EMV News

October/November 2018
®

Getting Started on Quick Chip or Contactless Chip

Frequently Asked Questions
Did you know?
Contactless Chip Device Renewal Policy Changes
Under the current policy, a contactless device is approved for two-year increments. Nearing the approval expiration date the vendor
may choose to extend the approval for another two years, if the product meets renewal eligibility requirements at that time. To better
align with EMVCo’s terminal approval process and reduce the burden on vendors, Visa Approval Services is changing its renewal policy
for chip card acceptance devices.
Effective November 1 2018, Visa is changing its policy, moving from a two-year cycle to a four-year cycle. New base products will
receive an initial four-year approval period instead of two, and can be renewed for another four years if eligible for renewal. This new
policy will be retroactively applied to devices that meet all of the required criteria.

Visa’s Streamlined U.S. Acquirer Contactless Chip Level 3 (L3) Self-Certification

Visa’s streamlined U.S. acquirer contactless chip L3 self-certification process provides an autonomous, simple and fast process to:
• Migrate to Visa contactless chip (for merchants electing to support contactless transactions).
• For devices that are currently certified for EMV contact chip, Visa does not require a complete formal EMV L3 terminal certification
with the Acquirer/Processor when adding qVSDC.
• There is no requirement to L3 certify contactless chip for all the payment networks at the same time. Visa’s contactless kernel is
100% independent from the other payment networks. Therefore, replacing Visa’s legacy MSD contactless with qVSDC or adding
qVSDC can be completed in an autonomous manner.
• More importantly, if the Visa Level 2 (L2) kernel already supports contactless EMV, it is simply a matter of re-configuring the L2
kernel with no additional L2 testing.

Reminder About VAR Mailbox Visa Approval Services

For inquiries or questions, please contact VisaTechPartnerships@visa.com. Refer to Approval Services monthly approved products
In the meantime, please visit these Visa chip sites for more information about EMV: lists for chip payment devices that were granted Letter of
Visachip.com Approval (LOA) upon completion of Visa’s contactless Level
2 kernel testing and approval process. The complete list
Visa Technology Partner
is available on Visa Technology Partner website (https://
Visa Chip Bytes technologypartner.visa.com/Testing/TestMaterials.aspx).
EMV Testing and Certification White Paper: Current Global Payment Network
For any other questions on the Approval Services’ testing
Requirements for the U.S. Acquiring Community
and approval process for contactless chip payment
devices, please contact ApprovalServices@visa.com.

© 2018 Visa. All Rights Reserved. EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.
EMV News | October/November 2018
Below is a table of cases and related conditions to help identify the steps to follow when adding qVSDC to a contactless-capable
terminal device:
Case 1 Or, Case 2 Or, Case 3 Or, Case 4
Conditions If terminal device supports If terminal device is contactless If contactless and/or EMV kernel has expired If terminal device has NOT
MSD contactless AND has capable AND has already been AND terminal device is qVSDC capable. been certified for contact
already been certified for certified for contact chip. chip OR terminal device is
contact chip. NOT qVSDC capable
Note: This means Visa’s
contactless kernel is already in
place.

Steps to Step 1.1.1 Step 1.2.1 Step 1.3.1 No changes to current L3

follow Set up the terminal device Enable Visa contactless chip Enable Visa contactless chip transaction certification processes with
application to process qVSDC transaction processing. processing. the acquirer/processor or
transactions by simply Step 1.2.2 Step 1.3.2 Visa.
modifying the Terminal Set up the terminal device Set up the terminal device application Note: For chip projects
Transaction Qualifiers (TTQ) application to process qVSDC to process qVSDC transactions by simply to proceed with reduced
Byte 1 bit 6 must be equal transactions by simply modifying modifying the Terminal Transaction Qualifiers development testing cycles,
to 1b (qVSDC supported) the Terminal Transaction Qualifiers (TTQ) Byte 1 bit 6 must be equal to 1b (qVSDC fewer test cases and a faster
and TTQ Byte 1 bit 8 should (TTQ) Byte 1 bit 6 must be equal supported) and TTQ Byte 1 bit 8 should be implementation time, Visa
be equal to 0b (MSD not to 1b (qVSDC supported) and TTQ equal to 0b (MSD not supported). strongly recommends
supported). Byte 1 bit 8 should be equal to 0b
Note 1: Configuration of Visa’s contactless kernel certifying the terminal for
Note: Configuration of Visa’s (MSD not supported). both Quick Chip AND qVSDC
does not impact the other payment network
contactless kernel does not Note: Configuration of Visa’s contactless kernels. at the same time.
impact the other payment contactless kernel does not impact
Note 2: Existing terminals can remain in market Please refer to the Visa U.S.
network contactless kernels. the other payment network
beyond the approval expiration as long as there EMV Chip Terminal Testing
contactless kernels. Requirements for additional
are no changes to the kernel or chip processing
logic. This would include existing inventory details.
already in the distribution channel as long as
there are no interoperability issues. Review with
your kernel provider, as the provider may need to
update the kernel. Refer to the Kernel Management
Guidelines webcast available at www.emv-
connection.com/emv-resources/ and the latest
version of EMVCo Type Approval Bulletin No. 11 for
more details. However, new terminals should be
deployed with the updated kernel.
Step 2
Limited streamlined testing for contactless chip is required by Visa and limited regression testing for the contact chip
interface is recommended (refer to the latest version of the U.S. version of Acquirer Device Validation Toolkit (ADVT) and
Contactless Device Evaluation Toolkit (CDET) for details) against acquirer/processor end-to-end existing Level 3 testing
environment OR VisaNet Certification Management Service (VCMS).
Use either a U.S. Visa-Confirmed Acceptance Test Tool OR the Visa CDET app mobile application, available on Google
Play Store (must be installed on an Android NFC capable mobile device) to run the applicable U.S. CDET test cases.
Refer to the latest version of the U.S. Quick Chip and Minimum Terminal Configuration ADVT 7/CDET 2.3 Use Cases for
more details.
Note: The majority of U.S. acquirer certifications use a U.S. Visa-Confirmed Acceptance Test Tool.
Step 3
A notification email attesting successful completion of U.S. CDET testing (all test results “pass”) must be sent to
acquirer/processor OR for organizations still submitting test results into CCRT, submit without requesting Visa review.
CCRT will auto-accept the submission. (Optionally include logs.)
Step 4
If testing is successfully completed and the notification email sent, then the terminal device is considered to have
completed contactless L3 chip testing from Visa’s perspective.
Please refer to the Visa U.S. EMV Chip Terminal Testing Requirements for additional details.

Note 1: Terminal device must have already received EMV Level 1 and Level 2 approval and is configured for deployment.
Note 2: Visa Terminal Transaction Qualifiers (TTQs, tag '9F 66') recommended settings: support qVSDC, NOT support MSD, Contact EMV, Signature, and CDCVM ('32 00 40 00').
Optionally support Online PIN ('36 00 40 00'). In unattended environments, signature should be indicated as supported, even though it will not be captured. Set floor limit to zero
to always go online.

Testing Reminder
Effective 13 April 2019, all contactless devices must comply with VCPS 2.1.1 or later
and actively enable the qVSDC transaction path.
© 2018 Visa. All Rights Reserved.