EMV Help is Here.

In the fast-paced world of payments, knowing where to start can be a challenge. Here is a list of common questions about EMV and our work.

  • What is EMV?

    EMV is an abbreviation for Europay, Mastercard and Visa, the three founding organizations that developed a set of specifications for interoperable chip-based payment cards and terminals.  EMV chip cards contain embedded microprocessors that provide stronger security than that of magnetic stripe cards. Today, EMVCo manages, maintains and enhances the EMV specifications. EMVCo’s members also include American Express, Discover, JCB, Interac, China Union Pay, among others.

  • What is RevChip?

    RevChip is a comprehensive, fully featured EMV Level 3 payment application that operates on a variety of hardware models from leading terminal manufacturers.  An EMV Level 3 payment application – in combination with EMV Level 1 hardware and an EMV Level 2 kernel – is used to achieve an end-to-end certification required before an EMV field deployment.

  • What makes RevChip different?

    RevChip is unique in its portability across hardware platforms and its access to low level device commands, which unlock extensive features and functionality.  Unlike many EMV solutions, RevChip allows multiple software programs to run on one device.  RevChip carries no transaction fees and provides customers with a wide choice of hardware, processor and service options.

  • What devices does RevChip run on?

    RevChip runs equally on the countertop and PIN pad devices of major manufacturers.  RevChip also ports to new acceptance devices as they become available in the market. Check our Product page for the latest compatible hardware list.

  • Does RevChip work on devices using dial connectivity?

    Yes. RevChip works for devices connecting via Dial, IP, Wi-Fi and GPRS.

  • Does RevChip allow magnetic stripe card transactions?

    Yes. RevChip runs mag stripe, EMV and NFC transactions.

  • Does RevChip work with Apple Pay?

    Yes. RevChip supports NFC & MST transactions like those initiated by users of Apple Pay, Samsung Pay and Android Pay.

  • Does RevChip connect to POS systems?

    Yes. RevChip connects to any POS system through a semi-integrated configuration.  POS developers can use the RevChip SDK integrate to RevChip within hours.

  • What is the RevChip SDK?

    The RevChip Software Developer Kit (SDK) is a set of documentation, sample code and system infrastructure that enables software developers to interface their POS software directly to RevChip via XML APIs.

  • Can developers test in RevChip’s sandbox environment?

    Yes. When a developer is provisioned with a RevChip SDK account, simulation tools, sample code and support resources are made available.

  • What is a semi-integrated configuration?

    Semi-integrated configurations remove POS systems from the flow of credit card data.  The POS system simply sends non-sensitive data and commands to the EMV Level 3 payment application which securely handles all card data and exchanges transaction messages with the authorization processor. Some semi-integrated configurations use a middleware layer and require special hardware to be purchased.

  • Does RevChip require middleware?

    No. RevChip removes the limitations, cost and dependencies introduced by an extra middleware layer.

  • Does RevChip require special hardware?

    No. RevChip resides directly inside the terminal or PIN pad device without the need for external hardware.

  • What is an “out-of-scope” payment solution?

    The Payment Card Industry Payment Application Data Security Standard (PCI PA-DSS) applies to software vendors and others who develop payment applications that store, process, or transmit cardholder data and/or sensitive authentication data.  As an “out-of-scope” payment solution, RevChip eliminates a software vendor’s access to sensitive cardholder data, which means that the PCI PA-DSS standard no longer applies.

  • With RevChip, are transaction fees charged?

    No. RevChip communicates to any processor or gateway directly from the terminal or PIN pad device without applying a transaction fee.

  • What are Add-Ons?

    Add-ons are additional software applications that run side-by-side with RevChip inside the same terminal or PIN pad.  Common Add-ons include gift, loyalty and patron enrollment programs.  New programs being brought to market such as card-linked offer redemption and Apple Pay Rewards require Add-ons. Many EMV Level 3 payment applications do not permit other programs to operate on the device.

  • Can new or customized Add-ons be created?

    Yes!  RevChip has been specifically designed to enable the rapid development of Add-ons. When new merchant programs come to market or proprietary requirements arise, Add-ons can be quickly deployed into the field.

  • What is a terminal management system?

    A terminal management system (TMS) is proprietary software provided by a device hardware manufacturer and used by a merchant acquirer. A TMS enables the highly secure loading and updating of software residing on a manufacturer’s hardware.

  • What is Estate Control?

    Estate Control is a centralized monitoring system that performs periodic checks on RevChip placements in the field. Estate Control connects tightly to terminal management systems to ensure that the security and software of field devices is always kept current.

  • How do I purchase RevChip, Add-ons and Estate Control?

    Acquirers and POS developers can Get Started today.  If you are not an acquirer or POS developer, please Contact Us.

  • Where can I get more information on EMV?

See How RevChip Works for You