MasterCard. Terminal Implementation Requirements. PayPass

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1 MasterCard Terminal Implementation Requirements PayPass

2 TABLE OF CONTENTS 1 PURPOSE OF THESE REQUIREMENTS Scope of These Requirements Useful information and Getting Help Effect of These Requirements Guidance on Terminology TERMINAL REQUIREMENTS License and Specifications Terminal Configurations Implementing the PayPass Specifications PayPass RF Protocol and Interface (level 1) PayPass Application Specifications (level 2) Transaction Processing Speed PayPass Transaction Data Editing Data Validation Application Version Number PayPass Reader to POS Terminal Interface Requirements Payment Processing Identification of PayPass Transactions and Terminal Capabilities PayPass Payment Processing Requirements Cardholder Name Field Terminal or POS Generated Transaction Reports Refunds and Reversals Terminal User Interface Scope and Definitions User Interface Hardware PayPass Landing Zone Identifier and Operating Volume PayPass Reader Status and Read Indication Considerations for these requirements Visual Indication Audio Indication Design Considerations Physical and Environmental Requirements PAYPASS CERTIFICATION AND TESTING PayPass Terminal Testing A Appendix A - Recommended User Interface B Appendix B - Alternative User Interface C Appendix C, Global Operations Bulletin No. 6, 1 June D Appendix D, Glossary E Appendix E, Consumer Interface Methods...54 F Appendix F, Terminal Requirements Summary MASTERCARD WORLDWIDE PAGE 2

3 1 PURPOSE OF THESE REQUIREMENTS The purpose of this document is to help terminal developers and their customers to implement PayPass terminal devices that will ensure a quality consumer experience when using MasterCard PayPass products. PayPass enables consumers to tap their PayPass card or device on PayPass-enabled terminals allowing for a quicker and more convenient payment experience. These requirements will: Help terminal vendors to understand PayPass and implement terminals that provide PayPass acceptance. Provide guidance on integrating PayPass functionality into retail systems using type approved components. Outline the requirements for PayPass and the implementation of different risk management profiles depending on the capabilities of the intended payment networks where implementation is required (Magnetic Stripe only or EMV Chip capable) 1.1 Scope of These Requirements The requirements outlined in this document will apply to all terminals that accept MasterCard PayPass products. This will include all the requirements for implementing PayPass within a magnetic stripe card payment environment and an overview of the requirements for implementing PayPass within an EMV contact chip payment environment. Full details of any additional requirements for the implementation of PayPass for use with MasterCard contact chip applications or for implementation in environments that require EMV risk management functions are detailed in a separate set of documents. Refer to the web site for details. This document describes the incremental changes required to enable merchants card acceptance terminal to accept PayPass transactions. Full detail of the requirements for the testing and approval of PayPass terminal products is contained in additional documentation contained on the website. MASTERCARD WORLDWIDE PAGE 3

4 1.2 Useful information and Getting Help All publicly available documents are held and maintained on the web site. Please check this site for the latest updated documents. Restricted documents that require a PayPass license agreement to be signed are also listed on the web site. Restricted documents contain MasterCard confidential information related to the development, implementation or use of PayPass products. Access to all restricted document is granted when the PayPass license agreement process has been completed successfully. MasterCard has set up a series of addresses to help with the various services and support roles provided for PayPass: - General for help on PayPass - Enquiries about obtaining a PayPass License - Any technical or business issues related to the MasterCard PayPass specifications - general support to vendors of PayPass products on the processes and requirements for product design, development, testing and approval - address for all issues and processes relating to the testing and certification of PayPass component and products - address for the processing of a request for final PayPass vendor product approval. 1.3 Effect of These Requirements These requirements are intended to provide general guidance to help terminal manufacturers develop equipment to accept PayPass transactions. The responsibility for the content and execution of any implementation for such developments will remain with the terminal manufacturer. To the extent permitted by law, neither MasterCard Worldwide nor any of its affiliates, employees, or offices shall be liable to any recipient of these requirements, or any other third party for any loss, damages (including direct, special, punitive, exemplary, incidental or consequential damages), or costs (including attorneys fees) which arise out of, or are related to these requirements. The foregoing limitation of liability shall apply to any claim or cause of action under law or equity whatsoever, including contract, warranty, strict liability, or negligence, even if MasterCard has been notified of the possibility of such damages or claim. Where these requirements refer to the availability of services and/or documentation from MasterCard, the terms on which such services or documentation are made available shall be specified by MasterCard as and when such services or documentation are requested. MASTERCARD WORLDWIDE PAGE 4

