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Accepting EMV Chip Cards at the Fuel Pump
September 20, 2017
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Introductions
Cathy Medich, Associate Director, U.S. Payments Forum
Linda Toth, Director of Standards, Conexxus
Brian Russell, EMV Lead Business Analyst, Verifone
Kara Gunderson, POS Manager, CITGO Petroleum
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Agenda
• About U.S. Payments Forum
• About Conexxus
• Overview of the C-Store Industry
• EMV Liability Shift
• Overview of EMV
• Sample Implementation Plan
• Resources
• Q&A
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About the U.S. Payments Forum
U.S. Payments Forum MissionSupporting the introduction and implementation of new and emerging technologies that protect the security of, and enhance opportunities for payment transactions within the U.S.
Petro Working Committee and Communications & Education Working Committee
Providing educational resources and forum for industry stakeholders to resolve challenges associated with EMV implementation in the U.S. petroleum and convenience market
Recent Resources• EMV Frequently Asked Questions for Petroleum Merchants
• Understanding the U.S. EMV Fraud Liability Shifts
• Optimizing Transaction Time at the POS
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• We are independent & non-profit…– Expert volunteers, shaping the industry
• We set standards…– Data exchange, security, payments
• We provide clarity…– Emerging tech/trends; identifying & educating
• We advocate for our industry…– Open standards, innovation & competition
• We improve profitability
Who is Conexxus?
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At the NACS ShowOctober 17-20, 2017
Chicago, ILBooth 4384
• Website: www.conexxus.org• Email: [email protected]• LinkedIn Group: Conexxus Online
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Source: NACSNielsen TDLinx , NACS State of the Industry Survey of 2016 Data & CSX, LLC
U.S. Channel Count Comparison
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Overview of the C-Store Industry
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U.S. Convenience Stores
• 39 million Americans fill up their tank every day
• Americans fuel up four to five times each month
• 160 Million transactions a day2
• More than 150,000 stores• 124,000 sell motor fuels
• Sell an estimated 80% of all gasoline sold• $549.9 B / $316.8 B Sales/Fuel• 72% of Consumers Pay for Fuel at the Pump with “Plastic”Source: 2016 NACS Retail Fuels Report, 2016 NACS SOI Report2Source: http://www.nacsonline.com/Media/Press_Releases/2016
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U.S. Convenience Stores
• Did you Know? - Over 60%, that’s 97K are single-store operators!!
• Another 11K are chains with less than 10 stores
While the following information applies to all merchants, the webinar is focused on the independent operator.
2016 NACS SOI Report
• You have no IT dept.
• You have no EMV “Task Force”
• You have questions…
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EMV Liability Shift
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EMV Liability Shift* Dates for Petro
Oct 12020
OutdoorAFDs
PaymentTerminals
(except AFDs)
Oct 1 2015
*Not a payment network mandate (may be mandated by your oil brand)
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EMV Liability Shift
Liability shifts to the party in the payment chain
with the least secure payment technology
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Who’s Liable? – It Depends!
• Type of Fraud- Counterfeit- Lost & Stolen
• Card Type (Chip, Mag Stripe)• Payment Network• Location (Attended, Unattended)• System (Terminal, POS) Capabilities
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Who’s Liable?
Merchant is protected if ✓ EMV terminal with PIN processing
enabled; AND✓ Site system software with EMV
processing enabled.
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Liability Shift Deferment (*Fine Print)
Several Payment Networks have chargeback threshold limitations relative to the EMV counterfeit liability shift• Check with your payment processor or oil brand for specific information
• Limitations:• Excessive fraud-to-sales ratios; and• Excessive amounts of chargebacks; or• Excessive number of chargebacks
• Effective: October 1, 2017
• Types Affected:• Outdoor EMV Counterfeit Liability Only• Indoor and Outdoor, Lost & Stolen, EMV and Non-EMV
• Effects:• Possible additional fraud management processes• Outdoor counterfeit liability (EMV) chargebacks prior to Oct 1, 2020• Additional penalties/fines imposed on top of the chargeback
• Chargeback Timing:• Immediate or remediation period offered depending upon the total volume
of the chargebacks
3-year extension may only apply to
U.S. issued Cards for some Payment
Networks
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Overview of EMV
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EMV What is it?
