What versions of RMS is compatible with EMV chips cards

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Do you know if RMS v2.0.0127 is compatible with EMV chips cards? I would like to know what we need to do to be compliant. Will we need to upgrade to the latest version of RMS?

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RE: What versions of RMS is compatible with EMV chips cards

EMV chips are just now coming to consumers. RMS does not support any EMV chip cards yet.

The deadline to support EMV is October 2015. For ATM machines it is October 2017.

So we have some time left.

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RE: What versions of RMS is compatible with EMV chips cards

Thanks. I guess we'll just have to wait for the RMS release that supports EMV chips.

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Charles Braganza 210 on at

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RE: What versions of RMS is compatible with EMV chips cards

Any updates on RMS supporting EMV ?

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RE: What versions of RMS is compatible with EMV chips cards

I've got two RMS clients who are asking this same question. They are both pretty current versions of RMS (one was just installed with RMS CU5).

That October deadline is only about 9 months away, and we would need time to test this out on our own in-house test system before we would even be able to schedule an upgrade for any of our clients.

If anyone has any information from Microsoft regarding this, it would be greatly appreciated.

Bill Yater

Blue Horseshoe Solutions, Inc

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Althea ADS 10 on at

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RE: What versions of RMS is compatible with EMV chips cards

I have many customers now asking about what chip reader hardware is compatible with RMS. Does anyone know where the answers are to this or have a date when RMS will be compatible?

Thanks!

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RE: What versions of RMS is compatible with EMV chips cards

Shift4 and Paypros and Bridgepay are the only guys for now that have EMV support for RMS. I am sure more addons for processors will be out shortly.

Hardware depends on the processing platform and backend

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RE: What versions of RMS is compatible with EMV chips cards

The only three I know of are the MX 860 VeriFone and the ISC 250 and ISC 350 from InGenico. Ed is correct however, it does require a third party software and backend support. It is not inherently built into RMS as it is requirement for the banking industry not Microsoft. RMS 2.0.2000 is minimally required before the October deadline as CU5 2.0.2000 meets the new PCI compliancy standard requirements as do the older versions.

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3Dmerchant 295 on at

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RE: What versions of RMS is compatible with EMV chips cards

This answer should help clarify your question as well as many of the comments.

EMV LIABILITY IMPACT

Beginning October 1 2015, either the card issuer or merchant that is the cause of a contact chip transaction not occurring will be financially liable for any resulting card present counterfeit fraud losses. Lost and stolen card use is not applicable.

- If magnetic stripe card is used and it's counterfeit, merchant is generally not liable, same as today.

- If it's a chip card that's used on a mag only terminal, the merchant is liable.

- If it's a chip card that's used on a "chip-activated" EMV terminal, the issuer is liable.

There's other benefits being offered by different card brands to encourage updating to EMV, that are not specific to EMV transactions.

EMV CAPABLE VS EMV CERTIFIED

EMW ready terminals have been shipping for quite a while, essentially enabling merchants to update terminals while EMV specifications were still being worked out. An EMV capable terminal has the hardware to accept chip cards, but has not been activated, which may need a software update, and always must be turned on by the processor.

WHAT'S NEEDED TO PROCESS EMV WITH RMS

- A payment gateway certified for EMV

- Each gateway must certify each terminal model to each processor for it's platform.

The only independent gateway in the US, as of April 27, 2015, certified for EMV is CenPOS, specifically for the Verifone MX915 on First Data; additional terminals and processors are pending certification. Shift4, Paypros and Bridgepay, like other gateways, are 'preparing for', but have not certified any terminals to their gateways yet. So, RMS users can get 'capable' today, but not 'activated'.

Until an RMS gateway meets the criteria above, it's unknown if your version will work. If there's developer interest in integrating CenPOS, see bottom of this post.

COMPATIBLE RMS HARDWARE

Due to the current gateway certification process, initially, hardware choices will be limited. Ingenico iSC 250 and Verifone MX 915 are safe bets with most gateways (CenPOS & Shift4 has indicated they'll support both) but merchants should verify what their gateway road map is. TIP: Even though the ISC350 is nearly the same as the 250, but with a larger screen, it still requires separate certification. For this reason, gateways may only certify the more popular (lower cost) isc250.

DO YOU NEED EMV?

It depends. EMV is not a compliance issue and it's not mandated. It's possible that processors may choose to mandate it for their customers in the future, but that's not the case today.

COMPLIANCE

Do I need to upgrade to the latest RMS? There's a strong chance you need the latest version to meet PCI Compliance requirements; read the rules for your SAQ. Merchants must use current Windows software (XP is not compliant). Whether you need to upgrade for EMV is a function of gateway compatibility.

WHICH GATEWAY?

EMV is to retail as 3-D Secure is to Card Not Present, where fraud is expected to leap as EMV is implemented. If you have a mix of transactions, choose a gateway with both certifications.

For RMS and other integrations or CenPOS sales, send me a PM or call Christine Speedy at 954-942-0483.

https://www.linkedin.com/in/cspeedy

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RE: What versions of RMS is compatible with EMV chips cards

Do both CenPOS and Shift 4 allow RMS to swipe the CC/Chip internally (and process the card completely in RMS) or is all the processing completed only on the Ingenico or Verifone (i.e. is additional keying in required on the external device) and the cashier does not process the transaction until the card is approved.

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RE: What versions of RMS is compatible with EMV chips cards

To the best of my knowledge the transaction is recorded just as it has always been within RMS. The "actual communication/approval process" is done outside of RMS through the network gateway. The only exception would be if you used a terminal and something other than the RMS internal EDC configuration. Because the third party software process is where manual entry may become an additional requirement in order for it to work. As long as you utilize the build in EDC you shouldn't necessarily be required to do anything any differently than you presently are. The devices are also the same except the encryption is more secure and the device needs the physical and software ability to interpret it's a chip card.

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