increment - dbauthonly

Complete - dbcomplete

Reverse - dbreverse

Debit - dbvoid

Delete - dbdelete

Inquiry - dbbainquiry

PINless bill pay - pldbillpay

Pinless debit purchase - pldpurchase

BIN Lookup - binlookup

Straight Send

Cash Tender Transactions

Cash Tender Transactions Overview

Sale - cashsale

Credit - cashcredit

EMV card transactions overview

Sale - emvchipsale

Auth Only - emvchipauthonly

Swipe sale - emvswipesale

Swipe auth only - emvswipeauthonly

Card update - emvchipupdatetxn

Reversal - emvreverse

Key exchange - emvkeyexchange

Legacy key exchange - caddbkeyexchange

Interac Refunds

Return - emvchipreturn

EMV DCC check - emvdcccheck

EBT Transactions

EBT transactions overview

Food stamp benefits

Purchase - fspurchase

Return - fsreturn

Inquiry - fsbainquiry

Force purchase - fsforcepurchase

Force return - fsforcereturn

Cash benefits

Purchase - cbpurchase

Inquiry - cbbainquiry

Gift Card Transactions

Gift Card Transactions Overview

Activation - egcactivation

Sale or Redemption - egcsale

Refund - egccardrefund

Replenishment or Reload - egcreload

Balance inquiry - egcbalinquiry