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U.S. Bank Europe DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
 
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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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Point to Point Encryption (P2PE) enhances the security of account data by encrypting it between a Point of Interaction (POI) device and the decryption environment. Starting with version 2.02.021, Simplify can be implemented as part of an Elavon PCI-validated P2PE solution (not supported for Canada). This will allow Simplify customers to reduce the scope of their PCI audits. 

The principal purpose of this section is to serve as a guide to inform users on the role of Simplify in Elavon’s PCI-validated P2PE solution. 

## Customer requirements 

Customer requirements for PCI-validated P2PE using Simplify can be summarized as follows:

- Ingenico Telium or Tetra PIN Pads using On-Guard encryption. See :magic-link[Versioning]{id="versioning"} for more information.

- All general requirements for secure communications must be followed. Network security must be reviewed periodically. 

- Any PCI-sensitive data received by the POS (encrypted or unencrypted) must be securely deleted when no longer needed.

- Printing must conform with PCI and TPP rules for masking.

- Informational Prompt messages (see :magic-link[Informational Prompting]{id="informational-prompting"}) must not be used to request PCI-sensitive data from the customer. 

## Encryption Types

Simplify supports two types of encryption (starting with version 2.02.021):

- The legacy Voltage encryption. Not eligible for PCI-validated P2PE.

- Ingenico's On-Guard encryption. Eligible for PCI-validated P2PE.

The type of encryption used in an implementation can be displayed on the
PIN Pad, as described under :magic-link[Versioning]{id="versioning"}. This information is also sent in API field 5004, which has been modified as follows:

### Encryption Provider ID (field 5004)

The Elavon API uses field 5004 to indicate the encryption type as
follows:

- G2 = Voltage

- OG = On-Guard (version 2.02.021 and higher)

## List-Based Transaction Processing

By default, Simplify sends transactions to Fusebox with PCI-sensitive data fields encrypted. Simplify uses two BIN lists to control and (if desired) modify this processing:

- Encrypt list – A non-configurable list containing BINs for PCI-protected PANs and any other BINs for which PCI-sensitive data fields can never be sent to Fusebox unencrypted. If this data cannot be encrypted, the transaction will not be sent to Fusebox and a bad card read response will be returned to the POS (no data).

- Return list – A merchant-configurable list containing BINs which will not be sent to Fusebox. These transactions will be returned to the POS unencrypted for use as determined by the merchant. Can only include BINs not in the Encrypt list.

If in neither list, the transaction will normally be sent to Fusebox encrypted (default processing). If there is an encryption failure not caused by system failure (e.g. data too long to encrypt), it will be sent unencrypted.

:::::notice{note}
If you want to use this list-based process to control transaction processing, please contact your Elavon representative regarding list configuration.
:::::


### Sample Transaction with Return Unencrypted Response

The following sample is for a Sale transaction whose BIN is in the Return list. Simplify sends a Return Unencrypted response to the POS.

#### Request 

| API Field #, Value| Description|
|-----|-----|
|0001,02	|Transaction Type|
|0002,4.00	|Transaction Amount|
|0007,9	|Transaction ID / Reference Number |
|0011,xxx..	|User Data. See :magic-link[Simplify-Controlled Field Definitions]{id="simplify-controlled-field-definitions"}.|
|0013,022519	|Transaction Date (current date) – MMDDYY|
|0014,215014	|Transaction Time (current time) – HHMMSS|
|0017,0.00	|Cash Back Amount|
|0109,TERM02	|Terminal ID (provided by Elavon)|
|0110,205	|Cashier ID|
|0201,0.00	|Tip Amount|
|1008,ID:	|Set to ‘ID:’ to request that an account Token be returned by Fusebox.|
|8002,ONGUARD	|Location Name (provided by Elavon)|
|8006,TSTLA3	|Chain Code (provided by Elavon)|

#### Return Unencrypted Response

The following response sends account data to the POS in the clear (API 0003). The Response Message field (API 1010) contains \*SLR WHITELIST, indicating a Return Unencrypted Response. Note that API 5004 (Encryption Provider ID) is not sent since the account data is not encrypted.