5 1 PURPOSE OF THESE REQUIREMENTS 1.4 Guidance on Terminology Due to the legacy of the plastic card industry and the fact that the first PayPass-compliant form factor is card based, the term card is used frequently throughout. However, the contactless nature of PayPass permits non-card form factors. These are referred to as PayPass devices. The functionality of both PayPass cards and devices is driven by the chip inside and is independent of the form factor in which the chip resides. In the majority of cases, the form factor makes no difference to the functionality of a PayPass-compliant terminal, and therefore the default reference for the consumer token in this document is either PayPass card or PayPass card or device. Where there are specific requirements or considerations resulting from the form factor, mainly in the context of consumer-to-terminal usability, then this will be clear from the use of the reference device. All other terms are detailed in Appendix D, Glossary. MASTERCARD WORLDWIDE PAGE 5

6 2 TERMINAL REQUIREMENTS 2.1 License and Specifications The following PayPass specifications are available to companies who have entered into a PayPass license agreement with MasterCard. PayPass M/Chip Technical Specification PayPass Mag Stripe Technical Specification MasterCard PayPass Branding Guidelines These are the defining documents to be used for developing MasterCard PayPass compliant terminals. NOTE To become a PayPass licensee and obtain the latest specifications, please send an to detailing your company name and contact information The license agreement requires the licensee to submit PayPass-enabled terminals to MasterCard Worldwide s testing and type approval process to determine compliance with these requirements and the above specifications. Section 3 concentrates on providing guidance on testing and certification processes for PayPass terminals. PayPass ISO14443 Implementation Specification The underlying contactless protocol specification previously know as the PayPass ISO Implementation Specification is now controlled by EMVCo as the EMV Contactless Communications Protocol Specification and is available from MASTERCARD WORLDWIDE PAGE 6

7 2.2 Terminal Configurations PayPass acceptance functionality may be included within, or added to, existing POS systems in a number of ways. For the purpose of these requirements, a functional block diagram of a PayPass acceptance terminal system is shown in Figure 1 below. Contact Chip Interface (Level1) MChip Application Logic (Level2) PayPass RF and Protocol Interface (Level1) PayPass Application Logic (Level2) Payment Processing Engine Acquirer Comms Mag Stripe Interface NOTE Figure 1 - Example Block Diagram of a PayPass Acceptance Terminal System Connecting a PayPass reader to an existing magnetic stripe interface using any form of dynamic magnetic stripe or magnetic induction coupling to the existing magnetic stripe reader is not permitted by MasterCard. MASTERCARD WORLDWIDE PAGE 7

8 2. TERMINAL REQUIREMENTS PayPass acceptance devices are categorized by MasterCard in three ways; Description Configuration a. Fully Integrated Terminal PayPass Coupling Device (PCD) is fully embedded within the terminal covering all PayPass requirements and specifications. Terminal PCD PayPass Level 1 PayPass Level 2 b. Terminal and Intelligent Contactless Card Reader PCD is embedded in a standalone card reader connected to the terminal with the card reader covering all PayPass terminal requirements and specifications. Terminal Card Reader PCD PayPass Level 1 PayPass Level 2 c. Terminal and Transparent Contactless Card Reader PCD is embedded in a standalone card reader connected to the terminal with the card reader covering the EMVCo Contactless specification and the Terminal covering the PayPass M/Chip or Mag Stripe technical specification. The operational requirements of this document will be considered for the complete terminal/reader combination. Terminal PayPass Level 2 Card Reader PCD PayPass Level 1 MASTERCARD WORLDWIDE PAGE 8

9 This section details specific requirements for designing PayPass-enabled POS terminals. These requirements must be fulfilled by the POS terminal and, where appropriate, other components of the POS system. A summary list of these requirements is provided for reference in Appendix F. 2.3 Implementing the PayPass Specifications PayPass RF Protocol and Interface (level 1) When developed, terminals are required to comply with the latest version of the EMVCo Contactless Communications Protocol Specification 1 available from EMVCo (www.emvco.com). This specification supersedes any requirements defined in any international standards. REQUIREMENT 1 All newly developed PayPass terminals must comply with the latest version of the EMVCo Contactless Communications Protocol Specification Type A and Type B Interoperability MasterCard allows PayPass cards and devices to be either Type A or Type B compliant as defined in the communications protocol specification. A PayPass terminal must support both. REQUIREMENT 2 All PayPass terminals must support both Type A and Type B protocols as defined in the EMVCo Contactless Communications Protocol Specification PayPass Application Specifications (level 2) MasterCard supports two PayPass Application specifications, PayPass - Mag Stripe, designed for use principally in environment where the existing infrastructure is based on magnetic stripe technology, and PayPass - M/Chip, where an EMV based MasterCard M/Chip infrastructure has been implemented. Interoperability between these different specifications is achieved as follows; The PayPass M/Chip specification includes support for PayPass Mag Stripe therefore any PayPass M/Chip cardholder device will operate as PayPass Mag Stripe when presented to a PayPass Mag Stripe terminals and all PayPass MChip terminals initiate a PayPass Mag Stripe process when presented with a PayPass Mag Stripe cardholder device. REQUIREMENT 3 All MasterCard PayPass terminals must comply with the latest version of either the MasterCard PayPass Mag Stripe Application Specification or the PayPass M/Chip Application Specification. 1 This specification was previously known as the PayPass ISO/IEC Implementation Specification MASTERCARD WORLDWIDE PAGE 9

