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Card-Present and EMV Authorizations

When a customer uses a payment card that is physically present to make a purchase, the purchase is known as a card-present transaction. This type of transaction typically occurs in a retail environment where merchants use point-of-sale (POS) terminals to accept payment cards.
To use this option:
  1. Under the 
    pointOfSaleInformation
     object, set the 
    cardPresent
     field to 
    Y
    .
  2. Under the 
    processingInformation
     object, set the 
    commerceIndicator
     field to 
    retail
    .
  3. Set the POS-related data fields under the 
    pointOfSaleInformation
     object: 
    entryMode
     (
    swiped
    keyed
    , etc.); 
    trackData
     (when 
    entryMode
     is 
    swiped
    ); 
    catLevel
     (type of cardholder-activated terminal); 
    terminalcapability
     (POS terminal’s capability).
  4. Set the card data fields under the 
    paymentInformation.card
     object:
    • cardType
    • cardNumber
       (where 
      entryMode
       = 
      keyed
      )
    • expirationMonth
    • expirationYear
    • securityCode
    • securityCodeIndicator
       (whether a CVN code was sent)
  5. Under the 
    orderInformation.amountDetails
     object, set the amount and currency of the transaction.
EMV (Europay, Mastercard, Visa) is a global standard for exchanging information between chip payment cards and POS terminals. A chip payment card has an embedded microchip. A chip payment card also has a magnetic strip on the back. If the card’s chip is unreadable, the magnetic strip can be used to complete the transaction. The EMV standards define the protocols for certain levels of transmission between chip payment cards and merchant processing devices:
  • Physical
  • Electrical
  • Data
  • Application
EMV transactions are more secure than magnetic strip transactions, which require visual inspection of the payment card. When an EMV chip payment card is used in a POS environment, it generates a cryptogram that changes with each transaction. This dynamic authentication provides an extra layer of security for the POS transactions.
To use this option:
  1. Under the 
    pointOfSaleInformation
     object, set the 
    cardPresent
     field to 
    Y
    .
  2. Under the 
    processingInformation
     object, set the 
    commerceIndicator
     field to 
    retail
    .
  3. Under the 
    pointOfSaleInformation
     object, set the POS-related data: 
    entryMode
     (
    contact
    contactless
    , or 
    msd
    ) and 
    capability
     (POS terminal’s capability). Chase Paymentech and FDC Nashville Global also require you to set 
    trackData
    .
  4. Set the EMV data under the 
    pointOfSaleInformation.emv
     object:
    • tags
      —EMV data that is transmitted from the chip payment card to the issuer and from the issuer to the chip card. The EMV data is in the tag-length-value format and includes chip payment card tags, terminal tags, and transaction detail tags. For information about the individual tags, see “Application Specification” in EMV 4.3 Specifications (http://emvco.com).
    • cardSequenceNumber
      —Number assigned to a specific card when two or more cards are associated with the same primary account number.
    • fallback
      —Indicates that a 
      fallback
       method was used to enter payment card information into the POS terminal, when a technical problem prevented a successful exchange of information between a chip payment card and a chip-capable terminal.
  5. Under the 
    orderInformation.amountDetails
     object, set the amount and currency of the transaction. For more information, refer to Process a Payment.
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