U.S. Payments Forum Contactless Resources: Implementation Considerations and Clarifications
The U.S. Payments Forum conducted a contactless survey with Forum members and identified a number of contactless implementation considerations that required clarification. The table below provides recently-published resources that provide guidance when implementing contactless payments in the U.S.
| Category | Implementation Consideration/ Clarification | Resource |
|---|---|---|
| Incorrect Terminal Configuration | MSD contactless vs. EMV contactless technology mismatch | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| Incorrect Terminal Configuration | Terminal capabilities mismatch | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| Incorrect Terminal Configuration | Offline terminal declines | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| Incorrect Terminal Configuration | Offline Data Authentication (ODA) failures | Planned to be addressed in ODA webinar by Forum Communications & Education Working Committee |
| Transaction Data Quality | POS Entry Mode mismatch | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| Transaction Data Quality | Missing PSN | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| Transaction Data Quality | Issuer Discretionary Data corruption | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| Hardware | Contactless antenna proximity | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| User Experience | Physical terminal placement | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| User Experience | Available Cardholder Verification Method (CVM) options | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| User Experience | Employee awareness | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| User Experience | Signage on/around terminals | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| User Experience | Additional or unnecessary prompts | U.S. Payments Forum white paper – “Optimizing Transaction Speed at the POS”2 |
| Merchant Considerations | Wallet identification | Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations”1 |
| Testing | Clarification on Level 3 testing requirements | U.S. Payments Forum white paper – “EMV Testing and Certification: Current Global Payment Network Requirements for the U.S. Acquiring Community”3 |
1Secure Technology Alliance white paper – “Contactless Payments: Proposed Implementation Recommendations,” https://www.securetechalliance.org/publications-contactless-payments-proposed-implementation-recommendations/
2US Payments Forum white paper – “Optimizing Transaction Speed at the POS,” https://www.uspaymentsforum.org/optimizing-transaction-speed-at-the-point-of-sale/
3U.S. Payments Forum white paper – “EMV Testing and Certification: Current Global Payment Network Requirements for the U.S. Acquiring Community, https://www.uspaymentsforum.org/emv-testing-and-certification-white-paper-current-global-payment-network-requirements-for-the-u-s-acquiring-community/