10 2. TERMINAL REQUIREMENTS Transaction Processing Speed To ensure an acceptable cardholder experience the interaction between the PayPass cardholder device and the PayPass terminal must complete in as short a time as possible. MasterCard will test terminal and card interoperability to ensure the time required from the PayPass card or device being presented to the reader to completing the Card / Terminal interaction is achieved within 250ms for a PayPass Mag Stripe transaction and 500ms for a PayPass M/Chip transaction. REQUIREMENT 4 All MasterCard PayPass terminals must complete the PayPass card/device-to-terminal communication in less then 250ms for a PayPass Mag Stripe transaction and 500ms for a PayPass M/Chip transaction PayPass Transaction Data Editing PayPass data received from the card or device is used by the card issuer during any online authorization to validate that the card is genuine, therefore, unless specified by the PayPass Mag Stripe or PayPass M/Chip specifications, all PayPass data retrieved from the PayPass cardholder device must be presented to the payment processing engine without modification. Unspecified modification of data may result in the transaction being declined during online authorization. REQUIREMENT 5 All PayPass transaction data received from the card or device with the exception of any processing requirements specified in the relevant application specification must be presented to the payment processing engine without modification Data Validation The introduction of PayPass does not require any additional data validation to be performed unless specifically stated in the PayPass Application Specifications. Service code validation for the detection of Integrated circuit technology (2 or 6 in 1 st digit) must not be performed on track 1 or track 2 data returned from a PayPass chip. This implies that terminal payments processing engines must be aware of the source of the track data being either a magnetic stripe or a PayPass chip. MASTERCARD WORLDWIDE PAGE 10

11 2.3.6 Application Version Number Any hardware and software elements or components used to create a PayPass-enabled terminal must be individually identifiable to reduce the need to retest already approved PayPass product components. In addition, the application logic component must also maintain the version number of the PayPass application Technical Specification with which it is compliant. This is used during interaction with the PayPass card. REQUIREMENT 6 The PayPass application logic component must maintain the version number of the PayPass Technical Specification with which it is compliant PayPass Reader to POS Terminal Interface Requirements The POS system terminal developer is free to select the most appropriate interface type and protocol to be used between the PayPass reader and any existing POS terminal. Other than transferring the data correctly and being able to identify the entry method as contactless, no further requirements are currently defined for this interface. MasterCard has no globally specified requirements for how the PayPass contactless reader on a terminal is controlled; while observing the requirement set out below, the reader may be active at all times or may be switched on following processing decisions made by the controlling terminal or processing engine. It is recommended that the flexibility of this control is considered by terminal manufacturers during the development as different deployment environments may have different requirements. If the PayPass reader is always active it is possible that the consumer will tap their PayPass card or device on a terminal at any stage in a transaction process, as the card is not under the direct control of the POS operator. Such occurrences should be anticipated and have no adverse effect on the processing of the transaction. If required, the PayPass acceptance process should allow for tapping at any time, however, the POS system must not buffer or store card details when a PayPass card is presented in advance of a new transaction starting. This is to ensure that details from a previous transaction are not mistakenly used. REQUIREMENT 7 POS systems must not buffer or store card data. PayPass card data shall only be accepted after the payment part of the transaction process has commenced. The requirement of indicating to the cardholder and merchant when the PayPass reader is active is outlined in section 2.5 below. MASTERCARD WORLDWIDE PAGE 11

12 2. TERMINAL REQUIREMENTS 2.4 Payment Processing This section describes the payment processing requirements specific to processing payment transactions initiated using PayPass technology. The normative requirements and low-level detail of implementing this functionality are detailed within the following: MasterCard Scheme Rules. Acquirer-specific host interface requirements. PayPass Application Specifications. Processing payment transactions that have been obtained using the PayPass interface are fundamentally the same as processing the payment details obtained by swiping the magnetic stripe or processing via a contact EMV interface, with the underlying scheme and payment product rules defining the process and requirements. However, there are some significant variations that the POS terminal must cater to and this section describes these. NOTE Most of the requirements defined below will already exist for Contact Chip (EMV) implementations but are likely to be new for existing magnetic stripe only implementations Identification of PayPass Transactions and Terminal Capabilities The acquirer of the transaction is required to provide MasterCard and subsequently issuers of PayPass cards and devices with confirmation that: The payment was transacted using the PayPass interface. The terminal was capable of conducting the transaction using the PayPass interface. The process by which the acquirer communicates this data through MasterCard s networks and systems to the issuer is defined, details are contained in Appendix C of this document; however, the process by which this information is transferred from merchant to acquirer is not. Terminal vendors should therefore provide functionality in the terminal that identifies both the payment read process (swipe of a magnetic stripe, contact chip read, or contactless chip read) and the terminal s capabilities to have performed these different read processes. This information should be provided to the acquirer with each transaction, in a manner and format agreed upon with the acquirer. REQUIREMENT 8 POS terminals must be capable of providing information to connected systems on the method used for reading the card or device data (magnetic swipe, contact chip read, contactless chip read, etc.) for each payment transaction and on the terminal s capabilities to perform the different reading methods. MASTERCARD WORLDWIDE PAGE 12

