Europay, Mastercard, Visa (EMV)
Information in this guide about EMV applies to payment card processing and PIN debit processing. All other information in this guide applies only to payment card processing. PIN debit processing is available only on FDC Nashville Global.
Services:
nAuthorization
nAuthorization reversal
nCapture
nCredit
nPIN debit credit—supported only on FDC Nashville Global.
nPIN debit purchase—supported only on FDC Nashville Global.
nPIN debit reversal—supported only on FDC Nashville Global.
Processors:
nAmerican Express Direct
nChase Paymentech Solutions
nCredit Mutuel-CIC
nFDC Nashville Global
nGPN
nOmniPay Direct—First Data Merchant Solutions (Europe) only.
nProsa
nSIX
Card Types for Contact EMV Transactions:
nAmerican Express Direct
lAmerican Express
nChase Paymentech Solutions
lAmerican Express
lDiners Club
lDiscover
lMastercard
lVisa
nCredit Mutuel-CIC
lCartes Bancaires
lMaestro (International)
lMaestro (UK Domestic)
lMastercard
lVisa
lVisa Electron
nFDC Nashville Global
lAmerican Express
lChina UnionPay
lDiners Club
lDiscover
lJCB
lMaestro (International)
lMastercard
lVisa
nGPN
lAmerican Express
lDiners Club
lDiscover
lJCB
lMastercard
lVisa
nOmniPay Direct
lMastercard
lVisa
nProsa
lAmerican Express
lCarnet
lCarte Blanche
lDiners Club
lDiscover
lMastercard
lVisa
nSIX
lChina UnionPay
lDiners Club
lDiscover
lJCB
lMaestro (International)
lMaestro (UK Domestic)
lMastercard
lVisa
lVisa Electron
Card Types for Contactless EMV Transactions:
nAmerican Express Direct
lAmerican Express ExpressPay
nChase Paymentech Solutions
lAmerican Express ExpressPay
lDiners Club
lDiscover
lMastercard PayPass
lVisa payWave
nCredit Mutuel-CIC
lMastercard PayPass
lVisa payWave
nFDC Nashville Global
lAmerican Express ExpressPay
lChina UnionPay
lDiners Club
lDiscover
lJCB
lMastercard PayPass
lVisa payWave
nGPN
lAmerican Express ExpressPay
lDiners Club
lDiscover
lJCB
lMastercard PayPass
lVisa payWave
nOmniPay Direct
lMastercard PayPass
lVisa payWave
nProsa
lAmerican Express
lCarnet
lCarte Blanche
lDiners Club
lDiscover
lMastercard
lVisa
nSIX
lMastercard PayPass
lVisa payWave
EMV is a global standard for exchanging information between chip cards and POS terminals. A chip card is a credit or debit card with an embedded microchip. A chip card also has a magnetic stripe on the back of the card, which can be used for a back-up transaction when the card’s chip cannot be read. The EMV standards define the protocols for all levels of transmission between chip cards and chip card processing devices: physical, electrical, data, and application.
Contactless EMV for Apple Pay and Google Pay transactions is supported.
Processors:
nFDC Nashville Global
nOmniPay Direct
nSIX
Card Types:
|
Card Type |
FDC Nashville Global |
OmniPay Direct |
SIX |
|
American Express |
Yes |
No |
No |
|
Discover |
Yes |
No |
No |
|
Mastercard |
Yes |
Yes |
Yes |
|
Visa |
Yes |
Yes |
Yes |
EMV Host Validation and Device Certification
A two-step process is used for host validation and device certification for EMV. Both steps must be completed to have a fully certified EMV solution.
1Host validation: Cybersource obtained host validation for the following processors:
nAmerican Express Direct
nChase Paymentech Solutions
nCredit Mutuel-CIC
nFDC Nashville Global
nGPN
nOmniPay Direct—First Data Merchant Solutions (Europe) only
nProsa
nSIX
2Device certification: Cybersource is working on device certification with Credit Mutuel-CIC, FDC Nashville Global, and SIX.
|
|
Before you purchase a device for use with EMV, contact your Cybersource representative. |
EMV Cards and Cardholder Verification Methods (CVMs)
Most chip-and-PIN cards allow a cardholder to provide a signature as a back-up option. Other EMV cards are chip-and-signature cards. For these cards, a signature is the preferred CVM, and a PIN can be used as a back-up option.
Chip-and-signature cards are more widespread in the U.S. Chip-and-PIN cards are more widespread outside the U.S.
On FDC Nashville Global, there are two different ways to decrypt PIN data:
nWith the Cybersource solution, which is the default solution, Cybersource injects the terminal with a fixed key and decrypts the PIN data.
nWith the third-party solution, Cybersource sends the encrypted PIN data to a third party who decrypts the PIN data and forwards it to the processor on your behalf. To enable third-party PIN data decryption for your Cybersource account, contact customer support.
When you use the Simple Order API in XML format, you must use version 1.86 or later of the XML schema to implement EMV.
EMV transactions are more secure from fraud than are magnetic stripe transactions, which require a visual inspection of the card. Chip-and-PIN cards are more secure from fraud than chip-and-signature cards. When an EMV chip 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 POS transactions.
For an EMV transaction, use the fields documented in EMV Request Fields. The following fields and values are specifically for EMV:
nRequest fields: see EMV Request Fields.
nReply fields: see Reply Fields.
nValues for pos_entryMode:
lcontact: Read from direct contact with chip card.
lcontactless: Read from a contactless interface using chip data.
lmsd: Read from a contactless interface using magnetic stripe data (MSD). The msd value is not supported on OmniPay Direct.
nValues for pos_terminalCapability:
l4: Terminal can read chip cards.
l5: Terminal can read contactless chip cards.