MC Debit EMV issues

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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homerow
 
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Joined: Wed Apr 20, 2016 2:46 pm

MC Debit EMV issues

Postby homerow » Wed Apr 20, 2016 2:53 pm

I work for a consulting firm that specializes in credit card acceptance for small-medium businesses. Many of our merchants use countertop terminals, and one of our most popular is the Verifone Vx520. We're running into several EMV issues, but one of the more perplexing issues seems to involve MC debit cards w/ the EMV chips.

My co-worker just got a new MC debit EMV card and used it over lunch today. We tested here at the office on 2 Vx520's, one programmed to a TSYS merchant and the other a First Data Omaha merchant. In both cases we rang up the sale, inserted the card when prompted, then the machines quickly flashed "processing" then prompted us to Remove Card. After removing it said "Transaction Cancelled". I've run into similar issues with a few merchants and the problem always seems to happen with MasterCards whereas Visa, Amex, etc. seem to work just fine (though still some issues here and there). So obviously SOMETHING is different w/ how MC EMV cards work. Does anyone have any ideas on what could be cause these issues.

For the record both of the Vx520's I tested on today were encrypted with the correction encryption key for the given processor. I also have a MC Debit EMV card that authorizes successfully on the TSYS terminal but does a generic Decline on the FD terminal, but at least it tries to run the card. Thanks in advance for any suggestions.


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CreditCardGuru
 
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Joined: Tue Apr 01, 2008 1:48 am
Location: Austin, TX

Re: MC Debit EMV issues

Postby CreditCardGuru » Tue Sep 13, 2016 4:52 pm

Your question is from six months ago so you may not still be on the site but did you ever find out what happened? I had read somewhere that Mastercard has a slightly different chip authentication process so that might have been the issue back in March. Also, I think each payment network has to certify chip reading POS machines and I've heard that there is still a backlog of certification going on. Otherwise I can't imagine what would cause a test transaction to decline like that but hopefully your issue got resolved.

mountaindewvoltage
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Re: MC Debit EMV issues

Postby mountaindewvoltage » Thu Oct 13, 2016 12:03 pm

homerow wrote:I work for a consulting firm that specializes in credit card acceptance for small-medium businesses. Many of our merchants use countertop terminals, and one of our most popular is the Verifone Vx520. We're running into several EMV issues, but one of the more perplexing issues seems to involve MC debit cards w/ the EMV chips.

My co-worker just got a new MC debit EMV card and used it over lunch today. We tested here at the office on 2 Vx520's, one programmed to a TSYS merchant and the other a First Data Omaha merchant. In both cases we rang up the sale, inserted the card when prompted, then the machines quickly flashed "processing" then prompted us to Remove Card. After removing it said "Transaction Cancelled". I've run into similar issues with a few merchants and the problem always seems to happen with MasterCards whereas Visa, Amex, etc. seem to work just fine (though still some issues here and there). So obviously SOMETHING is different w/ how MC EMV cards work. Does anyone have any ideas on what could be cause these issues.

For the record both of the Vx520's I tested on today were encrypted with the correction encryption key for the given processor. I also have a MC Debit EMV card that authorizes successfully on the TSYS terminal but does a generic Decline on the FD terminal, but at least it tries to run the card. Thanks in advance for any suggestions.


Negative, Rite Aid does that and I use my Visa, MasterCard, and Discover EMV cards there.

Rite Aid just has crappy software... You still have to swipe to use a debit card and insert for credit... Very poor implementation of EMV at that store.



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