13 2.4.2 PayPass Payment Processing Requirements While the specific configuration of POS terminal systems supporting PayPass is left open to accommodate differing merchant requirements, it is important to ensure that the complete system facilitates a fast payment process for PayPass transactions. This is a key component supporting the merchant s business case and the The Simpler Way to Pay proposition that PayPass delivers. REQUIREMENT 9 Double entry of purchase information for PayPass transactions is not permitted. PayPass terminals or readers shall therefore be linked to any existing systems that already hold the purchase amount, or also require the purchase amount to be entered. Figure 2 provides a walk-through of the typical PayPass-enabled payment process. It should be remembered that this may vary depending on the particular requirements of the purchase transaction, the payment product on the PayPass card and the program rules for the particular merchant environment. The following examples illustrate this point: When a MasterCard PayPass card or device is used by a consumer to complete a payment transaction for a purchase at or below the equivalent of US $25, the POS terminal may proceed and complete the transaction without any further cardholder or merchant interaction, including the entry of a PIN. For Quick Payment Service (QPS) registered merchants who accept PayPass, the QPS program supersedes the PayPass rules. For more information on QPS, please refer to the QPS Manual available from the MasterCard Online Service. MASTERCARD WORLDWIDE PAGE 13

14 2. TERMINAL REQUIREMENTS PayPass Payment Processing Engine The PayPass reader functional module passes the data from the PayPass card to the payment processing engine. Checks the CVM list provided by the PayPass card (if available)*, or uses the default CVM list held by the terminal to establish if consumer verification is needed. If the PIN is required, and supported by the terminal, the reader prompts for the online PIN to be entered by the consumer. Sends authorization request message via a MasterCard acquirer, receives approval or decline from issuer in response message. Records transaction data in terminal log for subsequent use in clearing message If required, prints receipt. If the CVM list requires consumer verification by signature, prompts for signature. Figure 2, Example PayPass Payment Processing * Currently, very few deployed PayPass Mag Stripe cards or devices support CVM list processing. In this situation terminals request cardholder verification based on the default rules held internally. However, all terminals must support the processing of a CVM list held by a PayPass card or device when it is provided. MASTERCARD WORLDWIDE PAGE 14

15 REQUIREMENT 10 POS terminals must comply with the processing rules defined by the combination of payment product, merchant program, and transaction amount. As with existing transactions, the payment processing engine decides whether or not to print a receipt. Additionally, the consumer may request a receipt if they require one. When a receipt is printed, the input method used for the transaction will be identified. This will help both the consumer and the merchant identify if it was a PayPass transaction, in the event of a refund. REQUIREMENT 11 If the POS device prints a receipt, the input method shall be shown as Contactless, CONTACTLESS, PayPass or RF for PayPass transactions Cardholder Name Field As a security protection against potential identity theft the actual cardholder name will not be included in the card data obtained from a PayPass Card when read via the contactless interface. Note PayPass cards and devices are required to not include the actual cardholder name in Track 1 data read from the contactless chip. It is recommended to include the cardholder name as Supplied/Not. POS systems that normally obtain and make use of the cardholder name from Track 1 data obtained from a magnetic stripe read must be able to accommodate this difference Terminal or POS Generated Transaction Reports To simplify and transaction queries, the method of data input needs to be recorded on all transaction logs or reports produced by POS terminals or Merchant systems. REQUIREMENT 12 Any produced but the POS or Merchant Systems should specifically identify PayPass transactions. MASTERCARD WORLDWIDE PAGE 15

16 2. TERMINAL REQUIREMENTS Refunds and Reversals MasterCard acceptance rules state: If a card acceptor issues a credit for returned goods or cancelled services, it must apply the credit to the same MasterCard account that the cardholder used to purchase the goods or services. The card acceptor must not issue a cash or check refund for goods or services purchased using MasterCard. Therefore PayPass accepting terminals must be capable of performing a refund using PayPass cards or devices. REQUIREMENT 13 If a payment transaction was originated by a PayPass card or device, then the merchant must support the ability for a transaction refund to be completed using the same PayPass card or device. MASTERCARD WORLDWIDE PAGE 16

