Using EMV Devices with Shift4 Payments

Transcription

1 This dcument is intended fr merchants wh have EMV-capable payment devices that have already been cnfigured in the Universal Transactin Gateway (UTG ) TuneUp. The dcument utlines the steps needed t enable EMV (after all sftware and prcessr updates have been cmpleted). Basic Steps t Use EMV Payment Devices with Shift4 Payments Nte: The fllwing prerequisites must be met befre prceeding with the steps listed belw: Update UTG t the current versin. Update payment device applicatins t the current versin. Update the frms t the current versin. Fr mre infrmatin, cntact the Shift4 Payments Custmer Supprt team at , ptin Verify each installed UTG is running the mst current versin available. Our EMV certificatins require the current UTG versin. Shift4 Payments frequently updates the UTG by adding features and enhancements t imprve functinality. Yu shuld always try and keep yur UTG current. The current versin is available at: 2. Verify yur Ingenic and Verifne devices are running the latest firmware. It is recmmended that yu update t the latest applicatin versin available fr yur devices. Hwever, if yur devices are nt running the firmware versins listed belw, yu will need t dwnlad and push the update t yur devices because they are the minimum EMV supprted versins. See the Ingenic Telium Devices RBA Versins Supprted and Knwn Issues sectin f the Using EMV External Devices guide in MyPrtal fr mre infrmatin. If yu are using Ingenic Telium devices, they shuld be as fllws: P2PE-enabled RBA versin r higher If yu are using Verifne devices, they shuld be as fllws: P2PE-enabled FrmAgent versin r higher XPI versin 5200p r higher OS versin r higher fr Verifne PCI 3 r PCI 4 devices (unless yu are using a serial cable) 2019 Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 1 f 11

2 Nte: Fr a cmplete list f supprted RBA versins fr each Shift4 Payments supprted device, see the Ingenic Telium Devices RBA Versins Supprted and Knwn Issues sectin f the Using EMV External Devices guide in MyPrtal. 3. Lcate and recrd the API Terminal ID infrmatin fr each EMV payment device. Imprtant: The API Terminal ID is a value cnsisting f 1-32 alphanumeric characters. It is specific t each PIN pad, and it is specified by the merchant r pint-f-sale (POS) r prperty management system (PMS) prvider. Shift4 Payments suggests a naming cnventin that keeps the API Terminal ID unique acrss the merchant s entire enterprise. (Fr example, where 702 is the stre number and 11 is the lane number where the PIN pad is statined fr use.) The API Terminal ID must be set in the POS/PMS, UTG, and Lighthuse Transactin Manager. The value must match s that thse systems can identify the PIN pad being used during the transactin. Stp the UTG if it is running as a service, and start the UTG in Standalne mde. Frm the menu, select Tune Up. Click the Devices tab and then click the desired payment device t highlight it. Click View under the Device sectin. In the API Terminal ID field, recrd the API Terminal ID number fr the payment device cnfigured. If yu have multiple EMV devices cnfigured n the Universal Transactin Gateway TuneUp screen, repeat the abve steps fr all EMV devices. Clse TuneUp. (If applicable) Stp UTG Standalne and start the UTG as a service. Nte: This infrmatin shuld als be available in the cnfiguratin settings f yur PMS/POS interface. Nte: If yu have unique API Terminal IDs, then lcating and recrding the device serial numbers can be ptinal Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 2 f 11

3 4. Lcate and recrd the Device Serial Number fr each payment device cnfigured in UTG TuneUp. If yur API Terminal IDs are nt unique, then the device serial number must be recrded and entered in Lighthuse Transactin Manager. Lcate and recrd the Device Serial Number fr each EMV payment device. Fr Ingenic Telium RBA devices, lcate the last eight digits f the serial number displayed n the back f the device. See the example belw: 2019 Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 3 f 11

4 Fr Verifne MX devices, lcate the last nine digits f the serial number (withut the dashes) displayed n the back f the device. See the example belw: Nte: If the labels are nt readable, the serial number can be btained frm the device screens. See the Using EMV External Devices guide in Lighthuse Transactin Manager Help fr directins. If yu are using an Ingenic Telium RBA device, lk in the Lcating the Ingenic Telium RBA Device Serial Number fr Lighthuse Transactin Manager sectin. If yu are using a Verifne MX device, lk in the Lcating the Verifne MX P2PE Device Serial Number fr Lighthuse Transactin Manager sectin. 5. Cnfigure the EMV payment devices in Lighthuse Transactin Manager. Lg in t Lighthuse Transactin Manager as the Accunt Administratr and cmplete the fllwing steps: Frm the menu, select Settings > EMV Devices. By default, the devices are gruped by Merchant Name Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 4 f 11

5 Under Device ID, click the ID number f the device yu wuld like t cnfigure. TIP: Yu can use the search feature, r ne f the clumn srt ptins t lcate the desired device. Imprtant: Clicking returns certain EMV device settings, such as Default Tdl, t the default settings. Other settings, such as the EMV Terminal Settings are nt affected. It is always advisable t write dwn the current settings befre making changes t be certain yu can get back t the previus state if needed. In the General Settings sectin, cmplete the fllwing steps: In the API Terminal field, enter the API Terminal ID that yu recrded earlier in the prcess Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 5 f 11

