Vantiv US EMV certified terminal solutions

Which US EMV certified terminals can be used with Vantiv today? Merchants have two choices, countertop terminal or multilane terminal. The latter is available only with CenPOS, a merchant centric end to end payment engine. On October 1, 2015, retail merchants that don’t support chip cards will be liable for counterfeit credit card fraud.

Vantiv announced a partnership with Ingenico in 2013, to distribute Ingenico EMV ready terminals. While Vantiv did not specifically state which terminals would be certified, the official PR from Ingenico includes, “The portfolio of Ingenico EMV certified devices includes iCT220 & iCT250 countertop terminals, and iWL220 wireless terminal.”

ict250 ingenico emv terminal

iCT250 ingenico emv terminal

To enable EMV at the merchant level, the following steps are needed:

  • Acquirer completes requirements to process EMV
  • Hardware (each terminal) certified to accept EMV
  • Hardware certified to acquirer
  • Gateway certifies hardware to acquirer (if applicable; required for all multi-lane terminals and integrated solutions)
  • Merchant account enabled for EMV

In May 2015, Vantiv announced, “Ingenico Group Adds Vantiv’s EMV-certified Application to Smart Terminals for Small- and Medium-sized Businesses“. Because every terminal is to individually certified, it’s unclear which terminals have been certified to date since they’re not specified, but the iCT250 is definitely on the list.

With CenPOS, Vantiv merchants can also use the Verifone MX 915, a multilane, signature capture terminal, and enable EMV immediately. To process transactions, merchants use a virtual terminal with a web browser and high speed internet, or optional integrated solution. Additional multi-lane terminal options will be available in the future, including the Ingenico ISC250.

verifone MX915 EMV terminal

Verifone MX915 multilane signature capture terminal

CenPOS is a merchant-centric, end-to-end payments engine that drives enterprise-class solutions for businesses, saving them time and money, while improving their customer engagement. CenPOS’ secure, cloud-based solution optimizes acceptance for all payment types across multiple channels without disrupting the merchant’s banking relationships. CenPOS is available globally. For additional information, contact Christine Speedy, 954-942-0483.

EMV chip terminal for Microsoft Dynamics RMS

What are RMS user options for EMV terminals? Here’s four options for merchants to choose from while waiting for RMS integrated EMV terminal; as of August 24, 2015, there are no gateways driving US EMV certified terminals yet.

Which is best EMV terminal for RMS users to accept chip cards today?

emv smart card

EMV chip smart card.

Which option would you choose?

  1. Choose CenPOS virtual terminal* and US EMV Verifone MX915 certified terminal with signature capture, hoping the gateway gets integrated into RMS later?  Or use it short term, and switch later if another option is integrated first? (The  Ingenico ISC250, is currently certified on First Data only, with others pending.)
  2. Choose a payment gateway that’s working on EMV certification and RMS integration with unknown ready date? hopefully will add 3-D Secure?
  3. Wait and see? The challenge is time. The closer it gets to Ocober 1, the harder it may be to procure terminals (shortages have been common all year), implement & train etc. Additionally, merchants may have stability challenges with gateways that are integrating terminals for the first time.
  4. Buy a countertop terminal with EMV certified pinpad, and use non-integrated? The units certified will vary by payment processor. This is probably the last choice, because it can never be integrated later.

Today, card issuers bear the fraud loss if they give merchants authorization to accept the payment for a counterfeit card at the point of sale. Merchants never know about this fraud because the processor/acquirer automatically manages the response. Starting October 1, this process no longer applies. If merchant doesn’t support EMV, but the card issuer does, the acquirer is liable and can immediately chargeback the merchant’s bank account via ACH. What’s the financial risk? Nobody knows, but an estimated 63% of card present fraud losses were covered by issuers in 2012.

* CenPOS also supports 3-D Secure for ecommerce, to help combat expected increase in online fraud; it’s also supports level III data for business to business companies.

PCCharge Replacement With EMV Certified Terminals

What can merchants replace PCCharge with? How would it impact your business if PCCharge suddenly stopped working? October 1, 2015 is end of life and end of support, so planning replacement is critical. Because it’s also the same date as EMV liability shift, merchants will want to update to EMV and NFC compatible solutions to optimally serve customers.

Verifone PCCharge is Windows based software program which uses an internet connection to process transactions. It’s compatible with all acquirers (credit card processors), and the ‘wedge’ card reader is the most common retail set up. magtek mini card swiperThere are no similar EMV certified card readers certified to any processor currently.  Because EMV transactions require customers to hold onto their card for the transaction, no change is anticipated.

Option one is a cloud based solution called a virtual terminal. Unlike PC software, the gateway is always up to date; merchants login to a secure web page or to integrated POS software. All virtual terminals use an internet or cloud based payment gateway.