17 2.5 Terminal User Interface MasterCard requires that all PayPass payment terminals utilize a common user interface to ensure a consistent consumer and merchant experience. This ensures that consumers and merchants always know what to expect when using PayPass. This is a key element of making PayPass The Simpler Way to Pay Scope and Definitions These requirements define any additional hardware and operational processes over the existing deployed card payment infrastructure. They only cover the cardholder user interface. The merchant user interface is not specifically detailed here as this is a merchant specific requirement. There is no reason that the same user interface cannot be used by merchant operators but this is an implementation and merchant specific requirement and therefore not mandated User Interface Hardware As all contactless transactions will be conducted by the cardholder, as a minimum the cardholder interface must provide a visual and audio indication that the contactless portion of the transaction has completed successfully. This requirement applies to both attended and unattended contactless acceptance environments. To support disability groups there is also a consideration to provide a tactile indication to indicate where to place the PayPass card or device. Where possible it is suggested that this be a raised tactile profile of the contactless identifier or a raised ridge around the landing zone. The provision of a tactile indicator is not currently a mandatory scheme requirement and is left to the terminal manufacturer s discretion PayPass Landing Zone Identifier and Operating Volume MasterCard has developed the PayPass landing zone identifier, an example of which is shown in Figure 3. All PayPass terminals must identify where the consumer must tap their PayPass card or device to achieve a successful read, and this identified area is referred to as the landing zone. The landing zone must be a clearly distinguishable area on the terminal. To ensure a consistent approach of identifying the landing zone, the contactless symbol must be placed in the center of the landing zone in a position on the terminal that indicates the strongest part of the radio frequency signal that the terminal generates, referred to as the operating volume, to read the PayPass card or device. If space permits, MasterCard PayPass and other scheme branding may also be placed on the landing zone as long as branding rules are maintained and the contactless symbol is not obscured in any way and continues to indicate the center of the landing zone. If space on the landing zone does not permit scheme branding to be included, then this should be placed in such a way as not to distract the customer from identifying the contactless symbol and the landing zone. MASTERCARD WORLDWIDE PAGE 17

18 2. TERMINAL REQUIREMENTS Figure 3, Example of a PayPass Landing Zone Identifier The shape of the landing zone identifier may be changed to fit the ergonomics of the landing zone, as defined in the MasterCard PayPass Branding Guidelines. REQUIREMENT 14 All MasterCard PayPass terminals must display a PayPass landing zone identifier that includes the Universal Contactless Symbol, and if space permits the PayPass identifier, as specified in the MasterCard PayPass Branding Guidelines Note The MasterCard brand strategy and integration group may be contacted by at or via the brand identity hotline at (914) (USA). NOTE It is recommended that PayPass terminals use materials for the landing zone identifier that are not degraded by use. The landing zone identifier should show no significant noticeable degradation after one million contacted presentations (i.e., where the card or device physically impacts the landing zone during the tap process). The MasterCard type approval process (see Section 3) will make measurements using the center of the universal contactless identifier as the reference position. A minimum operating volume is defined, based on this reference position, within which all PayPass cards and devices must operate correctly. The operating volume is defined within the EMVCo Contactless Specification and represented in Figure 4 below: Figure 4 - PayPass Operating Volume MASTERCARD WORLDWIDE PAGE 18

19 REQUIREMENT 15 The landing zone identifier must be positioned on the landing zone at the centre of the operating volume generated by the PayPass reader. Note The operating volume defined within the PayPass specifications represents only the minimum acceptable read range permitted under predefined test conditions. PayPass suppliers should consider the environment in which their products are to be installed and design them such that they always provide acceptable range between the consumer s card or device and the reader PayPass Reader Status and Read Indication This section contains the MasterCard PayPass terminal user interface requirements where the primary function of the terminal is the acceptance of electronic payments. It is accepted that terminals that have a different primary function, such as transit gate entry systems, fuel or vending machines may support a different user interface, but this should not impact the overall cardholder experience of using a MasterCard PayPass product for the initiation or completion of the transaction. If such a variance is required, approval must be sought from MasterCard for the variance during the terminal type approval design review process Considerations for these requirements The introduction of contactless acceptance has, where appropriate, been considered as a complementary addition to any existing acceptance infrastructure as opposed to a replacement. These requirements outline the required user interface for conducting a payment transaction using contactless technology Visual Indication MasterCard recommends either a set of four clearly visual single color status indicators (for example green LEDs) or a display that allows a graphical representation of the four indicators that represent the status of the contactless payment application. If LEDs are to be used they should be equally spaced apart and shall be always visible to the cardholder while the PayPass card or device is being tapped. The cardholder interface should contain both LEDs and a display but only one is required as a minimum. In the case where only a display is being used it should contain a minimum of three lines of characters to allow the display of the status indicators in the top line followed by two lines for cardholder messages. As a minimum any display must be capable of displaying two lines of sixteen 8x5 dot matrix low resolution characters. The card acceptance device must be designed so that the status indicators (whether LEDs or on the display) are clearly visible to the cardholder when a card has been presented and a card read is in progress. MASTERCARD WORLDWIDE PAGE 19

