Petroleum Solutions, Inc. 2700 Aldine Bender Houston, TX 77032 281-449-4027 EMV Compliance and POS/Dispenser Systems Preparing your store for EMV
Goals For This Session Understanding Planning Approach to Implemintation
EMV Overview The EMV name dates back to 1999 after EuroPay, MasterCard and Visa created EMVCo. Defines a set of standards between chip cards and payment terminals EMVCo manages, maintains, and enhances the specifications and is jointly owned by:
Why EMV? Improved payment security through the use of contact and contactless chip technology using dynamic authentication Prepare for Near Field Communication (NFC) based mobile payments Reduce chargebacks Enhanced loyalty programs (i.e. FRN, Return and Earn)
How Does EMVCo Ensure Merchant Compliance? Counterfeit Liability Shift Policies The party that is the cause of a chip-on-chip transaction not occurring (i.e. the issuer or the merchant) will be financially liable for any resulting card-present counterfeit fraud losses.
Key EMV Liability Shift Dates October 2015 (POS Terminals Inside) For Chip cards, Merchant liable, If non-chip terminal October 2017 (Dispensers) For Chip cards, Merchant liable, If non-chip terminal
EMV Liability Example POS Inside
EMV Liability Example Dispensers
EMV POS Upgrade Requirements Hardware Terminal Upgrades (EMV software requires this) Terminal replacement EMV Ready Pin Pads Transition to internet credit card transactions Software Install the most current version available By October 2015
EMV Dispenser Upgrade Requirements Hardware Install triple-des encrypted pin pads Install EMV certified credit card reader or Dispenser replacement Software Install current firmware and CRIND software By October 2017
Suggested EMV Implementation Plan Upgrade POS System now Upgrade Pin Pads now Upgrade Dispensers Upgrade to Indoor EMV Upgrade to Outdoor EMV
Passport POS System Upgrade Upgrade to V10 Software Now Requires active PSO agreement: Contact Gilbarco PSO center at 866-606-8969 with serial number Requires PX52 motherboard Upgrade to V11 by October 1, 2015 Must be on V10 to perform upgrade Trade-Up old PX52 for new PX60 All-In-One System (see PSI Sales Rep) Install Igenico isc250 Pin Pad Must be on V10 to install
VeriFone POS System Upgrade Upgrade to Commander - Commander replaces Sapphire - Ruby 2 & Ruby CI available Q4 2014 Upgrade to Ruby 2 and new POS terminals available late 2014 Install MX860 & newer pin pads
Ruby / Sapphire OCT 2015 OCT 2017 Sapphire GOOD THRU: Indoor EMV EMV at Pump Action: Replace Sapphire w/commander - Commander Sapphire + GOOD THRU: Ruby 2 Or Ruby Ci GOOD THRU: Smart Card Enabled PIN Pad
Suggested EMV Implementation Plan Upgrade POS System now Upgrade Pin Pads now Upgrade Dispensers Upgrade to Indoor EMV Upgrade to Outdoor EMV
Suggested EMV Implementation Plan Upgrade POS System now Upgrade Pin Pads now Upgrade Dispensers Upgrade to Indoor EMV Upgrade to Outdoor EMV
EMV Indoor Certification Required retailer compliance date: October 1, 2015 Network standards not yet established New software upgrades are possible due to the lack of existing standards
Suggested EMV Implementation Plan Upgrade POS System now Upgrade Pin Pads now Upgrade Dispensers Upgrade to Indoor EMV Upgrade to Outdoor EMV
EMV Outdoor Certification FlexPay II CRIND EMV Compliant Reader Mag Stripe Compatibility Dispenser Firmware Upgrade
Best Practices to EMV Certification Start today it s a long road - Site surveys of equipment & infrastructure - Work with vendors to create shopping list - Bake EMV into capital plans / strategy Planned Conversion it will take time - Build & validate phased deployment plan - Minimize site impact & financial outlay - Better technician utilization - Avoid last minute rush
Site Survey Form Preparing for EMV POS TERMINAL SURVEY 1 Terminal #1 Model No. Terminal #2 Model No. Terminal #3 Model No. Terminal #1 Serial No. Terminal #2 Serial No. Terminal #3 Serial No. Credit Card Network Device: (i.e. Cybera, HughsNET, etc) Help Desk/PSO Current: NOTES AND ASC RECOMMENDATIONS POS PIN PAD SURVEY 2 Pin Pad #1 Model No. Pin Pad #2 Model No. Pin Pad #3 Model No. Pedistal Installed: Yes / No Pedistal Installed: Yes / No Pedistal Installed: Yes / No NOTES AND ASC RECOMMENDATIONS DISPENSER SURVEY Dispenser #1 Model No: Dispenser #2 Model No: Dispenser #3 Model No: Dispenser #1 Serial No: Dispenser #2 Serial No: Dispenser #3 Serial No: Dispenser #1 Pin Pad: EPP: YES NO Dispenser #2 Pin Pad: EPP: YES NO Dispenser #3 Pin Pad: EPP: YES NO Dispenser #4 Model No: Dispenser #5 Model No: Dispenser #6 Model No: 3 Dispenser #4 Serial No: Dispenser #5 Serial No: Dispenser #6 Serial No: Dispenser #4 Pin Pad: EPP: YES NO Dispenser #5 Pin Pad: EPP: YES NO Dispenser #6 Pin Pad: EPP: YES NO Dispenser #7 Model No: Dispenser #8 Model No: Dispenser #9 Model No: Dispenser #7 Serial No: Dispenser #8 Serial No: Dispenser #9 Serial No: Dispenser #7 Pin Pad: EPP: YES NO Dispenser #8 Pin Pad: EPP: YES NO Dispenser #9 Pin Pad: EPP: YES NO Dispenser #10 Model No: Dispenser #11 Model No: Dispenser #12 Model No: Dispenser #10 Serial No: Dispenser #11 Serial No: Dispenser #12 Serial No: Dispenser #10 Pin Pad: EPP: YES NO Dispenser #11 Pin Pad: EPP: YES NO Dispenser #12 Pin Pad: EPP: YES NO
Questions?