VSDC And Visa PayWave US Acquirer Implementation Guide V2 Smart Debit Credit Pay Wave U.S. V2.0 Apr 2014
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- About This Guide
- 1 Overview
- 2 VSDC Transaction Flow
- 2.1 Initiating a Transaction
- 2.2 Application Selection
- 2.3 Initiating Application Processing
- 2.4 Reading the Application Data
- 2.5 Risk Management Checks
- 2.6 Terminal Action Analysis
- 2.7 Card Risk Management
- 2.8 Online Processing
- 2.9 VisaNet Processes Acquirer Authorization Request
- 2.10 Issuer Receives Authorization Request
- 2.11 VisaNet Processes the Issuer Response
- 2.12 Transaction Conclusion
- 2.13 Clearing and Settlement
- 3 Visa payWave Transaction Flow
- 4 Visa’s Chip Terminal and Reader Requirements
- 4.1 Terminal Types
- 4.2 Application Identifiers (AIDs)
- 4.3 Language
- 4.4 VSDC Requirements
- 4.4.1 Contact EMV Application Selection
- 4.4.2 Cardholder Application Selection/Confirmation
- 4.4.3 Contact Application Selection and Routing Options
- 4.4.4 Processing Restrictions
- 4.4.5 Cardholder Verification
- 4.4.6 Cardholder Verification and Selectable Kernels
- 4.4.7 Terminal Risk Management
- 4.4.8 Terminal Action Analysis
- 4.4.9 Implementation Activities
- 4.4.10 Online Processing
- 4.4.11 Completion
- 4.4.12 Implementation Activities
- 4.5 Visa payWave Reader Requirements
- 4.6 Additional Requirements for VCPS 2.1
- 5 Additional Terminal Considerations
- 5.1 Magnetic Stripe Transaction Terminal Requirements
- 5.2 Card Data in Online Messages
- 5.3 Support for up to 19 Digit PANs
- 5.4 Terminal Display Messages
- 5.5 PIN Length and Character Set
- 5.6 Cardholder Receipt Requirements
- 5.7 Transaction Routing
- 5.8 Acquirer Stand-In
- 5.9 Deferred Authorization
- 5.10 Transaction Type Requirements
- 5.11 EMV Transactions in Specific Industries
- 5.12 Purchase with Cash-back
- 5.13 Terminal PIN Requirements
- 5.14 Terminal Types and Configurations
- 5.15 Terminal Requirements for CVM
- 6 Terminal Selection and Approval
- 6.1 Terminal and Reader Selection Criteria
- 6.2 VSDC Terminal Approvals
- 6.3 Considerations for EMV Approval
- 6.4 Contactless Reader Approvals and Renewals
- 6.5 Payment Card Industry Requirements
- 6.6 Acquirer Device Validation Toolkit
- 6.7 Contactless Device Evaluation Toolkit
- 6.8 qVSDC Device Module
- 6.9 Additional Toolkit Requirements
- 6.10 Visa Chip Vendor Enabled Service (CVES)
- 6.11 Acquirer Host Testing
- 6.12 Implementation Activities
- 7 Terminal Testing and Maintenance
- 8 Terminal Management Systems
- 9 Acquirer System Changes
- 10 Acquirer Host Testing
- 11 Acquirer Back-Office Changes
- 12 Merchant Support
- 12.1 Merchant Agreement
- 12.2 Merchant Registration
- 12.3 Technology Innovation Program
- 12.4 Contactless Reader Migration
- 12.5 Merchant Services
- 12.6 Merchant Systems Changes
- 12.7 Contactless Reader Branding and Placement
- 12.8 Merchant Training
- 12.8.1 Merchant Training Plan
- 12.8.2 Cardholder Application Selection
- 12.8.3 Cardholder Verification
- 12.8.4 Fallback Transactions
- 12.8.5 Other Transactions
- 12.8.6 Care of the Terminal
- 12.8.7 International Transactions
- 12.8.8 Terminated Visa payWave Transactions
- Appendix A Planning Checklist
- Appendix B V.I.P. System Message Requirements
- Appendix C Reference Materials
- Appendix D Standard EMV Terminal Logic
- Appendix E Special Terminal Logic
- E.1 Contact Terminal Application Selection/Routing Option Logic
- E.2 Processing
- E.3 Flow Example using Visa US Common Debit AID
- E.4 Flow Example using BIN / IIN Logic
- E.5 Flow Example using Consumer Indication
- E.6 Flow Example for Visa US Common Debit
- E.7 Contactless Reader Application Selection and Routing Option Logic
- E.8 Contact CVM Processing and Selectable Kernels Logic