DBS Point of Sale

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EMV

EMV

EMV
EMV

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:

Features

Digital Dining and EMV

Digital Dining EMVDIGITAL 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 POSFUTURE 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 ButtonCATAPULT: 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
Freedom Pay EMV Payment GatewaySTAND-ALONE: You may be processing credit cards through a stand-alone terminal. (not directly through a Point of Sale system). You can still protect yourself and your clients by upgrading your hardware and services to allow for more secure transactions. 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 your establishment 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 transition for your site include:

  • 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)
Your current credit card processor should also be developing direct support for EMV, P2PE and NFC transactions. You may contact them directly for updates on how they plan to support this technology.
...more information
In summary – to help protect your establishment and your clients, you should start planning out your transition to EMV. Although shifting to technology that supports EMV, P2PE and NFC is voluntary, you do not want to be late to this dance. A key factor to consider is commonly referred to as “the liability shift”.  After October 2015, when credit card fraud happens, liability for the costs will fall on the entity using the lesser technology. For example, if you’re still using “swipe and signature” to process your credit card transactions, and your customer has a smartcard, you would be liable for costs associated with any fraud. If you have EMV installed and use that to process that smartcard, the credit card company would still bear the liability.

Another added benefit to properly installing a solid EMV/P2PE solution is relaxed requirements to stay PCI-compliant. Because these solutions are so good at protecting sensitive data, many of the other traditional PCI requirements are out-of-scope. This allows you to sometimes fill out a much simpler yearly SAQ questionnaire to stay compliant.

Protect yourself. Protect your clients. Get in touch with your DBS representative today and discuss options to install this technology in your establishment. You can click on CONTACT US below to reach out to a DBS rep. Please reference that you're interested in EMV technology.

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