EMV Certification – Live Testing

After several months of arduous programming by Jeff and myself, we’ve finally begun live testing of flowerSoft’s EMV (European MasterCard Visa) certification at one of our shops.  We hope, if everything goes well, to be certified by the end of the month.

Once we’ve obtained the certification, you will be able to upgrade to flowerSoft 2017.
The 2017 version of flowerSoft will allow you to accept credit cards with chip technology.
If you are running flowerSoft 2016 and are up-to-date with your support payments, there is no charge for the upgrade.
If you are running an earlier version of flowerSoft, and are up-to-date with your support payments, there will be a $200 charge for the upgrade to flowerSoft 2017.

EMV compliance requires the use of Cayan’s Genius device.

As a retailer you’re concerned about credit card security. Not only for your customers, but for your own store as well. The EMV liability shift has been in effect for several months.
This means that if there is credit card fraud and you are not running an EMV device (you swiped the card instead of dipping it), the liability if yours and not the bank’s or credit card issuer.

The information below was taken from Cayan’s website.

What is the EMV liability shift and how does it affect me?

From October 1, 2015, US merchants accepting EMV card payments using non-EMV compliant technology are liable for fraudulent transactions. In order to reduce the risk of fraud and costs due to fraudulent transactions, merchants should make sure they are using EMV compliant equipment to process all EMV card payments.

By not upgrading to EMV-ready terminals, a merchant could become an easy target for hackers.

Why use EMV?

The United States is one of the last countries to adopt chip card technology and has 47 percent of the world’s fraud (with only 23 percent of total global purchases). Using EMV reduces the risk of credit card fraud, and helps to reassure customers that their data and credit card information is secure.

How does EMV work?

An EMV card stores its data on an embedded electronic chip, rather than a magnetic stripe. Theembedded chip allows a more sophisticated type of communication between the card and the payment terminal, than magnetic stripe cards allow. EMV cards use a unique transaction-identifying code each time a customer uses their card, making it easier to pinpoint fraudulent transactions.

Guiding customers through the changeover to EMV

Merchants should train their employees to pay close attention to the customer’s payment card. It the card is chip-enabled, they should instruct customers on the correct way to complete the transaction. Employees should inform customers:

  • To dip their card rather than swipe it
  • Not to remove their card from the payment terminal until the transaction is complete. If a customer removes their card before the end of the transaction, they are required to start the transaction process again, .

Currently, all payment terminals in the US still allow cards to be swiped, as some individuals have yet to receive EMV cards.

Preparing employees for customer questions

As EMV is a new technology, merchants should prepare employees for customer questions. They should make sure their employees are able to explain:

  • How EMV keeps a customer’s sensitive card information safe
  • That the transaction may take slightly longer, but it is much more secure.

Does my Genius device accept EMV cards?

Yes, your Genius device is EMV ready. You should prompt customers with chip cards to insert their card into the card slot that is located beneath the Genius device’s keypad and follow the on-screen instructions.

The Genius device’s card slot

My Genius device isn’t reading chip cards, what do I do?

Your Genius device is EMV ready. If your Genius device is not reading a chip card, check it is fully inserted into the card slot.

The Genius device’s card slot

The card is fully inserted but still isn’t being read:

  1. Remove the card from the device.
  2. Check the card slot is illuminated.
    • If the card slot is illuminated, try another card.
    • If the card slot is not illuminated, your POS may not be using up-to-date communication methods. Contact your POS provider to confirm that the integration between your POS and Genius is up to date.

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