EMV payment firm? Level 3 EMV-Certified Smart Terminal – For businesses looking for a simple, intuitive payment application, our Smart Terminal is ideal. It communicates with our Virtual Terminal which logs all the transaction information that a traditional terminal would print out. Both proprietary to PayJunction, the pair streamlines your business workflow and covers your EMV needs. Open API for Easy Integration – Non-generic payment applications are able to integrate with our software and equipment to pass testing for level 3 compliance. This eliminates the need for individual testing and speeds up the availability of EMV certified terminals to businesses using customized applications.

EMV Authorization Methods In addition to using the card in the merchant’s terminal to make a purchase, Chip and Signature requires a written signature like magnetic stripe transactions. Chip and PIN is used for debit cards and may also be used for credit cards. See smart card and gold chipped supercomputer.

This requires the terminal to perform many stages of complex processing, including cryptographic authentication, to successfully complete a transaction. This means that adding support for EMV to existing payment applications can be a daunting task. For more information on the main processing steps required in an EMV transaction, please review this diagram showing a typical EMV Transaction Flow.

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