20 2. TERMINAL REQUIREMENTS Appendix A indicates the MasterCard recommended use of the status indicators and suggested display messages. Implementations may re-phrase the messages to make best use of the capabilities of their display. Appendix B indicates an allowable alternative to the recommended visual indication Use of new or existing display for merchant and cardholder messages Any display can be used to display appropriate cardholder or merchant messages to indicate the progress of, and any required actions during the execution of, the contactless application process between the contactless cardholder device and the contactless reader. The display need not be incorporated into the reader itself. However, the card acceptance device must be designed such that the cardholder messaging display is clearly visible to the cardholder when they are conducting a contactless transaction and looking in the direction of the reader Audio Indication An audio indication is required to indicate a success tone. The card acceptance device must be capable of sounding this tone at a level that will be clearly audible in the intended operational environment, i.e. the implementation should take into account other background noise in the intended operational environment. The success tone is a sound of approximately 1500Hz sine wave for a period of 500ms. REQUIREMENT 16 All MasterCard PayPass acceptance devices shall include visual and audio indication as defined in this document and recommends the use of single color (green) LEDs. REQUIREMENT 17 All MasterCard PayPass acceptance devices shall support the User Interface States and Events defined in Appendix of this document. MASTERCARD WORLDWIDE PAGE 20

21 2.5.8 Design Considerations Terminals that accept magnetic stripe or contact chip cards must also ensure that there is no confusion about the technology the consumer wants to use (be it magnetic stripe, contact chip, or PayPass). The antenna location, and associated operating volume, must be designed such that they do not interfere with magnetic stripe or contact chip acceptance. If the consumer wants to conduct a magnetic stripe or contact chip transaction with a PayPass card, the magnetic stripe reader and contact chip reader should be sufficiently remote from the PayPass reader to ensure that the PayPass reader does not detect the presence of the card. REQUIREMENT 18 All MasterCard PayPass terminals must be designed such that when a PayPass card or device is presented, neither the indicators nor the display are visually obscured from the consumer by any of the following: The PayPass Card of Device The consumer s hand or arm Keys or anything that is typically expected to be attached to the PayPass device REQUIREMENT 19 When designing a PayPass terminal, consideration must be made for both left and right handed, visually impaired, aurally impaired, and less able consumers. REQUIREMENT 20 All MasterCard PayPass acceptance devices must be designed to avoid accidental capture of MasterCard PayPass payment account information when a consumer intends to transact using the card s magnetic stripe or contact chip, where present. MASTERCARD WORLDWIDE PAGE 21

22 2. TERMINAL REQUIREMENTS The branding requirements for PayPass terminals and readers are defined in the MasterCard PayPass Branding Guidelines. These guidelines define the artwork, colors, and minimum size requirements. The main requirements concern the consumer interface including the landing zone identifier. MasterCard PayPass Exclusive Terminal Multifunction Terminal Figure 5 -PayPass Terminal Branding Guidelines It should be noted that where the MasterCard PayPass brand identifier is displayed with other brands on a POS terminal, the PayPass brand must appear in a size at least equal to the largest other brand displayed. 2.6 Physical and Environmental Requirements All PayPass terminal equipment must be designed and constructed to be fit for the environment for which it may be installed. For example, in many restaurant or entertainment environments liquid spillage may occur. The reader should also be resistant against the ingress of dirt and be easy to clean. Additionally, as the landing zone is required to be consumer facing, consideration should be made regarding how the reader is to be secured and how robust the reader should be. Statutory requirements also exist in all markets with regard to product safety, emissions, and susceptibility to external influence. Merchants and system integrators may also specify additional physical and environmental requirements. All PayPass terminal equipment must fulfill these requirements with compliance certified as required by statutory bodies. MASTERCARD WORLDWIDE PAGE 22

23 REQUIREMENT 21 Where MasterCard PayPass readers are added as terminal modules, they must meet the same requirements as the base unit, including the following: Electrical reliability and regulations Environmental specifications Transportation (shock and bump, etc) specifications Early life failure mode specifications Electromagnetic compatibility (EMC) specifications Electrostatic discharge (ESD) specifications Best practices REQUIREMENT 22 All MasterCard PayPass Terminals must be designed to prevent the introduction of foreign objects which may degrade unit performance or be used to capture PayPass payment applications data from a PayPass card or device. NOTE Consideration shall be given that in some retail environments a consumer-facing terminal may be subjected to physical abuse by consumers. It is recommended that it be constructed from durable materials and have the facility to be securely attached to a counter or mounting location NOTE Consideration shall be given that in some retail environments a PayPass terminal may be located in a position where liquid spillage may occur. It is recommended for such environments that the terminal be sealed to prevent liquids from causing damage to the internal components MASTERCARD WORLDWIDE PAGE 23

