Datacap's EMV Roadmap

Just as we have with our existing out-of-scope payments solutions, Datacap will continue to certify new hardware from various OEMs going forward, enabling an unparalleled level of installation flexibility that stems from the freedom to choose hardware based on market demand and not being locked to a specific hardware provider or payment processor.

 

Current completed US EMV Certifications include:

 

 

EMV certifications coming soon:

More Coming soon...

What do I need to order?

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*Contact your dealer before ordering devices

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EMV: What you need to know

What is EMV?


EMV (Europay®, Mastercard®, Visa®) is a payment standard that utilizes a difficult-to-duplicate microchip on the credit card, rather than the traditional magnetic stripe. In its primary format, the card is inserted (or "dipped") into an EMV compatible reader/PIN Pad for the duration of the transaction while the customer inputs a security PIN to establish valid card ownership.

The purpose of EMV is to reduce on-site credit card fraud by confirming that the card is both valid and in the hands of the correct owner. EMV does not however, protect data after the transaction, so it does nothing to prevent site-wide data breaches. For this reason, merchants should utilize processors that support end-to-end encryption and tokenization to protect themselves from data breaches.

Who's Liable?


On October 1st, 2015, liability associated with the fraudulent use of counterfeit cards shifted from the card issuer to the acquirer - who is universally expected to shift that liability to the merchant. This shift only applied to merchants that have not implemented an EMV-enabled payment solution. Merchants are only liable for the amount of the fraudulent transaction. EMV does not affect the merchant's liability pertaining to data breaches or 'card not present' (ecommerce) transactions - where the bulk of stolen cards are used.

For this reason, many merchants who have little risk of fraudulent transactions will likely wait to move to EMV until they're due for a new Point of Sale, if at all. It's important to understand that EMV is not a mandate, just a liability shift. POS providers should be taking on a consultative role to help their merchants determine whether the move to EMV is a good fit for their business.

Why datacap for US EMV?



EXPERIENCE MATTERS: With plenty of experience in the Canadian EMV rollout, Datacap is ideally positioned to hit the ground running with EMV development and certifications in the US.


DEALER-CENTRIC - We sell our products exclusively through your authorized POS resellers, ensuring your customers receive top-tier service from a pro and that your recurring revenue is protected.


PLATFORM AGNOSTIC - Any seasoned POS provider will confirm that it's impossible to send every merchant to your preferred processing partner. So, EMV support on all processors is an absolute must.


VARIOUS HARDWARE - A 'one-size-fits-all' hardware approach to EMV won't fit any merchant very well. Datacap will cherry-pick the top devices from various OEMs to certify for EMV, so our partners can offer flexible EMV solutions.

How can you Prepare?


As Datacap releases EMV-enabled applications, existing users will have the ability to upgrade their software/hardware components to easily transition to US EMV. A hardware exchange may be required depending on the version of hardware currently in use, but upgrades will be simplified through an automated process for authorized Datacap resellers via PSCS™ (Payment Systems Config Server). This functionality will be available on PSCS shortly.

NETEPAY™ USERS: NETePay users should continue to install current versions of NETePay. These will be upgradeable to EMV versions once released. For users taking advantage of Datacap's various product usage programs, no fee will be assessed from Datacap for EMV upgrades. For purchased versions of software, standard upgrade fees will apply.

TRAN™ USERS: Tran users should be sure to install current hardware versions - TwinTran™ Server and PDCs™ or IPTran™ LT which will be upgradeable to support US EMV once updated applications are certified and released.

In the mean-time, it's important for solutions providers to take on a consultative role with their merchants pertaining to EMV. With all of the misinformation in the industry surrounding EMV, merchants will be looking to their POS provider for clear answers and advice as to whether EMV is a good fit for their business.

Check out Datacap's Guide to EMV for embedded Point of Sale for additional information.

Become an EMV Pro

Download one of Datacap's EMV guides below

Datacap's Guide to EMV

The EMV Liability Shift

EMV Fact Check

Additional EMV Resources 

Below are links to some excellent non-biased industry resources pertaining to US EMV.

What are you waiting for? Start accepting EMV Transactions with Datacap Today!