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Transaction Acceptance Device Guide (TADG), Version

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Transaction Acceptance Device Guide (TADG), Version Transaction Acceptance Device Guide (TADG) Version 3.2 Effective: January 2020 Visa Public Important Information on Confidentiality and Copyright © 2003-2020 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 Transaction Acceptance Device Guide (TADG) Contents About This Guide ........................................................................................................................................................... 1 Audience ....................................................................................................................................................................................... 1 Document Purpose ................................................................................................................................................................... 1 Scope ............................................................................................................................................................................................. 2 Key Terms ..................................................................................................................................................................................... 2 Device Compliance ................................................................................................................................................................... 3 Document Organization ......................................................................................................................................................... 4 Summary of Material Changes ............................................................................................................................................. 5 1. Background ............................................................................................................................................................ 7 1.1 Transaction Types ........................................................................................................................................................... 7 1.2 Acceptance Environments ........................................................................................................................................... 7 1.2.1 Attended POS Devices ........................................................................................................................................ 8 1.2.2 Unattended Cardholder Activated Terminals (UCATs) ............................................................................ 8 1.2.3 Automated Teller Machines (ATMs) ............................................................................................................... 8 1.3 Processing Options ........................................................................................................................................................ 9 1.3.1 Dual- or Single-Message Processing ............................................................................................................. 9 1.3.2 Device-Capture vs. Host-Capture Systems ................................................................................................ 10 2. General Acceptance ............................................................................................................................................ 11 2.1 Primary Account Number (PAN) Recognition and Processing .................................................................... 11 2.2 Expiration Date .............................................................................................................................................................. 12 2.3 Account Selection ......................................................................................................................................................... 12 2.4 Multiple Languages ..................................................................................................................................................... 13 2.5 Device Messages ........................................................................................................................................................... 13 2.6 Accessibility Requirements ....................................................................................................................................... 14 2.7 Transaction Receipts .................................................................................................................................................... 14 2.7.1 General Receipt Requirements ....................................................................................................................... 14 2.7.2 ATM Receipt Requirements ............................................................................................................................. 14 2.7.3 UCAT Receipt Requirements ........................................................................................................................... 14 January 2020 Visa Public i Contents Transaction Acceptance Device Guide (TADG) 2.7.4 Consumer Data on Receipts and Displays ................................................................................................. 15 2.7.5 Authorization Code ............................................................................................................................................ 15 2.7.6 Electronic Receipts .............................................................................................................................................. 15 2.7.7 Chip Transaction Receipts ................................................................................................................................ 16 2.8 Cardholder Verification Methods (CVMs) ........................................................................................................... 17 2.8.1 CVMs by Interface Type .................................................................................................................................... 18 2.8.2 CVMs by Device Type ........................................................................................................................................ 19 2.8.3 Signature ................................................................................................................................................................ 20 2.9 Transaction Cancellation ............................................................................................................................................ 21 2.10 Card Data in Online Messages ................................................................................................................................ 21 2.11 Transaction Speed ........................................................................................................................................................ 22 2.12 Radio Frequency (RF) Interference ......................................................................................................................... 22 2.13 Electrostatic Discharge Management ................................................................................................................... 22 2.14 Visa Easy Payment Service (VEPS) .......................................................................................................................... 23 2.14.1 General Requirements ....................................................................................................................................... 23 2.14.2 Contact Transactions ......................................................................................................................................... 24 2.14.3 Contactless Transactions .................................................................................................................................. 24 2.15 Key-Entry Transactions ............................................................................................................................................... 25 2.16 Visa Branding of Payment Terminals .................................................................................................................... 26 2.17 Dynamic Currency Conversion (DCC) ................................................................................................................... 26 3. Magnetic-Stripe Acceptance ..........................................................................................................................
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