24 3 PAYPASS CERTIFICATION AND TESTING PayPass testing and certification processes are part of MasterCard s approval mechanism to help achieve global interoperability of PayPass. Figure 6, PayPass Global Interoperability As part of these processes, MasterCard has defined formal certification requirements that must be undertaken before PayPass terminals may be supplied to merchants and used for MasterCard PayPass acceptance. In addition to these formal requirements, MasterCard recommends that further testing be undertaken for each functional element within a system/network as part of supplier s/acquirer s business-asusual commissioning and acceptance processes. Figure 7 illustrates the functional elements of the entire MasterCard PayPass program and the required testing associated with each. The diagram identifies the main elements of terminal testing. MASTERCARD WORLDWIDE PAGE 24

25 Figure 7, MasterCard PayPass Certification and Testing Overview* * The POS system shown represents the main logical components; implementations of actual systems may vary. MASTERCARD WORLDWIDE PAGE 25

26 3. PAYPASS CERTIFICATION AND TESTING 3.1 PayPass Terminal Testing MasterCard provides a range of services and technical support to assist vendors during PayPass development and installation. The support services include product approval and a help desk for responding to technical questions regarding the MasterCard PayPass specifications. The contact address for this service is: Full details of the terminal type approval and certification processes are available on the web site MasterCard s terminal approval process is based on the following principles: Terminals supporting PayPass acceptance need to be type approved. Compliance tests are performed in MasterCard-accredited testing laboratories. Testing laboratories sign a service agreement with the vendor. Testing laboratories prepare a detailed test report for the vendor. The vendor needs to request approval from MasterCard. MasterCard is the approval authority and issues the approval statement. Vendors can benefit from the approval and support services to ensure that the product implementation complies with MasterCard requirements. MasterCard provides a Terminal Design Review service that will evaluate the design of the terminal at the earliest possible stage against the implementation requirements outlined in this document. This service will also ensure that the Type Approval Testing services are appropriate for the terminal s design. In addition to formal Terminal Type Approval (TTA) testing of a terminal, MasterCard operates a Terminal Quality Management (TQM) program. Terminals that incorporate a PIN Entry Device (PED) must also be submitted for PCI-PED security evaluation. The TQM program assures quality levels for all MasterCard PayPass terminals. TQM provides merchants and acquirers with assurances that the terminal vendor has the capability to produce PayPass products consistent with the original samples for which the TTA approvals were awarded. Therefore repeatability of product conformity is a crucial quality aspect that is assured through the TQM program. The Payment Card Industry POS PED Security Evaluation Program is only applicable for terminals that incorporate the facility to allow the consumer to enter their PIN. It defines the requirements and guidelines for conducting a security evaluation of hardware and application software used to provide this functionality. For more information please refer to the MasterCard documents: PayPass Terminal Approval Process or PayPass Terminal Vendor Approval Services. Both are available through your MasterCard representative or by contacting the MasterCard PayPass testing team by at MASTERCARD WORLDWIDE PAGE 26

27 APPENDICES A Appendix A - Recommended User Interface B Appendix B - Alternative User Interface C Appendix C, Global Operations Bulletin No. 6, 1 June D Appendix D, Glossary E Appendix E, Consumer Interface Methods...54 F Appendix F, Terminal Requirements Summary MASTERCARD WORLDWIDE PAGE 27

28 A Appendix A - Recommended User Interface State / Event Name Description Cardholder Interface (LED Indicator only display or LED and 2 line message display) Display only option Audio Indication Not Working Terminal is either not powered on or if applicable, not communicating with any attached POS or EFTPOS system. LEDs Display, if present None No indicators or message displayed. LEDs Idle Reader is powered up and connected correctly, but not ready to read a contactless card or device. Further information, such as the transaction value, is required by the reader before a contactless read can commence. The first indicator shall blink on for 200ms every five seconds to indicate that the reader is powered on and communicating to any connected POS terminal. Display, if present For two line displays, display the first and second line above. None MASTERCARD WORLDWIDE PAGE 28

29 State / Event Name Description Cardholder Interface (LED Indicator only display or LED and 2 line message display) Display only option Audio Indication Terminal or reader has all the required information to initiate a contactless payment transaction. LEDs Ready to initiate contactless transaction One indicator displayed. Display shows transaction amount. Display, if present For two line displays, display the second and third line above. None LEDs A transient error such as an RF communication error has occurred. Transient error Transient errors shall not be displayed to the cardholder. The cardholder interface remains at Ready to initiate contactless transaction. Display, if present For two line displays, display the second and third line above. None A communication error is deemed to be transient if it is possible to re-establish communication with a card within 500ms of the error occurring. MASTERCARD WORLDWIDE PAGE 29

