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Visa Smart Debit/Credit (VSDC) Contact & Contactless U.S. Acquirer Implementation Guide

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Visa Smart Debit/Credit (VSDC) Contact & Contactless U.S. Acquirer Implementation Guide VSDC Contact & Contactless U.S. Acquirer Implementation Guide Version 3.0 Effective: June 2020 Visa Public Important Information on Confidentiality and Copyright © 2007-2020 Visa. All Rights Reserved. This document is provided as a complementary guide and tool to be used in conjunction with Visa’s network rules and operating regulations; it is proprietary to Visa. The trademarks, logos, trade names and service marks, whether registered or unregistered (collectively the “Trademarks”) are Trademarks owned by Visa. All other trademarks not attributed to Visa are the property of their respective owners. Note: This document is not part of the Visa Rules. In the event of any conflict between any content in this document, any document referenced herein, any exhibit to this document, or any communications concerning this document, and any content in the Visa Rules, the Visa Rules shall govern and control. THIS GUIDE IS PROVIDED ON AN "AS IS,” “WHERE IS,” BASIS, “WITH ALL FAULTS” KNOWN AND UNKNOWN. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VISA EXPLICITLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE LICENSED WORK AND TITLES, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Contents VSDC Contact & Contactless U.S. Acquirer Implementation Guide Contents Contents ............................................................................................................................................................................ i Tables ................................................................................................................................................................................ v Figures ............................................................................................................................................................................ vi About This Guide ........................................................................................................................................................... 1 Audience ....................................................................................................................................................................................... 1 Document Purpose ................................................................................................................................................................... 1 Scope ............................................................................................................................................................................................. 1 Assumptions ................................................................................................................................................................................ 2 Key Terms ..................................................................................................................................................................................... 2 Device Compliance ................................................................................................................................................................... 3 Document Organization ......................................................................................................................................................... 4 Summary of Material Changes ............................................................................................................................................. 5 1 VSDC Contact and Contactless Transaction Processing Overview .......................................................... 7 1.1 VSDC Contact Transaction Processing Overview ............................................................................................... 7 1.2 VSDC Contactless Transaction Processing Overview ...................................................................................... 11 2 Terminal Requirements ...................................................................................................................................... 13 2.1 General Requirements ................................................................................................................................................ 13 2.1.1 Magnetic-Stripe Reader .................................................................................................................................... 13 2.1.2 19-Digit Account Numbers ............................................................................................................................. 13 2.1.3 Language ................................................................................................................................................................ 14 2.1.4 Application Identifiers (AIDs) .......................................................................................................................... 14 2.2 Contact-Chip Requirements ..................................................................................................................................... 16 2.2.1 Application Selection Methods ...................................................................................................................... 16 2.2.2 Application Selection Processing (Contact) .............................................................................................. 16 2.2.3 Cardholder Verification (Contact) ................................................................................................................. 20 2.2.4 Offline Data Authentication ............................................................................................................................ 21 2.2.5 Terminal Risk Management ............................................................................................................................. 21 2.2.6 Terminal Action Codes (TACs) ........................................................................................................................ 22 2.3 Contactless-Chip Requirements .............................................................................................................................. 22 June 2020 Visa Public i Contents VSDC Contact & Contactless U.S. Acquirer Implementation Guide 2.3.1 Transaction Speed............................................................................................................................................... 22 2.3.2 Application Selection Processing (Contactless) ....................................................................................... 22 2.3.3 Terminal Transaction Qualifiers (TTQ) ......................................................................................................... 23 2.3.4 Reader Contactless Floor Limit ...................................................................................................................... 23 2.3.5 Reader Cardholder Verification Method (CVM) Required Limit ........................................................ 23 2.3.6 Fast Dynamic Data Authentication (fDDA) ................................................................................................ 24 2.3.7 Cardholder Verification (Contactless) .......................................................................................................... 24 3 Terminal Selection and Approval ................................................................................................................... 27 3.1 Terminal Selection ........................................................................................................................................................ 27 3.1.1 Online-Only vs. Offline/Online ....................................................................................................................... 27 3.1.2 Terminal Types ..................................................................................................................................................... 28 3.2 Terminal Approval ........................................................................................................................................................ 29 3.3 Level 3 Testing ............................................................................................................................................................... 29 3.3.1 Visa Chip Vendor Enabled Service (CVES) ................................................................................................. 29 3.3.2 Visa U.S. Chip Acquirer Self-Accreditation Program .............................................................................. 30 3.4 Terminal Checklist ........................................................................................................................................................ 30 4 Terminal Maintenance ....................................................................................................................................... 35 4.1 Terminal Retesting with Level 3 Test Tools ......................................................................................................... 35 4.2 Monitoring and Production Support .................................................................................................................... 36 4.3 Interoperability Problems .......................................................................................................................................... 36 4.3.1 Visa Chip Interoperability Compliance Program ....................................................................................
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