6 (If applicable) In the Device Serial (Optinal) field, enter the serial number that yu recrded earlier in the prcess. (This allws the UTG t validate that the API Terminal ID and device serial number match when dwnlading any settings cnfigured in Lighthuse Transactin Manager.) (If applicable) In the EMV Terminal Settings sectin, select the desired ptins: Visa Debit Opt Out If selected, Visa debit cards will nt be prcessed thrugh the Visa Debit/Credit AID (A ). Hwever, they culd be prcessed thrugh ther supprted AIDs. Fr additinal infrmatin, see the Visa Debit Opt Out Explained sectin. WARNING! If yu enable the Visa Debit Opt Out ptin, there may be sme Visa debit cards that yu will nt be able t prcess because there isn t a cmmn AID between the terminal and card. See the Visa Debit Opt Out Explained sectin fr mre infrmatin. Enable Fall Back If selected, when the EMV chip card fails, transactins can be prcessed by swiping the payment card. WARNING! Selecting Enable Fall Back may affect liability. An alternative wuld be t ask fr anther frm f payment. Disable EMV Reader in Offline Mde If selected, transactins can be prcessed in ffline mde. This allws the payment card t be prcessed by swiping, tapping, and/r manually entering the number instead f inserting the payment card. Prefer US Cmmn Debit Typically, Visa debit cards supprt tw applicatins: Glbal Debit Applicatin ID (labeled VISA DEBIT) and US Cmmn Debit AID (labeled US DEBIT). If selected (and if the card supprts the AID and the device is in the United States), the device will autmatically prcess transactins thrugh US 2019 Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 6 f 11

7 DEBIT. If cleared, the cardhlder will have t chse VISA DEBIT r US DEBIT n the device. The latter can be cnfusing t cardhlders, s yu may want t keep Prefer US Cmmn Debit selected. Quick Chip If selected, the cardhlder can remve their card sner (befre the authrizatin respnse is received n the device). In additin, the cardhlder can insert their card sner (similar t swipe ahead n nn-emv transactins). Enable Cashback (Canadian merchants nly) If selected, the device is enabled t prmpt fr cashback, but yu will nt be able t enable tip prmpting. If cashback is cnfigured differently in the UTG, then the UTG setting will prevail. Enable Tip Prmpting (Canadian merchants nly) If selected, the device is enabled t prmpt fr tips, but yu will nt be able t enable cashback. If enable tip is cnfigured differently in the UTG, then the UTG setting will prevail. Unattended If selected, yur device is cnfigured as being unattended. (If yur device is unattended, like a parking garage kisk r a service statin, select this ptin t prperly cnfigure it. Fr a cmplete list f supprted devices, see PIN Bypass: If selected, this ptin will allw the cardhlder t bypass entering their PIN n EMV transactins. This ptin can be used if the merchant is having issues with cardhlders nt remembering their PIN, r if the merchant wants t allw cardhlders t chse nt t enter a PIN fr any reasn. Hwever, there are liability shift implicatins t enabling this ptin if the issuer has prvided the card a higher level f EMV authenticatin by enabling PIN. If the merchant allws the cardhlder t bypass entering their PIN, then the fraud liability might shift back t the merchant. Selecting this setting can pen up a security hle where smene that has stlen anther persn's card can nw easily use the card by bypassing the PIN entry screen. PIN cdes are specifically used t prevent lst/stlen card fraud because the card wuld nt be usable unless the unauthrized user als had the cardhlder's PIN. Therefre, selecting this ptin is nt recmmended by Shift4 Payments. (If applicable) In the Cardhlder Verificatin Methds sectin, select r clear the desired ptins: 2019 Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 7 f 11

8 WARNING! Changes made in this sectin may affect EMV liability. If yu are unsure f a setting, cntact the Shift4 Payments Custmer Supprt team at , ptin 2 fr further guidance. Offline Plaintext PIN A cardhlder verificatin methd in which the custmer s PIN is entered n the PIN pad and sent unencrypted (in plaintext) t the chip card fr verificatin. Offline Encrypted PIN A cardhlder verificatin methd in which the custmer s PIN is entered n the PIN pad and sent encrypted t the chip card fr verificatin. Signature A cardhlder verificatin methd in which the custmer s signature is signed n the PIN pad. (If the transactin is deemed fraudulent, the signature can be cmpared t the signature n file with the card issuer.) Online Encrypted PIN A cardhlder verificatin methd in which the custmer s PIN is entered n the PIN pad and sent encrypted t the card issuer fr verificatin. N CVM A cardhlder verificatin methd in which n cardhlder infrmatin is required t verify the chip card is being used by an authrized cardhlder. Cnfigure EMV Applicatin ID Settings if needed. (If applicable) In the EMV Applicatin ID Settings sectin, cnfigure the desired settings fr the apprpriate applicatin. Fr mst f the settings, yu shuld check with yur prcessr befre changing. Tw cmmn settings are as fllws: Allw Partial Name Selectin Setting this flag allws the payment device t include applicatin IDs that partially match rather than being a full match when building a list f mutually supprted applicatins with the card Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 8 f 11

