Articles tagged: emv transaction

Do I need to collect signatures for all EMV transactions?

No. Many of the major US card brands no longer require customers to sign an electronic receipt when they use an EMV card to purchase goods or services. If you accept EMV cards, you can process most transactions without a signature.… Read More “Do I need to collect signatures for all EMV transactions?”

What does “Declined: Cryptogram type ‘ARQC’ received in Complete message. 2nd decision was not made. (12)” mean?

Meaning

With an EMV card, both the card issuer and the chip on the card must approve or decline the transaction. The chip must approve the transaction first, then it sends the transaction to the issuer for approval. If the issuer approves the transaction they send it back to the chip for the final decision.… Read More “What does “Declined: Cryptogram type ‘ARQC’ received in Complete message. 2nd decision was not made. (12)” mean?”

What does “Declined: Cryptogram type ‘AAC’ received in Complete message. 2nd decision from chip was a decline. (12)” mean?

Meaning

With an EMV card, both the card issuer and the chip on the card must approve or decline the transaction. The chip must approve the transaction first, then sends the transaction to the issuer for approval. If the issuer approves the transaction they send it back to the chip for the final decision.… Read More “What does “Declined: Cryptogram type ‘AAC’ received in Complete message. 2nd decision from chip was a decline. (12)” mean?”

How can I tell if a transaction was EMV or regular credit/debit in my Payments Portal reports?

The Entry Mode field in the Transaction Details indicates whether a transaction was EMV or regular credit/debit. The Payments Portal displays one of the following Entry Modes depending on the card the customer presents, and how they use it:

EMV Contact: EMV transaction – the customer dipped their card and provides their signature
Proximity: EMV transaction – the customer used a contactless EMV card
Swiped: Regular credit/debit transaction – the customer swiped their card
Manual: Regular credit/debit transaction – the customer typed their card information using the keypad

The Entry Mode field is located in the Card Information section.… Read More “How can I tell if a transaction was EMV or regular credit/debit in my Payments Portal reports?”

I want to stop collecting signatures for EMV transactions, what do I need to do?

To stop collecting signatures for EMV transactions, contact our Customer Support Team.

Note:

You must continue to support signature as a Cardholder Verification Method (CVM).
You still need to collect signatures for transactions that legally require them. Check with your local licensing authority to find out when customers need to sign a receipt.