Our solution delivers an integrated, certified secure payment processing solution that minimizes the level of effort needed for implementation and includes ongoing updates to keep the payment processing technology current. The OpenEdge EMV solution supports multiple peripheral device options and is Card Brand-certified, providing these benefits:

• Swift Implementation
  Because the development time required for EMV support is reduced, we can prepare you for EMV quickly and well ahead of the liability shift.
• Future-Proof
  Any new technology undergoes a period of adaption and experimentation, implementing new features over time. Our EMV solution is sophisticated and feature-rich, incorporating trending technologies that will grow in acceptance: Near Field Communication (NFC), Apple Pay, tokenization, point-to-point encryption and more.
• Device Flexibility
  EMV and magnetic stripe technologies will co-exist for some time. Your OpenEdge hardware will accept all transaction types. As consumers grow accustomed to paying on different platforms (smart phones, tablets, new mobile devices), we’ll be ready – and so will you.
• Ready. Set. Go.
  EMV supported terminals from OpenEdge are available for you to purchase today. We also offer a rental program to help you manage the expense of the new devices.

Your EMV-enabled device will communicate with the chip inside the customer's smart card to determine whether or not the card is authentic. Generally, the terminal will prompt the customer to sign or enter a PIN to validate their identity. This process enhances the authentication of both the card and cardholder, effectively reducing the possibility that your business will accept a counterfeit card or be held liable for a fraud-related chargeback.

Learn more about how to process EMV transactions →

How to process EMV transactions

Chip & Signature

Instead of providing a PIN to complete a purchase, this process just requires a signature. Signature can be obtained via a signature capture device, or via paper receipt.

Contactless

NFC-enabled card users can tap the card in front of an NFC-enabled POS device and then provide either a PIN or signature.

Chip & Pin

The card is inserted into the POS device which keeps the card until a PIN number is provided.

Chip Only

If a transaction is under specific floor limit, neither PIN nor signature may be required.

Magnetic Stripe

Supported EMV devices will also enable the acceptance and processing of magstripe cards in addition to those utilizing a smart chip. Signature can be obtained via a signature capture device, or via paper receipt.

A chip payment card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. What you see on the card is not the actual microchip but a protective overlay. The microchip provides an additional level of authenticity for the transaction.

To process a chip card transaction, follow these four simple steps:

1. Identify whether the card is a chip card.
2. If it's a chip card, the customer should then insert it into the chip card reader (slot on the bottom-front of the terminal) and leave it there until the transaction is complete.
3. Follow the prompts displayed on the terminal.
4. Let the customer complete the transaction by keying in a PIN or signing the receipt.