Transaction Acceptance Device Guide (TADG) Version 3.1 November 2016 Visa Public Important Information © 2003-2016 Visa. All Rights Reserved. This document is provided as a supplemental guide and tool to be used in conjunction with Visa’s network rules and operating regulations; it is proprietary to Visa. 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 TRANSACTION ACCEPTANCE DEVICE GUIDE OVERVIEW 1 Audience .......................................................................................................................................................................................................... 1 Scope ................................................................................................................................................................................................................. 1 Compliance Documents and Devices ................................................................................................................................................... 2 Best Practice Reference Materials .......................................................................................................................................................... 3 Terminology ................................................................................................................................................................................................... 4 Summary of Changes Since Version 3.0 .............................................................................................................................................. 5 1. TRANSACTION ACCEPTANCE ENVIRONMENTS 7 1.1 Attended POS Devices ................................................................................................................................................................... 7 1.1.1 Integrated POS Systems ............................................................................................................................................... 7 1.1.2 Standalone POS Devices .............................................................................................................................................. 8 1.1.3 Multi-lane POS Devices ................................................................................................................................................ 8 1.1.4 Shared Display and Separate Display Devices ..................................................................................................... 8 1.2 Unattended Cardholder Activated Terminals ....................................................................................................................... 9 1.3 Automated Teller Machines......................................................................................................................................................... 9 1.4 Self-Service Card Dispensing Kiosks ...................................................................................................................................... 10 1.5 Card Readers ................................................................................................................................................................................... 11 1.5.1 Contactless Readers ..................................................................................................................................................... 11 1.6 Mobile Payment Acceptance Solutions ................................................................................................................................ 11 1.7 Processing Options and Host or Device Capture .............................................................................................................. 12 1.8 Deferred Authorization ................................................................................................................................................................ 13 1.9 Acquirer Stand-In ........................................................................................................................................................................... 13 1.10 Partial Authorization ..................................................................................................................................................................... 14 2. GENERAL ACCEPTANCE 15 2.1 Primary Account Number Recognition and Processing ................................................................................................. 15 2.2 Expiration Date ............................................................................................................................................................................... 15 2.3 Account Selection .......................................................................................................................................................................... 16 2.4 Multiple Languages ...................................................................................................................................................................... 16 2.5 Device Messages ............................................................................................................................................................................ 16 2.6 Accessibility Requirements ........................................................................................................................................................ 19 2.7 Transaction Receipts ..................................................................................................................................................................... 19 2.8 Electronic Receipts ........................................................................................................................................................................ 20 2.9 Consumer Data on Receipts and Displays ........................................................................................................................... 21 2.10 Transaction Cancellation ............................................................................................................................................................. 21 2.11 Card Data in Online Message ................................................................................................................................................... 21 2.12 Cash Back Identification and Processing .............................................................................................................................. 22 November 2016 Visa Public i Contents Transaction Acceptance Device Guide (TADG) 2.13 Transaction Speed ......................................................................................................................................................................... 23 2.14 Unattended Cardholder Activated Transactions ............................................................................................................... 23 2.15 Automated Teller Machines....................................................................................................................................................... 24 2.16 Dynamic Currency Conversion ................................................................................................................................................. 24 2.17 Visa Easy Payment Service (VEPS) ........................................................................................................................................... 25 2.18 Radio Frequency (RF) Interference .......................................................................................................................................... 25 2.19 Management of Electrostatic Discharge .............................................................................................................................. 26 2.20 Visa Branding of Payment Terminals ..................................................................................................................................... 26 2.21 Cardholder Present PAN Key Entry Transactions .............................................................................................................. 27 3. CONTACT CHIP ACCEPTANCE 29 3.1 Contact Chip Card Processing .................................................................................................................................................. 29 3.2 Card Insertion .................................................................................................................................................................................. 30 3.2.1 Chip Read ......................................................................................................................................................................... 30 3.2.2 Fallback Acceptance for Chip Read Failures ....................................................................................................... 32 3.2.3 Merchant Override of Chip Read ............................................................................................................................ 33 3.2.4 Support for 19-Digit