Payment Gateways quick facts:

  • Certified to each processor
  • Certified for functionality, including card brand, transaction type, level III processing, contactless (Applepay for example) and even industry (retail, restaurant)
  • EMV requires a special certification: each credit card terminal is certified to each processor
  • Functions vary widely. Some are very much like desktop terminals but with data now web accessible, and others are intelligent platforms with a variety of merchant efficiency, security, and profit optimization benefits.

Payment gateway overview:

Each processor has their own gateway. For example, First Data Global GatewaySM  e4 or Paymentech Orbital® Payment Gateway. There’s also independent or third party gateways. For example, CenPOS or Third party gateways provide flexibility to change processors at will without disrupting operations, among other benefits. For all non-integrated solutions, the payment gateway manages the consumer facing terminal.

EMV Certified Terminal Confusion:

Semantics is a big problem surrounding EMV today. The hardware is first EMV level 1 and level 2 approved. Then the hardware has to be EMV certified to work with each processor. If there’s a gateway, the gateway has to certify each terminal to each processor. Marketing messages like ‘get you EMV ready’ and ‘EMV capable’ make it very unclear which solutions merchants can actually turn on and process an EMV transaction today vs get you capable to process in the future when certifications are complete. For this reason, merchants must be very specific in asking whether they can accept EMV transactions immediately for any solution purchased.

Payment gateways with certified US EMV terminals:

verifone MX915 EMV terminal

Verifone MX915 multilane signature capture terminal

  • CenPOS: Verifone MX 915, certified First Data, certified TSYS*, live now. Ingenico iSC 250 First Data soon.

* TSYS provides flexible connectivity options for all the big acquirers. By certifying to TSYS, merchants can use the certified solution with First Data, Paymentech, Moneris, Global, Heartland, Elavon and others.

Option two is a countertop or desktop terminal:

Verifone VX520 VX805 EMV terminal

Verifone VX520 with VX805 EMV terminal

Because the EMV transaction requires more memory than in the past, older countertop terminals cannot support EMV, even with an added pinpad. First Data has their own proprietary equipment; Verifone is one of the most popular brands for use with all acquirers, including First Data. Countertop terminals, and most gateways, do not support level III processing, critical for business to business merchants to lower merchant fees.

In summary, merchants can replace PCCharge with a universal payment gateway with certified EMV terminal, with a proprietary payment gateway that has certified EMV terminal, or with a countertop terminal, often with a separate EMV peripheral. It’s very important to ask any equipment supplier if they unit is certified for use today vs in the future.

Free and cheap EMV terminal

Verifone VX520 VX805 EMV terminal

Verifone VX520 terminal with VX805 EMV, NFC, debit pinpad.

Need a cheap EMV certified credit card terminal? For small business to consumer retail operations, new promotional prices range from $0 to $149, with a new merchant account. Which EMV terminals, who’s eligible and who are these terminals best for ?


  • FREE EMV terminal rental with new merchant account
  • $99 Verifone VX520 standalone contact
  • $149 Vx520 + Vx805 Pin Pad, supporting contactless EMV, NFC, pin debit
  • $49 Vx805 Pin Pad standalone


New customers only; new merchant account required for all promotional deals. For business to consumer retail customers only, including apparel, gift, and specialty retail stores. Exclusions: no restaurant, supermarket, travel agent or quickstop.


Small business consumer 100% retail operations with single store may be OK with this terminal, depending on volume and other factors. EMV should also be balanced with PCI. Businesses with mix of retail and MOTO, or that have corporate customers such as building supply or auto parts, are likely better served with other options. For other business types, and integrated POS with EMV, contact us for free consultation.

Free EMV terminals

emv smart card

EMV chip smart card.

Did your bank offer you a deal for $200 off an EMV terminal? Or another merchant services provider? Beware, everything that’s free comes with a price. Since there are so few terminals that are actually EMV certified, vs EMV capable terminals to accept chip cards, merchants can easily be pushed into the wrong solution for your business.

Distributors, manufacturers and any company that has a commercial account component (business to business), or that has a a mix of card not present and retail, should NOT use any desktop terminal. This will cost merchants a fortune in extra merchant fees that could be avoided with the right solution. Additionally, risk of increased losses from fraud could also rise.

Free terminals are not really free. The merchant account has to generate enough revenue to pay for it. If you were offered a free EMV terminal, we’ll price match your written offer, but more importantly, we’ll provide sound business advice for distributors, manufacturers, B2B, including HVAC and building supply companies.

We offer solutions that will work with your existing merchant account. Due to our many financial relationships, we’ll help you choose the best EMV terminal for your business needs, looking at the whole picture. 90% of merchant services salespeople only have one option, so that’s all they recommend, whether it’s the best or not.