Transcript
HQ
CR
SAV
MONTH/YEAR
12/10
1234 5678 9876 5432
VALID THRU
JANE CITIZEN
E N T E R
EMV – Processing Chip Cards For more detailed information always refer to your EFTPOS Merchant Operating Guide. You can also call the St.George EFTPOS Helpdesk on 1300 650 977 if you have any further questions. • MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. • Visa® is a registered trademark of Visa Worldwide PTe Limited.
St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714. ST10761 A09/10 Information contained in this brochure was correct at time of printing (September 2010) and is subject to change.
Processing a Chip Card is Easy Step 1: Identifying a Chip Card. Simply look for the metallic square (the microchip) on the left-hand side of the card above the card number. If there is no microchip, swipe the card and process the transaction as you did previously. Step 2: Using a Chip Card. l Before
inserting the chip card, enter the transaction amount and press enter.
l Insert
the card into the slot at the base of the terminal when prompted (rather than swiping it) and leave the card in the terminal for the duration of the transaction.
Step 5: Check the Receipt for Approval. l If
the transaction is approved, check for a signature line.
l If
a signature line appears on the receipt, have the cardholder sign the receipt and then verify the signature (refer to image 2).
l If
no signature line appears, no signature is required (refer to image 3).
l Note
that when the customer enters their PIN, it does not guarantee the transaction will be PIN approved. A prompt will indicate the cardholder’s signature is still required.
while the chip card is read by the terminal.
VALID THRU MONTH/YEAR
12/10
1234 5678 9876 5432
JANE CITIZEN
l Wait
Here’s a brief summary of the changes and what you need to know about “EMV - Chip Card Acceptance”.If you need more detailed information please refer to your new EFTPOS Merchant Operating Guide (version 2.0).
EMV Capability EMV (Europay, MasterCard® and Visa®) is the latest in card security and means that if the card you are presented with contains a chip, the card must be inserted into the terminal chip reader rather than swiped (refer to image 1). If you do swipe rather than insert a chip card, don’t worry as the terminal will simply prompt you to insert the card.
Changed Transaction Process:
the terminal prompts to complete the transaction. on the card issuer, the transaction process may vary, so please read the screen carefully each time.
Some of the transaction processes have changed. The key changes are:
Step 4: PIN on Credit.
l The
l When
l All
l You
transaction amount is now entered prior to inserting or swiping the card. chip cards will need to be inserted into the chip reader. If you do not, the terminal will prompt you.
l The
prompts have been amended so they are more intuitive to the cardholder.
l Please
follow the terminal prompts and review your receipts to determine when a signature is required.
the cardholder elects not to use a PIN simply select ENTER.
Image 2
Image 3
Receipt with signature required
Receipt with no signature required
l If
l A
PIN is always required when a cardholder selects cheque or savings.
Yes, you will need to insert chip cards after your terminal upgrade. If you swipe a chip card your terminal will prompt you to insert the card instead. The terminal will always guide you through the transaction to make it easy for you to simply follow the prompts.
Why EMV? Magnetic stripe is an ageing technology. EMV brings Australia into line with the global move towards chip cards, making it easier for Australian cardholders to use their card overseas and for overseas visitors to transact here.
Can I Still Process Magnetic Stripe Cards?
the card supports a PIN, the terminal will prompt you for a PIN. should allow the cardholder the option of using their PIN, if they select their credit account.
EMV is an acronym for Europay, MasterCard, Visa – the three card schemes behind the global initiative to implement chip technology for the card payment industry. To put it simply, EMV is a general term for chip cards and their acceptance on EFTPOS terminals.
Chip cards offer a more secure way to process transactions. The chip contains security data and software providing greater security because it is more difficult to fraudulently copy the credit card details. Accepting chip cards will reduce your risk of processing a counterfeit, lost or stolen card transaction and being subject to a chargeback.
l Follow
l Depending
Your EFTPOS Terminal is Ready to Accept Chip Cards
What is EMV?
Do I Have to Use the Chip to Process Transactions?
What are the Benefits of Accepting Chip Cards?
Step 3: Completing the Transaction. Image 1
Frequently Asked Questions
Remember to always check the receipt to verify if a transaction has been approved.
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 it has been upgraded.
Image 4
How do I Insert the Chip Card into the Terminal? The Ingenico terminal has a slot in the front of the device, where the chip card is to be inserted (refer to image 4) 1. Check the terminal is displaying the message INSERT/SWIPE CARD. 2. Hold the card face-up with the chip towards the terminal. 3. Insert the card as far as it will go into the reader and continue processing the transaction. 4. Leave the card in the terminal until prompted to remove it.