• EMV is a global standard for terminals and chip cards and devices (debit, credit, and prepaid payments) using microprocessor (chip) technology
• EMV transactions work as Contactless too - either from a card or a mobile device
• EMV cards contain a “chip” that performs cryptographic functions making counterfeit fraud almost impossible.
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EMV What it is not!
• Very important for a merchant to understand what EMV is not!
• EMV is not a data encryption standard!
– Cardholder data read from an EMV chip is in the clear just like a mag-stripe would be.
– Card data must still be protected. PCI still applies.
- Point–to-Point Encryption, End-to-End Encryption, or tokenization is still recommended for maximum security.
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EMV Terms – Sorting Out the Alphabet Soup!
• AID – Application Identifier. The EMV application defines transaction behavior– U.S. Common AID
– Global AID
• Be Careful! Fallback (stand-in) and Offline have a different meaning in EMV-speak
• Kernel – The software that “talks” to the chip (L2)– L1 refers to the hardware
• Contact/Contactless
• CVM – Cardholder Verification Method. There are four Offline PIN, Online PIN, Signature, NoCVM – Signature is not used outdoors (CDCVM, ODCVM too)
• PIN Bypass – An alternative to debit/credit prompting
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EMV Transactions – Simple View
• Debit
– In the U.S. there will be two or more AIDs. Facilitates routing choice (Durbin)
– The AID menus are largely a thing of the past. Most implementations auto-select the AID
• Pure Credit
– Single AID
– All CVMs are possible (no Signature outdoors)
– Signature and/or NoCVM currently predominates in the U.S.
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EMV Transactions – Choices
• Quick Chip, M/Chip Fast, Faster EMV
– All mean the same thing. Card can be removed prior to the authorization.
– Decrease in transaction times
• EMV Full Flow – Card stays in the reader the entire authorization time.
– Maintains full EMV fraudulent card protection– A “Predetermined Amount” used for Contact or Contactless– The final amount is sent up in the Financial Advice.– Simplified Testing/Certification – In Petro, Faster EMV enables loyalty processing as with MSR.
(post payment option)
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EMV Transactions – Choices Loyalty
• Speaking of Loyalty….What about my loyalty
• Loyalty works pretty much as it always has. Check with your Vendor.
– Still always available pre-payment
– Price per Unit discounting
– Ticket level or post fueling discounts still available.
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EMV Transactions – Fleet and Prompting
– P2P causes problems
– Conexxus with U.S. Payments Forum participation creating standard. Vendors, Brands, Fleet providers, and Acquirers
• Currently mixed bag with Fleet
– There are specs that account for EMV
– Today, Vendors can support the Prompting and Product restrictions via the track equivalent data
• EMV Fleet standards are currently under development
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EMV Transactions – It’s Different Outdoors
• Two Part transactions (auth/advice)• The card DOES NOT have to stay in the reader all the way
through fueling, only for the authorization.• Card readers may or may not “clamp” cards.
• The U.S. auths for max amounts.
• No signature CVM.
• Several kernel options can complicate certifications for vendors.
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Outdoor EMV – What’s it Look Like?
What happens when card is removed too soon?
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Outdoor EMV – What’s it Look Like?
When it all comes together…
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Sample Implementation Plan
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Benefits to upgrading early
• Receive next generation hardware & software– Upgraded Communications
– Contactless
– Secure Dispenser Access
• Better availability– Equipment
– Technicians
• Image Refresh
• Consumer perception
• Don’t be the “last man standing”
• Avoid excessive chargebacks
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Planning Outdoor EMV Timeline
Determine Availability
of POS Software Outdoor
EMV
Assess Fuel
Dispenser Age &
Operability
Order Upgraded
Fuel Dispensers
SiteSurvey
Install Upgraded
Fuel Dispensers& Upgrade
POS software
AUTOMATED FUEL DISPENSER (“AFD”) UPGRADES
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Projecting Outdoor EMV Timeline
Determine Availability
of POS Software Outdoor
EMV
Obtain availability date for Point of Sale Software for Outdoor EMV acceptance
AUTOMATED FUEL DISPENSER (“AFD”) UPGRADES
Consult with your Vendors (POS, Processor) or Oil Brand
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Projecting Outdoor EMV Timeline
Assess Fuel
Dispenser Age &
Operability
10+ Years Replace
0-9 Years Replace or Retrofit Kit?
