The nationwide shift to EMV is well underway. EMV (which stands for Europay,MasterCard and Visa) is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions. In the wake of numerous large-scale data breaches and increasing rates of counterfeit card fraud, U.S. card issuers are migrating to this new technology to protect consumers and reduce the costs of fraud.
For DBS merchants the switch to EMV means adding new in-store technology and internal processing systems, and complying with new liability rules. For your consumers, it means activating new cards and learning new payment processes. Most of all, it means greater protection against fraud.Coupling EMV with other payment types (such as Point to Point Encryption, or P2PE – and NFC, the technology behind ApplePay and Google Wallet) will give you and your clients the ultimate protection against fraud and data breaches. Here’s how DBS plans to attack these new payment options for your Point of Sale system:
Digital Dining and EMV
DIGITAL DINING: Clients will need to be running Digital Dining version 7.4.3 or later for EMV. DBS is partnering with a “Payment Gateway” called FreedomPay to handle encrypting data and processing EMV, P2PE and NFC transactions. A Payment Gateway acts as a middle-man between the POS system and the credit card processor to protect credit card details by encrypting sensitive information. This means you can stay with your current processor, and add on these payment services and protection. Steps needed to complete this setup for Digital Dining include:
- Upgrading your POS software to version 7.4.3
- Enrolling with FreedomPay as your payment gateway
- Purchasing new card swipe / pin pad devices to handle EMV, P2PE and NFC (DBS and FreedomPay currently support the Ingenico iPP350 terminals)Pay-at-the-table solutions coming soon!
Digital Dining will also be programming direct interfaces to certain processors to enable EMV without using a payment gateway. This is a lengthy and expensive certification process, and for that reason, certain processors will not be supported directly (without a gateway) in version 7.4.3 and higher.
Future POS and EMV
FUTURE POS: Future POS clients will need to upgrade to the latest version of the Point of Sale software to take advantage of EMV, P2PE and NFC solutions. They will be partnering with a “Payment Gateway” to handle encrypting data and processing these transactions. A Payment Gateway acts as a middle-man between the POS system and the credit card processor to protect credit card details by encrypting sensitive information. This means you can stay with your current processor, and add on these payment services and protection. Steps needed to complete this setup for Future POS include:
- Upgrading your POS software to the latest version.
- Enrolling with a payment gateway (to be determined)
- Purchasing new card swipe / pin pad devices to handle EMV, P2PE and NFC. Pay-at-the-table solutions coming soon!
Future POS is currently certifying their software with a Payment Gateway, and as soon as this solution is available, DBS will communicate options to all of our Future POS clients. They are also programming direct interfaces (without a gateway) – but this is a lengthy and expensive process. For that reason, only select processors will be directly supported in the newer versions of Future POS.
Catapult and EMV
CATAPULT: Catapult clients will need to upgrade their POS software to version 5.3.2 or higher to support the latest payment options. Catapult will support EMV and NFC directly through Mercury Payments or through other processors using NetEpay. P2PE is not currently available, but will be released soon, and only supported through Mercury Payments using the Equinox L5200/L5300 devices. Steps needed to enable EMV and NFC in Catapult include:
- Upgrading your POS software to version 5.3.2 or higher
- Configuring and testing your Mercury or NetEPay configuration. (When P2PE is available, you will need to resubmit your setup information to process on an encrypted platform with Mercury Payments.)
- Purchase new card swipe / pin pad / signature capture devices for your POS terminals. (DBS and Catapult currently support the Equinox L5200/L5300 devices.)
Stand-alone EMV readers
Enrolling with FreedomPay to act as your Payment Gateway (or moving to FreedomPay to act as your processor and Gateway…DBS can quote these services to you to find the best rate available to you.)
Purchasing and installing new card swipe / pin pad devices. (DBS and FreedomPay currently support the Ingenico iPP350 devices)