PRINCETON JUNCTION, N.J.– In order to help ensure that an ATM can process transactions using U.S. Common Debit AIDs, the EMV Migration Forum has released an update to its white paper, “Implementing EMV at the ATM: Requirements and Recommendations for the U.S. ATM Community.”
The paper adds guidance on the use of the U.S. Common Debit AID in various ATM transaction scenarios.
The liability shift deadline for EMV for merchant terminals and card issuers is Oct. 1.
As the U.S. migrates its payments infrastructure to EMV chip cards, facilitating routing of U.S. debit card transactions to multiple payment networks required by the current regulatory industry landscape is an important consideration. The EMV Migration Forum Debit Technical Working Group previously published the U.S. Debit EMV Technical Proposal, which provided a technology framework for processing U.S. debit card transactions based on a U.S. Common Debit AID.
The EMV Migration Forum noted that the typical implementation of a debit card with a U.S. Common Debit AID, at least in the early phases of the U.S. EMV migration, will involve a card with two AIDs: a payment network-specific, globally recognized AID and a U.S. Common Debit AID. More than one payment network has defined a U.S. Common Debit AID for use by the industry. Each of these payment networks supports the processing model outlined in the Forum’s technical proposal.
The updated white paper, focused on ATM implementation, was developed by the Forum’s ATM Working Committee to help ease implementation challenges and aid in complying with EMV requirements, and can be downloaded for free here.
“There are many rules and regulations that have to be met in order for implementations of EMV to function properly both for debit transactions at the point-of-sale and acceptance at the ATM, and these regulations can create complexities,” said Randy Vanderhoof, director of the EMV Migration Forum. “The appendix addresses these complexities, and provides recommendations and guidance for the ATM industry to successfully implement EMV within these complicated environments.”
In the Forum’s suggested approach, the ATM should store a list of all U.S. Common Debit AIDs it accepts. As part of debit payment processing, a choice must be made between the applications on the card that are represented by these AIDs.
The white paper appendix explains how to manage these transactions and:
- Reviews alternative selection options available in the EMV standards
- Recommends a U.S.-specific processing approach consistent with the EMV standards and with support for the U.S. Common Debit AID
- Details implementation considerations and a conceptual approach
- Defines in detail the six most common scenarios that are likely in the U.S.