What is Chip and PIN?
Why must I change?
What is the Impact?
What are the benefits?
What steps must I take?
How can I minimise the cost?
 

What steps must I take?

If you are using stand-alone transaction terminals supplied by your bank they will be upgraded automatically by the bank. If you are using your own stand-alone terminals you may contact your supplier for new terminals. Alternatively, you may wish to take this opportunity to move to integrated EFTPOS. Integrated EFTPOS is where the the functionality of a stand alone transaction terminal is emulated on your point of sale systems and fully integrated with them.

Step 1.
Decide what EMV Level 1 approved hardware you will use to read the chip cards and to allow the PIN number to be entered. Part of the process will involve a decision either to use a separate card reader and PIN pad, or a combined reader with PIN pad.
[See: what are my hardware choices: integrated or separate reader?]
 
 
Step 2.
Decide where you want to run the supporting EMV Level 2 software. You have a choice of running it on the reader, on the point of sale till or on a server.
[See: where should I run the software: server, POS or reader?]
 
 
Step 3.
Approach your existing EFTPOS supplier to see if they have upgraded their software to handle the new EMV chip card data for both authorisation and settlement. If not, you have a choice of asking them to provide an upgrade or changing to a product which has the necessary support.
 
 
Step 4.
Design new systems and plan how existing systems will be upgraded. Take into consideration how the new EMV configuration parameters will be maintained. Make allowances for any software upgrades and card reader firmware updates which may be required after going live, e.g. for future EMV changes 
 
 
Step 5.
Contact your bank and present you proposed migration to chip and PIN plans. Discuss the certification process for going live.
 
 
Step 6.
Contact the chip and PIN programme office to discuss opportunities to take part in the town trial and receive help with staff education and training.
 
 
Step 7.
Order new products, integrate software with existing point of sale and EFTPOS systems, perform certification testing and obtain approval from bank to go live.
 
 
Step 8.
Upgrade a small number of pilot stores and system test.
 
 
Step 9.
Educate all relevant personnel and then go live with pilot stores.
 
 
Step 10. 
Roll out to all stores.

 
 
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