FAQs around the EMV migration for AFDs

January 29, 2018 - UL recently hosted a webinar about the EMV liability shift at the fuel pump and collected the most frequently asked questions. Read the answers below and view the recording of our webinar!

1. Is there a liability shift for contactless transactions at AFDs?

All liability shifts are applicable only to the EMV contact adoption. There are no liability shift dates for the adoption of EMV contactless in the U.S. for any industry vertical. EMV contact liability shift dates in the U.S. are as follows: 

  • Retail – 2015
  • ATM (Mastercard) – 2016
  • ATM – 2017
  • AFD – 2020.

2. What approach should be used for cards that support only signature in EMV AFD?

For a contact EMV transaction, first, CVM match between card and terminal is used for transaction processing. In case of a signature-only card is used and an AFD terminal doesn’t support signature, NO CVM will be used as a CVM method for processing the transaction.

Contactless CVM limit for the AFD vertical is recommended to be set at $0, and all transactions will require a CVM during processing. If a signature-only card is used at a terminal, there are chances that you will be prompted to switch the interface to contact. It is recommended to support signature CVM in a contactless interface at unattended terminals, but there’s no need to capture it (tell the card that the terminal supports signature, but it is not required to capture it).

3. For contactless AFD, what are the CVM limits by brand? Does VISA require ZIP Code AVS for all AFD Contactless?

Below are CVM limits for the AFD contactless implementation, as confirmed by brands:

  • As per Visa Fleet and Automatic Fuel Dispenser Recommendations as well as M/Chip Requirements for Contact and Contactless, CVM limit at AFDs for VISA and MC is $0
  • For Discover and Amex, there is no preferred CVM limit value, and client/acquirer can set this value itself.

 For the EMV implementation at AFDs, a zip code prompt is completely optional for all the brands.

4. Is there a list of certified EMV card readers for AFDs?

Every terminal and its kernel goes through EMVCo Level 1 and Level 2 certifications seeking the approval letters required to move into the Level 3 end-to-end certification. List of approved Level 1 and Level 2 terminals/kernels can be obtained from the EMVCo website https://www.emvco.com/approved-registered/approved-products/

5. Is SAF supported in AFDs?

SAF stands for store and forward processing, which defines the capability of merchants to process the transactions offline when a connection with an acquirer host is down. Yes, SAF is applicable to AFDs and requires brand approvals and testing before implementation.

6. Will Quick Chip be part of the AFD EMV rollout?

Quick Chip allows the cardholder to remove the card even before an online authorization is attempted, while still maintaining the same levels of cryptographic security as offered by Classic EMV. Yes, Quick Chip is already a part of the AFD EMV rollouts. It depends on the clients’ needs whether they want to opt in for classic EMV or Quick Chip.

Watch the full webinar recording here.

Contact us with any questions at TransactionSecurity@ul.com