EMV Implementation Tips
As more and more industries enter the EMV realm, there are both joys and challenges of having the EMV option. Customers and business owners can enjoy the security of EMV chip-cards to reduce fraud by protecting against loss from counterfeit stolen cards. Customers and business owners must also adapt to this new way to pay. When EMV is available to your business, know your device and teach your staff about it so they can help customers through the steps of an EMV transaction.
Cards with a mag-stripe and an EMV-chip will exist simultaneously until all merchants have EMV-capable devices and until all banks replace all existing mag-stripe cards issued to their customers with an EMV chip. Some devices have the EMV terminal slot, but it doesn’t function.
TIP: If you have a non-functioning terminal, make a sign or insert a placeholder to let customers know if EMV is not available. Some examples of sayings are, “Please swipe card,” “Swipe card here – Chip card functionality coming soon,” or “Please swipe; Do not insert card.”
Because the cards in use today have both a chip and a stripe, people may swipe their card first out of habit. If EMV is enabled on the device, it will reject the swipe and tell the user to insert their card instead. Once a person inserts their card (also called “dipping”) with the chip-end first, facing up, they need to wait to remove it until prompted to do so. While the card is inserted into the terminal, the chip