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Bluepay Mobile EMV App Documentation

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Bluepay Mobile EMV App Documentation PRODUCT OVERVIEW MOBILE EMV PROCESSING OVERVIEW Version 1.1 BluePay Mobile EMV Processing Overview Version 1.1 Last Updated: 2021-02-26 IMPORTANT NOTICE BluePay Mobile EMV Processing Version 1.1. The information contained in this publication, including all illustrations, is considered to be proprietary and confidential. It is intended solely for the use of BluePay customers, partners, and employees. The contents of this document and the ideas contained herein may not be disclosed, reproduced or transmitted in any form or distributed, in whole or in part, without the prior written consent of BluePay Processing, LLC. The use of this document does not constitute or imply transfer of any intellectual property rights nor does it grant any license to use this information or any BluePay product or service referred to herein for any other purpose than that for which it was intended. All information contained in this document is provided “as is” and may change at any time without notice to the reader. Neither BluePay nor any other third party assumes any responsibility for the accuracy of the information contained herein, including technical errors, typographical errors, or any other inaccuracies. BluePay does not warrant that the information contained herein is accurate or complete. All trademarks included herein are the property of their respective owners. Any use of the trademarks included herein must have the written permission of the respective owner. BluePay, A Company Page 2 BluePay Mobile EMV Processing Overview Version 1.1 Copyright © 2003-2018, BluePay Processing, LLC. All Rights Reserved. TABLE OF CONTENTS WELCOME ...................................................................................................................................... 4 ABOUT THIS GUIDE ..................................................................................................................... 5 INTENDED AUDIENCE .............................................................................................................. 5 FEEDBACK ................................................................................................................................... 5 REVISION HISTORY ................................................................................................................... 5 MOBILE EMV OVERVIEW .......................................................................................................... 6 BENEFITS ..................................................................................................................................... 6 GETTING STARTED ..................................................................................................................... 7 MERCHANT REQUIREMENTS .................................................................................................. 7 TECHNICAL REQUIREMENTS ................................................................................................. 8 INTEGRATION CONSIDERATIONS ......................................................................................... 8 Mobile Applications ....................................................................................................................... 9 Mobile Web Applications ............................................................................................................ 12 Standalone Operation ................................................................................................................... 13 HOW IT WORKS .......................................................................................................................... 14 INSTALLATION & SETUP ........................................................................................................ 14 Downloading the Mobile Application .......................................................................................... 15 Entering the Application Settings ................................................................................................. 15 Device Operation .......................................................................................................................... 20 PROCESSING PAYMENT TRANSACTIONS .......................................................................... 22 Processing an EMV Transaction .................................................................................................. 22 Processing a Swipe Transaction ................................................................................................... 26 Processing an EMV Swipe Fallback Transaction ........................................................................ 30 Processing a Manually-Keyed Transaction .................................................................................. 32 MOBILE PAYMENT PROCESSING API REFERENCE .......................................................... 36 BluePay, A Company Page 3 BluePay Mobile EMV Processing Overview Version 1.1 Request Parameters ...................................................................................................................... 36 Response Parameters .................................................................................................................... 39 EMV RECEIPT REQUIREMENTS ............................................................................................ 43 DATA SECURITY ...................................................................................................................... 44 TROUBLESHOOTING ............................................................................................................... 44 Accessing the About Page ............................................................................................................ 45 APPLICATION & DEVICE UPDATES ..................................................................................... 45 Application Updates ......................................................................................................................... 45 CAPK Updates ................................................................................................................................. 46 Device Firmware Updates ................................................................................................................ 46 WELCOME Congratulations on your selection of the ID Tech VP3300 card reader for your mobile EMV processing with BluePay! You have now joined the nationwide ranks of merchants who have met the EMV processing requirements for lower chargeback liability and reduced PCI-scope on card-present mobile payment transactions. Even better, you can also process eCheck (ACH) transactions from within the mobile application. A robust suite of search and reporting capabilities for your transactions is offered by the awardwinning BluePay Payment Gateway. The ID Tech VP3300 represents the latest innovation in secure mobile payment acceptance. The VP3300 incorporates the latest Bluetooth BLE (Bluetooth Low Energy), triple-tracks magstripe, smart card, and contactless technologies. With this all-in-one mobile reader, it enables the acceptance of encrypted magstripe, EMV smart card, and NFC/contactless payments from a single, easy-to-use mobile interface. Together, the BluePay, A Company Page 4 BluePay Mobile EMV Processing Overview Version 1.1 VP3300 and the BluePay Mobile Processing application can play a primary role in reducing the risk of data compromises and lowering your chargeback liability. ABOUT THIS GUIDE INTENDED AUDIENCE This document is written for BluePay customers, partners, and employees who will be responsible for implementing the Mobile EMV Processing solution for use by BluePay merchants and for the operations personnel responsible for training users on how the Mobile EMV Processing solution works. It includes information necessary for the setup of the Mobile Processing application, the certified EMV/Swipe device, and the procedures used for performing EMV transactions, creating EMV receipts, and keeping the device up-to-date with the latest firmware and EMV configuration files. FEEDBACK Any feedback regarding the contents of this document or the BluePay Mobile EMV Processing solution, should be forwarded to the BluePay Product Management Department using the following email address: [email protected] REVISION HISTORY This following revisions have been made to this document: Version Description Date 1.0 Draft Document Release 07/31/2018 1.0 Initial Document Release 09/13/2018 BluePay, A Company Page 5 BluePay Mobile EMV Processing Overview Version 1.1 1.1 Corrected several typographical errors throughout the document. 09/20/2018 Added a reference to eCheck (ACH) transactions in the Welcome section. Added note regarding how to turn on the VP3300 device. Removed DUPLICATE from result value. MOBILE EMV OVERVIEW EMV stands for “EuroPay, Mastercard and Visa” and is also known as a smart card, chip and PIN, or chip and sign card. EMV-enabled cards include an added security feature, or chip, that is proven to keep card-present transactions secure, and is accepted in over 80 countries worldwide. Effective since October 2015, businesses that do not accept EMV-enabled card transactions are held responsible for any liability resulting from counterfeit or fraudulent payment transactions. EMV transactions involve a secure conversation that takes place between the EMV chip, embedded into the credit card, and the terminal, or device, used to process the transaction. During this secure conversation, the
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