Posted by Dawn Dawning, Training Specialist
Yet another way to prepare for social distancing at POS is to eliminate the need for customers to enter a PIN or to capture a signature when processing card payments through your EMV payment devices.
Disabling the Signature Capture Required Threshold in TAM
This is accomplished by defining a threshold at which signature capture is required in TAM. Important! Before changing these thresholds or disabling signature capture, always check with your financial institutions for the applicable threshold requirements (both bank and governmental). There may be liability implications to changing this threshold amount. If the merchant allows the cardholder to bypass their signature, then fraud liability might shift back to you, the merchant.
The threshold amount should be set to your specific financial institution’s current and on-going guidelines. Adjusting the threshold per the above instructions will automatically by-pass the capturing of the customer’s signature for all credit card payments under $9,999.
Disabling Pin for Shift4 Merchants
This is accomplished by enabling an option to bypass PIN entry, typically set by communication with the payment card middleware. Important! Before changing this option, always check with your financial institutions for PIN entry requirements (both bank and governmental). There may be liability shift implications to enabling this option if the issuer has provided the card a higher level of EMV authentication by enabling PIN. If the merchant allows the cardholder to bypass entering their PIN, then the fraud liability might shift back to you, the merchant.
Disabling PIN Bypass in Shift4 is done via several steps in the Lighthouse Transaction Manager portal. Changing the option is described on page 7 of the using emv devices with shift4.pdf document available from Shift4. If you do not have this PDF document, it can be download by clicking here or viewed below. To disable:
Disabling “OK” prompt for Shift4 Merchants
This is accomplished by disabling a setting within the Shift4 UTG software that will bypass the “Ok” verification prompt.
Keep in mind that disabling any EMV security feature may put your organization at a higher risk for potential incidents of fraud to occur. TAM cannot be held responsible for fraudulent transactions that may be processed.
Remember, we are all in this together. Stay healthy and safe. As always, if you have any questions relating to this post, please contact the Help Desk at 866-435-7826 or by email at email@example.com.