30 State / Event Name Description Cardholder Interface (LED Indicator only display or LED and 2 line message display) Display only option Audio Indication LEDs Contactless application process was completed successfully. This indicates that the cardholder may remove their card from the reader area. This indication is only given if the result of the card read is one of: 250ms Card read completed successfully Offline approve Online authorisation required Offline decline This indication is not given if the result of the card read is that a contact transaction is required. This indication does not mean the transaction is complete. Existing authorisation processes may still need to take place to determine the outcome of the transaction. Display, if present Success Tone The remaining indicators light in order over a period of 250ms indicating success. All four indicators then remain lit for a minimum of 750ms. For two line displays, display the first and second line above. The display indicates card read OK and that the card should be removed. MASTERCARD WORLDWIDE PAGE 30

31 State / Event Name Description Cardholder Interface Preferred Display Option (LED Indicator Display and message display) Display only option Audio Indication LEDs Conditions for use of contactless not satisfied On initiating a contactless transaction it has been determined that the conditions for use of the contactless interface have not been satisfied. For example, card risk management indicates that a contact chip or magnetic swipe transaction is required. All indicators turned off as contactless initiation is not acceptable for this transaction. Display, if present For two line displays, display the second and third line above. None Display prompts cardholder to insert or swipe card. Display remains until card inserted or swiped or transaction cancelled. MASTERCARD WORLDWIDE PAGE 31

32 State / Event Name Description Cardholder Interface Preferred Display Option (LED Indicator Display and message display) Display only option Audio Indication Any non-recoverable failure during the execution of the contactless application process between the card/device and terminal/reader. LEDs Contactless Error While error condition is occurring turn off all indicators and display an appropriate error message. Display, if present For two line displays, display the second and third line above. None When error has been resolved return to either an idle or ready state as appropriate. MASTERCARD WORLDWIDE PAGE 32

33 The following rows illustrate specific contactless error conditions. State / Event Name Description Cardholder Interface Preferred Display Option (LED Indicator Display and message display) Display only option Audio Indication LEDs Multiple contactless cards or devices detected by the reader. While error condition is occurring turn off all LED indicators. Display, if present Contactless Collision Detected Display prompts cardholder to present a single card only. For two line displays, display the second and third line above. None When error has been resolved return to Ready to initiate contactless transaction. MASTERCARD WORLDWIDE PAGE 33

34 State / Event Name Description Cardholder Interface Preferred Display Option (LED Indicator Display and message display) Display only option Audio Indication LEDs Following the completion of the contactless application process the terminal detects that the same card is still present in the field of the reader. Display, if present Card not removed from reader While condition is occurring turn off all LED indicators. For two line displays, display the second and third line above. None Display prompts cardholder to remove card. MASTERCARD WORLDWIDE PAGE 34

35 B Appendix B - Alternative User Interface Cardholder Interface State / Event Name Description Alternative Option Multi color LEDs and Optional 2 line display Display only option Audio Indication LEDs Not Working Terminal is either not powered on or if applicable, not communicating with any attached POS or EFTPOS system. Display, if present with LEDs None No indicators or message displayed. LEDs Idle Reader is powered up and connected correctly, but not ready to read a contactless card or device. Further information, such as the transaction value, is required by the reader before a contactless read can commence. Blue Display, if present with LEDs None The first indicator shall blink on for 200ms every five seconds to indicate that the reader is powered on and communicating to any connected POS terminal. For two line displays, display the first and second line above. MASTERCARD WORLDWIDE PAGE 35

36 Cardholder Interface State / Event Name Description Alternative Option Multi color LEDs and Optional 2 line display Display only option Audio Indication Ready to initiate contactless transaction Terminal or reader has all the required information to initiate a contactless payment transaction. One indicator displayed. Display shows transaction amount. Blue LEDs Display, if present with LEDs For two line displays, display the second and third lines only. None LEDs Processing Terminal is executing the contactless application Blue Yellow Display, if present with LEDs For two line displays, display the second and third line only. None Transient error A transient error such as an RF communication error has occurred. Transient errors shall not be displayed to the cardholder. The cardholder interface remains at Ready to initiate contactless transaction. A communication error is deemed to be transient if it is possible to reestablish communication with a card within 500ms of the error occurring. Blue LEDs Display, if present with LEDs For two line displays, display the second and third line only. None MASTERCARD WORLDWIDE PAGE 36

37 Cardholder Interface State / Event Name Description Alternative Option Multi color LEDs and Optional 2 line display Display only option Audio Indication Card read completed successfully (LEDs / /Display remains in this state for a minimum of 750ms) Contactless application process was completed successfully. This indicates that the cardholder may remove their card from the reader area. This indication is only given if the result of the card read is one of: Offline approve Online authorisation required Offline decline This indication is not given if the result of the card read is that a contact transaction is required. This indication does not mean the transaction is complete. Existing authorisation processes may still need to take place to determine the outcome of the transaction. The remaining indicators light in order over a period of 250ms indicating success. All four indicators then remain lit for a minimum of 750ms. LEDs Blue Green Display, if present with LEDs For two line displays, display the first and second line only. Success Tone The display indicates card read OK and that the card should be removed. MASTERCARD WORLDWIDE PAGE 37

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