|API Field #, Value	|Description|
|-----|-----|
|0001,02	|Transaction Type|
|0002,4.00	|Transaction Amount |
|**0003,&&&&&&&&&&&&&&&&&=&&&&** | **Account data in the clear** See under :magic-link[Usage]{id="usage"} for details.) |
|0007,9	|Transaction ID / Reference Number |
|0011,xxx..	|User Data. See :magic-link[Simplify-Controlled Field Definitions]{id="simplify-controlled-field-definitions"}.|
|0013,022519	|Transaction Date (current date) – MMDDYY|
|0014,215014	|Transaction Time (current time) – HHMMSS|
|0017,0.00	|Cash Back Amount|
|0109,TERM02	|Terminal ID|
|0110,205	|Cashier ID|
|0201,0.00	|Tip Amount|
|1003,0000	|Response Code|
|1004,-99	|Response Message|
|1008,ID:	|Echoes value in request |
|1009,999	|Response Code|
| **1010,\*SLR WHITELIST.** | **Simplify-Generated Response Message** |
|5002,81112159	|Device Serial Number|
|5010,EMVDC0838	|EMV kernel version|
|8002,ONGUARD	|Location Name|
|8006,TSTLA3	|Chain Code|

P2PE

Alliance Offers

Data as a Service

Invitation to Apply

Accounts

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

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

Avvance

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

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

Incoming Webhooks

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

Simplify Overview

Ingenico Developer Guide 2.03.02x.121 Ver. 25-31

Simplify Introduction

Supported Hardware

General Guidelines

Message and Communications Protocols

Versioning

Financial Messages

Overview and Guidelines

Sale Message (Tran Type 02)

Auth Only Message (Tran Type 01)

Prior Auth Sale Message (Tran Type 07)

Incremental Authorization Message (Tran Type 75)

Full Authorization Reversal Message (Tran Type 61)

Partial Authorization Reversal Message (Tran Type 76)

Return Message (Tran Type 09)

Void Return Message (Tran Type 17)

Void Sale Message (Tran Type 11)

EBT Messages (Tran Types 02, 09, 11, 17, 24)

Gift Card Messages (Tran Types 01, 02, 07, 09, 11, 17, 24)

Inquiry Message (Tran Type 22)

 DCC Inquiry Message (Tran Type 46)

Token Request Message (Tran Type 37)

Cancel Message (Tran Type 80)

Health Message (Tran Type 73)

Batch Close Message (Tran Type 13)

Batch Inquiry Message (Tran Type 14)

Non-Financial Messages

Non-Financial Messages (Tran Type 36)

Signature Message (Tran Types 36-01, 36-02)

Version Number Inquiry Message (Tran Type 36-06) 

Initiate HEM/IngEstate Message (Tran Type 36-07)

Scrolling Receipt Request Message (Tran Type 36-10)

Scrolling Receipt Stop Message (Tran Type 36-11)

Exit Reversal Mode Message (Tran Type 36-12)

Informational Prompting Message (Tran Type 36-14)

System Command Message (Tran Type 36-15)

Allow Pre-Tendering Message (Tran Type 36-40)

Print Request Message (Tran Type 36-45)

Status Message (Tran Type 36-51)

POS SAF Processing

Offline Transaction Processing

Stand-In Response

Store and Forward Transactions 

EMV Considerations

EMV Tags and other EMV-related Response Fields

EMV Offline Situations

ICC (Chip) Declines and Simplify Reversal Mode

Pay-At-Table

Transaction Flow

Pay-At-Table API Fields

Messaging

Pay-At-Table Message Overview

Login Message (Tran Type 39-01)

Get Check Info Message (Tran Type 39-02)

Controlling screen flow after check selection

Check Detail Message (Tran Type 39-07)

Make Payment Message (Tran Type 39-05)

Print Receipt Message (Tran Type 39-06)

Simplify Payment Process

Print Receipt Request and Response (Tran Type 39-06)

Logout/Disconnect Message (Tran Type 39-04)

Recovery

Informational Prompting

General information for all tags

Generic messaging

Tag 010 - Text with Optional Buttons

Tag 011 - Static and Scrolling Text with Optional Buttons

Tag 012 - Text and Graphics with Optional Buttons

Tag 013 - Fast Graphics Download

Tag 014 - Text and Camera Image

Tag 020 - Scrolling Text 

Tag 030 - Virtual Keyboard

Tag 031 - Tactile Keypad

Tag 040 - Radio Buttons 

Tag 050 - Check Boxes