9 N Cardhlder Verificatin Methd T nt perfrm a Cardhlder Verificatin Methd (CVM), select the ptin and enter an amunt in the field. When the transactin is less than r equal t the amunt, a CVM will nt be perfrmed (if the card supprts nt perfrming a CVM as well). When the field is cleared, a CVM will be perfrmed n matter the amunt. Tip: Fr additinal infrmatin, click the Shw/Hide Help link t the right f each sectin header. Fr mre infrmatin, see the Accunt Administratr Guide in the Lighthuse Transactin Manager Help sectin. When yu have cnfigured yur EMV Applicatin ID Settings, cmplete ne f the fllwing steps: Click Save t save yur cnfiguratin settings fr the current device. Click Save and Next t save yur cnfiguratin settings fr the current device and lad the next device under the current MID fr cnfiguratin. 6. Cnfigure the Surce Serial in the Devices tab in UTG TuneUp. In the Surce Serial field, enter the accunt number under which the device is cnfigured in Lighthuse Transactin Manager. (Optinal) Update the EMV Device Cnfiguratin Settings in the UTG Standalne if yu wuld like the settings t be reflected immediately. Since the UTG autmatically dwnlads the EMV 2019 Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 9 f 11

10 Device Cnfiguratin Settings every hur (as needed), yu may wish t frg this step. Hwever, if yu want t immediately and manually dwnlad the updated settings fr an EMV device that has already been cnfigured successfully in Lighthuse Transactin Manager and UTG TuneUp, cmplete the fllwing steps: Right-click in the UTG Task Explrer windw, and then click Device Maintenance. In the Device Maintenance windw, select the terminal(s) yu want t dwnlad, and then click Dwnlad Nw. 7. Prcessing EMV Transactins At this pint, if yu have cmpleted the steps listed abve alng with the prerequisites, yu shuld be able t prcess EMV transactins. Run a test transactin via yur POS/PMS system and ensure that yu are able t prcess the transactin by inserting an EMV card. Imprtant: If yu are unable t prcess EMV transactins after dwnlading EMV Device Cnfiguratin updates, verify the serial number cnfigured in the UTG matches the accunt number under which the device is cnfigured in Lighthuse Transactin Manager Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 10 f 11

11 Appendix A: Visa Debit Opt Out Explained Be prepared because this gets a little cnfusing When an EMV card is inserted int a payment device, the device and card lk fr cmmn Applicatin Identifiers (AIDs), and they select ne r prmpt the cardhlder t select ne. When Visa implemented EMV, they decided t put bth debit and credit n the same AID, called Visa Debit/Credit AID (A ), which is intended t prcess Visa debit cards thrugh the Visa debit netwrk. The result was that yu culd prcess Visa credit and Visa debit, r neither. This wasn t ideal, s Visa prvided the Visa Debit Opt Out ptin, which allws a merchant t pt ut f prcessing Visa debit cards thrugh the Visa Debit/Credit AID, while still allwing Visa credit cards t prcess thrugh it. Fr example, in Canada, this ptin allwed Visa credit cards t be prcessed thrugh the Visa Debit/Credit AID and Visa debit cards t be prcessed thrugh the INTERAC Debit AID. In additin, Visa develped the Visa Cmmn Debit AID, which is intended t prvide a chice f debit netwrks. S, if yu select Visa Debit Opt Out, yu may still be able t prcess Visa debit cards because they may be prcessed thrugh the Visa Cmmn Debit AID. T put it simply, if yu enable this ptin, there may be sme Visa debit cards that yu will nt be able t prcess because there isn t a cmmn AID between the payment device and card. Belw are tw examples: Example One: A Canadian merchant wh wants t accept Visa credit cards but prcess all debit cards thrugh INTERAC may want t select Visa Debit Opt Out. T achieve this, the merchant can take the fllwing steps: The merchant verifies their payment devices supprt the Visa Debit/Credit AID and the INTERAC Debit AID. In Lighthuse Transactin Manager, the merchant selects Visa Debit Opt Out fr their payment devices. Any debit transactins will use the INTERAC Debit AID, as lng as n ther debit AIDs are supprted n the payment devices. Example Tw: A United States merchant wh wants t accept Visa debit cards but prcess them thrugh the Visa Cmmn Debit AID may want t select Visa Debit Opt Out. T achieve this, the merchant can take the fllwing steps: The merchant verifies their payment devices supprt the Visa Cmmn Debit AID. In Lighthuse Transactin Manager, the merchant selects Visa Debit Opt Out fr their payment devices. Visa debit cards will be prcessed thrugh the Visa Cmmn Debit AID Shift4 Payments, LLC. All rights reserved. Versin 1.6 External Use NDA Page 11 f 11