Assess Operability
Upgrade Options✓ Replace✓ Retrofit Kit✓ New PIN Pads
AUTOMATED FUEL DISPENSER (“AFD”) UPGRADES
Consult with AFD Distributor or Manufacturer
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Projecting Outdoor EMV Timeline
SiteSurvey
✓ EMV = more data & requires more bandwidth
✓ Assess the need to upgrade Communication lines
✓ Add extra time if rewiring and/or breaking concrete
Build in extra time to break concrete and remediate
soil contamination
AUTOMATED FUEL DISPENSER (“AFD”) UPGRADES
NOTE: If re-plumbing wiring, separate Communication & Payments from Electrical Lines by using two separate conduits
Survey the site with the AFD Distributor
or Manufacturer
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Planning Outdoor EMV Timeline
Order Upgraded
Fuel Dispensers
AUTOMATED FUEL DISPENSER (“AFD”) UPGRADES
Consider AFD Options:
✓ Video Monitors
✓ 2D Scanners
✓ Tamper Alarms
✓ Near Field Communications (“NFC”)
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Planning Outdoor EMV Timeline
Install Upgraded
Fuel Dispensers & Upgrade
POS software
AUTOMATED FUEL DISPENSER (“AFD”) UPGRADES
✓ Allow 4-8 weeks from order to delivery*
✓ Allow 2-4 weeks for scheduling certified technicians*
✓ Allow 1-2 weeks installation if new AFD’s
– OR-
✓ Allow 1-4 days installation if retrofit kits or PIN Pads
Consult with AFD Distributor or Manufacturer
*Times will vary by manufacturer/distributorDemand for equipment & technicians may increase exponentially as we approach 2020
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Planning Outdoor EMV Timeline - Beta
AUTOMATED FUEL DISPENSER (“AFD”) UPGRADES
Determine Availability
of POS Software Outdoor
EMV
Now!!!
Assess Fuel
Dispenser Age &
Operability
Oct 2017
SiteSurvey
Oct 2017
Order Upgraded
Fuel Dispensers
Jan 2018
Install Upgraded
Fuel Dispensers& Upgrade
POS software
Apr 2018
These are example dates, actual timelines will vary depending upon the individual site’s needs
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Planning Outdoor EMV Timeline – Roll-Out
Roll-out timeline based on 10 store chain – 1 store per 2 weeks
4-8 weeks
BetaTesting
Apr 2018
4-16+ weeks
POS Software
Fixes
Jun 2018
1 store every 2 weeks
Roll-out Starts
Oct 2018
Rollout Complete
Apr 2019
➢ Holidays were avoided (Thanksgiving – New Year’s) due to high fuel volume season
➢ Account for winter weather
These are example dates, actual timelines will vary depending upon the individual site’s needs
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Resources
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Resources
• U.S. Payments Forum– Petroleum Working Committee
• Conexxus– Data Security Standards Committee– Retail Financial Transactions Committee
• Each Payment Network’s Website
Website Resources– www.uspaymentsforum.org– www.emv-connection.com– www.emvco.com– www.conexxus.org– www.nacsonline.com
new Petroleum FAQshttp://www.uspaymentsforum.org/petroleum-industry-emv-faq/
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Q&A
www.conexxus.org
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Cathy Medich, U.S. Payments Forum, [email protected]
Linda Toth, Conexxus, [email protected]
Brian Russell, Verifone, [email protected]
Kara Gunderson, CITGO Petroleum Corporation, [email protected]
www.conexxus.org