Phase 2: In-Store Deployment
Train Your Employees
Chip cards will have both an EMV chip and a magnetic stripe, so employees should know how
to accept them and guide your customers through the checkout process. Employees should be
knowledgable about:
FALLBACK PROCEDURES:
If the chip card does not work
when inserted, the transaction
can be initiated by swiping the
card (fallback).
TERMINAL BEHAVIOR:
EMV-enabled terminals will
require card insertion and will
have new prompts for both
customers and cashiers.
Train Your Customers
LOST AND FOUND:
Because the new process
requires the card to stay in
the terminal, customers may
leave their cards behind.
Update your lost and found
procedures accordingly.
Customers should be aware of the new, more secure checkout process:
CARD REMOVAL REMINDERS:
Create point-of-purchase
materials to remind customers
to remove their cards after the
transaction.
IN-STORE AWARENESS:
Create awareness displays
and inform customers that you
now accept chip cards.
SOCIAL MEDIA AWARENESS:
Use social media to alert
customers that you now accept
chip cards.
Ensure Implementation is Working
To ensure you’ve taken all the steps correctly, run a staged rollout to manage initial troubleshooting:
•Have your point-of-sale (POS) provider replace
the test CAPKs (certificate authority public keys)
with the production CAPKs. Replacement of
test CAPKs with the production CAPKs will be
handled by your POS provider.
Connect with
DISCOVER
®
•Gather feedback from employees to improve
your training procedures.
•Monitor your number of transaction approvals
and failures.
The switch to EMV is vital, and Discover is here to help. Our resources and
EMV implementation best practices can help you accelerate your EMV
deployment, maximizing security for cardholders and opportunities for you.
­— DiscoverNetwork.com/emv
©2015 DFS Services LLC
A D I S C OVE R C OM PA N Y
PLAN YOUR MOVE TO EMV
Decrease Fraud and Transform Your Checkout Experience
THE WAY CONSUMERS PAY IS CHANGING.
EMV is the global standard for processing secure card present transactions. Used in over 80
countries, chip-enabled cards exchange unique authentication data with EMV-enabled terminals.
Unlike magnetic stripe cards, chip-enabled cards have these security components:
—HARDER TO DUPLICATE: The chip helps prevent card cloning.
—DATA AUTHENTICATION: Validates the card is genuine every time it is used.
Phase 1: Enable A More Secure Checkout Experience
Upgrade to EMV Terminals
Make the following considerations when upgrading your terminal or POS device.
—CRYPTOGRAPHY: Keys are used to generate unique data for each transaction.
Upgrading to chip-enabled terminals will effectively combat fraud at point-of-sale (POS) and drive
greater consumer confidence when making purchases.
How Does The Payment Experience Change?
Traditionally, U.S. consumers have swiped their cards to pay. However,
magnetic stripe cards have proven susceptible to counterfeit fraud. With
EMV, cards are no longer swiped. The chip requires a cardholder to either
“insert” the card into a terminal, or to simply “tap” or “wave” their card.
INSERTING
TAPPING
The U.S. accounts
for ~25% of
global transaction
volume, but 50%
of global fraud.
Business Insider, March 2014
Consumer inserts card and follows the terminal prompts
to either provide a signature or enter a PIN.
CVM Support: Your terminal must support two
Cardholder Verification Methods (CVMs) to avoid
the EMV Fraud Liability Shift:
Streamlined Terminal Deployment: Reducing the
number of terminal models you support will simplify
EMV certification and employee training.
• Signature: Cardholder signs for the transaction.
• PIN: Cardholder enters a PIN. PIN can be
validated offline by the terminal or online by the
issuer.
Contactless Payment Support: For a faster checkout
that supports all customers’ needs, choose a system
that supports contactless payments, so customers
can pay by tapping their card or NFC phone.
Important: If a merchant only supports Chip +
Signature, they are covered for counterfeit fraud
but not for lost and stolen transactions. By also
implementing Chip + PIN, a merchant can avoid
EMV fraud liability shift.
With contactless chip cards and NFC phones,
consumers tap or wave their card or phone over a
contactless enabled terminal.
Protect Your Business From Costly Liability
The transition to EMV takes time, so start planning now. Reach out to your
terminal provider, software vendors, gateways, processors and acquirers to
understand their EMV readiness. Find out when they plan to move to EMV,
and what actions they’ll require from you. Follow this 2 phased approach it contains all the steps needed for a successful migration to EMV.
Issuers have already begun issuing EMV chip cards. Effective October
2015, when consumers present a chip card, merchants who have not
upgraded to support EMV will become liable for lost and stolen and
counterfeit fraudulent transactions.
Terminal Management System: Your EMV terminals
should allow software update downloads and
remote removal of EMV encryption keys.
Terminal Prompts: Your terminal should prompt
customers through the transaction including inserting
and keeping the card in the terminal, prompting for
a PIN (if supported) and removing the card once the
transaction is complete.
Enablement
Depending on your payment system configuration, EMV enablement may
be different:
STAND-ALONE TERMINALS, often used by small businesses: Merchants
will obtain plug and play terminals that have been certified and
enabled for EMV from their acquirer or point of sale (POS) provider.
SEMI OR FULLY INTEGRATED SOLUTIONS, commonly used by mid
to large size merchants that utilize third party vendors for payment
processing and value added services (i.e. inventory management, order
fulfillment): Merchants will likely engage the vendors that supply the
current payment solution to understand the implications to enable EMV.