CHIP CARDS (EMV) FOR ACQUIRERS AND PROCESSORS

Prepare your business and your merchants to accept chip cards

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The switch to chip card terminals can be a vital part of your business, and we’re here to help. We have resources and best practices to help streamline your upgrade and help your merchants accept Discover® Global Network chip cards. Start your certification today.

Why is certification needed?

To process Discover Global Network chip card transactions, minimize business disruptions and achieve required certifications, including host, clearing and terminal (end-to-end) certifications.

Discover® Global Network helps streamline certification

Expert Process Management

Certification is managed through Discover-approved service providers who have the ability to validate test log formats—allowing you to use the test tool of your choice. To obtain a list of service providers, contact your Account Executive.

Easy-To-Use Discover Global Network Platform

Through the Discover Innovation Gateway (DIG), we help facilitate end-to-end terminal certifications, which will allow us to offer additional services. This ensures you’re provided with best-in-class support from our accredited service providers.

Ensured Compliance

While D-PAS end-to-end terminal certifications will be managed through service providers, host certifications (for acquirers/processors now processing Discover Network transactions) and clearing certifications will continue to be managed through the Discover Release Compliance Tool (RCT) platform.

Discover End-to-End Certification Guidelines

Read the following information for general guidelines on EMV POS certification (also known as Level 3 certification) and the primary types of terminals.

 

Terminal and PIN pad certification are required by all acquirers and merchant processors for stand-alone terminals.

Considerations

For stand-alone terminal certifications each unique kernel must be certified.

  • Each terminal model requires an EMVCo Terminal Type Approval Level 1 and Level 2 certification.

    • EMVCo Level 1 certification addresses the hardware of the terminal, while EMVCo Terminal Type Approval Level 2 (kernel) addresses the terminal application software.
  • When certifying terminal models with the same kernel, only one of the terminals needs to be certified. That certification will account for all other terminals using the same kernel.

When the exact same terminal application is being used in multiple markets and/or currencies, the terminal end-to-end certification is needed only once.

  • Please indicate within the certification request the markets in which the terminal will operate.

In general, all unique terminal configurations, integrated or semi-integrated, need to be certified by integrated payment providers (IPPs).

  • The purpose of the Discover terminal certification is to certify our D-PAS application—to ensure transactions pass through a specific host system (acquirer/processor) to Discover Global Network.
  • IPPs need to certify their terminals with each acquirer/processor they connect to—for each card brand application they accept.

When using an acquirer/processor, each large merchant must certify their terminal and/or PIN pad with their acquirer/processor to accept Discover chip card transactions. The devices for each merchant have to be certified by acquirers/processors due to the unique nature of the terminal configuration.

It’s not possible for an acquirer/processor to certify a specific terminal device for one merchant and not another that uses the same device. However, certification of one terminal model will suffice if a merchant uses multiple terminals/PIN pads with the same kernel.

D-PAS test cards for certification and production validation

Once you’ve completed EMV (Chip Card) POS certification, it’s time to conduct production validation to ensure your solution works properly.

  • To obtain Discover unfunded test cards, contact your account executive
  • Make sure the Production CAPKs are loaded
  • Use the production validation test cards to run transactions in production

 

Testing Certification

Acquirers and processors can use a card simulator or physical D-PAS certification test cards to complete host and EMV (chip card) terminal end-to-end certification (also known as Level 3 certification). Contact your account executive to request D-PAS certification test cards and the list of qualified D-PAS end-to-end test tools and card simulators.

Testing Production Validation

Once your terminal has been certified and is deployed in a production environment, it is time to conduct production validation testing to make sure your device is accepting Discover chip cards correctly. Discover Network provides physical unfunded EMV test cards to be used in production, so contact your account executive to obtain these cards.

Complete the form to obtain test cards

Discover Global Network Chip Terminal Parameters

Application Identifiers (AIDs)

Discover Network supports the following Application Identifiers (AIDs) that need to be loaded in all terminals (POS).

Specification Name
AID
USES
TERRITORY

D-PAS

A0000001523010

D-PAS Contact and Contactless AID. Discover Card, Diners and network-to-network partners (BCcard, DinaCard, Interswitch, etc.).

All

D-PAS

A0000001524010

Discover U.S. Common Debit AID

U.S.*

D-PAS

A0000003241010

ZIP AID. Magstripe contactless

All

J/Smart

A0000000651010

JCB J/Smart contact AID.

U.S.

UICS

A000000333010102

UnionPay Credit Cards AID

U.S., Mexico, Bahamas

UICS

A000000303010103

UnionPay Quasi Credit Cards AID

U.S., Mexico, Bahamas

UICS

A000000333010101

UnionPay Debit Cards AID

U.S., Mexico, Bahamas

UICS

A000000333010108

U.S. UnionPay Common Debit AID

U.S.

UICS = UnionPay Integrated Circuit Chip Card Specifications

The United States of America, includes 50 states, the District of Columbia, and any commonwealth, territory or possession of the United States of America, including military bases and embassies, including Puerto Rico, Guam, Saipan, US Virgin Islands, etc.

*A common AID allows Merchants and Acquirers to route debit card transactions over multiple unaffiliated networks. . The Discover U.S. Common Debit AID is available for Discover/PULSE-issued cards with another card brand as a secondary routing network.

 

TAC Values D-PAS Global Proprietary AID A0000001523010

TAC
OFFLINE DATA AUTHENTICATION SUPPORTED
OFFLINE DATA AUTHENTICATION NOT SUPPORTED

Denial

'0010000000'

'0010000000'

Online

'FCE09CF800'

'30E09CF800'

Default

'DC00002000'

'1000002000'

 

TAC Values D-PAS U.S. Discover Debit AID A0000001524010

TAC
OFFLINE DATA AUTHENTICATION SUPPORTED
OFFLINE DATA AUTHENTICATION NOT SUPPORTED

(POS Only)

(ATM and POS)

Denial

'0010000000'

'0010000000'

Online

'FCE09CF800'

'FFFFFFFFFF'

Default

'DC00002000'

'FFFFFFFFFF'

Note: There are no TAC Values for Contactless.

Please contact your Discover Network Account Executive to obtain the TAC values for JCB and UnionPay.

Discover Global Network Chip Terminal Parameters

Discover has three D-PAS Application Identifiers (AIDs) that need to be loaded in all terminals.

AID

A0000001523010

USES

D-PAS Contact and Contactless AID. Discover Card, Diners and Network-to-Network partners (BCcard, DinaCard, Interswitch, etc.).

TERRITORY

All

AID

A0000001524010

USES

U.S. Discover Debit Common AID

TERRITORY

U.S.*

AID

A0000003241010

USES

ZIP AID. Magstripe contactless.

TERRITORY

All

TAC

Denial

Offline Data Authentication Supported

'0010000000'

Offline Data Authentication Not Supported

'0010000000'

TAC

Online

Offline Data Authentication Supported

'FCE09CF800'

Offline Data Authentication Not Supported

'30E09CF800'

TAC

Default

Offline Data Authentication Supported

'DC00002000'

Offline Data Authentication Not Supported

'1000002000'

 

Public Keys

Please contact your Discover Network Account Executive to obtain the test and production public keys for D-PAS, J/Smart, and UICS.

Chip card technology solutions and resources

Discover® Quick Chip Streamlines Checkouts

Support of Discover Quick Chip provides another option to reduce the amount of time a chip card remains in the terminal.

Learn More

Access Free Chip Card Training Materials

Educate your merchants on chip card best practices—and give them the resources to get customers up to speed, too.

Get Resources

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