EMV Frequently Asked Questions

 

Standard merchant services fees and charges apply to all transactions including chip card transactions. Refer to your Pricing Schedule for details.
Yes, your terminal will still allow you to swipe a magnetic stripe card to process transactions. You will however need to insert all chip cards into the slot of the terminal after your upgrade.
Yes, you will need to insert all chip cards after you have upgraded to an EMV terminal. If you swipe a chip card your terminal will prompt you to insert the card. The terminal prompts are very easy to follow and will guide you through your transaction.
If the chip card does not work when inserted, the transaction can be processed by swiping the magnetic stripe. If this does not work, request another form of payment.
Cardholder verification can vary and the terminal will prompt the cardholder and merchant when a signature or a PIN is required. When a signature is required, the receipt will print out a signature line and a signature must be obtained.
Increased Security - Chip cards offer a more secure way to process card transactions. The secure embedded microchip contains security data and software, and provides greater security. Reduction in Fraud - The chip security makes it more diffcult to fraudulently copy the details of the card. Accepting chip cards reduces your risk of processing a counterfeit, lost, or stolen card transaction and being subject to a chargeback.
As of October 1, 2015, if a merchant is not ready to accept EMV cards, the liability for fraudulent non-EMV transactions could shift from card issuers to merchants.

 

How to Perform and EMV Chip Card Transaction

 

WHEN PERFORMING AN EMV CHIP CARD TRANSACTION:
  1. When performing an EMV chip card transaction, insert the card into the Smart Card Reader slot with the chip contact facing upward
  2.  Leave the chip card in the slot until the transaction is completed and the terminal prompts you to remove it
  3. The terminal will guide you through the transaction process – simply follow the on-screen prompts
  4. When processing a transaction you may or may not want to include a tip, below are instructions on how to perform a tip and non-tip transaction
  5.  Remove the chip card when the terminal prompts that the transaction is complete

 

WITHOUT TIP
  1. Begin the purchase transaction
  2. Check for the Chip
  3. Insert the Chip Card when prompted (IMPORTANT: DO NOT remove the card until prompted)
  4.  Follow the prompts
  5. Remove the Chip Card when prompted
  6. Transaction is complete

 

WITH TIP

If you would like to use the tipping functionality you will need to turn on the EMV tipping functionality.
To turn it on your terminal needs to be set to 1 which is Tip after sale (in the terminal options it is called ‘Std Tip Only’).
In the terminal you will need to make sure the option called ‘Bypass Tip’ is set to off.

 

  1. Begin the purchase transaction
  2. Check for the Chip
  3. Insert the Chip Card when prompted (IMPORTANT: DO NOT remove the card until prompted)
  4. Follow the prompts (The terminal will ask for sale amount and then will ask Tip Required.) To input you will need to answer yes to add the tip right away
  5. Remove the Chip Card when prompted
  6. Transaction is complete

 

 

Note:

1. EMV cards require you to add the TIP to the “Final Sale” while card is still in the terminal. This is because once you remove the card adjustments can not be made.

2. EMV cards when processed as Pre-Auth amount can add the TIP with Capture or Settle Function, the option is available on the latest software release as of April 2016.