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Quick chip

Use quick chip to reduce the waiting time for shoppers at checkout.

In the United States, our terminals support quick chip. This feature allows shoppers to present and remove their EMV chip cards before all the goods have been scanned. The payment terminal does not need to wait for the final transaction amount or the authorization response to allow shoppers to remove their card. This speeds up the transaction processing and reduces the waiting time for shoppers.

Requirements

Before you begin, take into account the following requirements, limitations, and preparations.

Requirement Description
Integration type A Terminal API integration with payment terminals on software version 1.95 or later.
Limitations The quick chip feature is only available in the United States.
Setup steps To enable quick chip, contact our Support Team. Optionally, you can ask them to enable quick chip for specific local payment methods.

How it works

  1. You make a card acquisition request to get the card details with a placeholder value for the TotalAmount.
  2. The shopper presents their card.
  3. The terminal informs the shopper to remove their card.
  4. You process the details from the card acquisition response in your own system.
  5. You make a payment request with the final TotalAmount to complete the transaction.

Get the card details

  1. Make a card acquisition request, specifying:

    • The standard SaleToPOIRequest.MessageHeader object, with MessageClass set to Service and MessageCategory set to CardAcquisition.

      Parameter Required Description
      ProtocolVersion -white_check_mark- 3.0
      MessageClass -white_check_mark- Service
      MessageCategory -white_check_mark- CardAcquisition
      MessageType -white_check_mark- Request
      ServiceID -white_check_mark- Your unique ID for this request, consisting of 1-10 alphanumeric characters. Must be unique within the last 48 hours for the terminal (POIID) being used.
      SaleID -white_check_mark- Your unique ID for the POS system component to send this request from.
      POIID -white_check_mark- The unique ID of the terminal to send this request to. Format: [device model]-[serial number].

    • The CardAcquisitionRequest object with:

      Parameter Required Description
      SaleData.SaleTransactionID -white_check_mark- An object with:
      • TransactionID: Your reference to identify a payment. We recommend using a unique value per payment.
      • TimeStamp: The date and time of the request in UTC format.
      SaleData.TokenRequestedType Customer. Returns the card alias in the TokenValue field of the response. Note that the card alias is always returned in the AdditionalResponse.
      CardAcquisitionTransaction -white_check_mark- A required object that can be empty or contain TotalAmount with the transaction amount. For quick chip, this can be a placeholder value if you do not know the final amount yet.

  2. When you receive the CardAcquisitionResponse:

    • Check that the AdditionalResponse contains a message of CARD_ACQ_COMPLETED.
    • From the POIData.POITransactionID object, save the TimeStamp and the TransactionID. You need these card acquisition details in your payment request.

Make a payment request

To complete the quick chip transaction, make a payment request with a reference to the card acquisition:

  1. Make a payment request, specifying:

    • The standard SaleToPOIRequest.MessageHeader object, with MessageClass set to Service and MessageCategory set to Payment.

      Parameter Required Description
      ProtocolVersion -white_check_mark- 3.0
      MessageClass -white_check_mark- Service
      MessageCategory -white_check_mark- Payment
      MessageType -white_check_mark- Request
      ServiceID -white_check_mark- Your unique ID for this request, consisting of 1-10 alphanumeric characters. Must be unique within the last 48 hours for the terminal (POIID) being used.
      SaleID -white_check_mark- Your unique ID for the POS system component to send this request from.
      POIID -white_check_mark- The unique ID of the terminal to send this request to. Format: [device model]-[serial number].

    • The PaymentRequest object with:

      Parameter Required Description
      SaleData.SaleTransactionID -white_check_mark- An object with:
      • TransactionID: your reference to identify a payment. We recommend using a unique value per payment.
      • TimeStamp: date and time of the request in UTC format.
      SaleData.SaleToAcquirerData Depending on your use case, you may need to provide tender options or additional data here, or a flag for tax free shopping.
      PaymentTransaction.AmountsReq -white_check_mark- An object with:
      • Currency: the transaction currency.
      • RequestedAmount: the final transaction amount.
      PaymentData.CardAcquisitionReference -white_check_mark- An object referring to the card acquisition:
      • TimeStamp: the time stamp returned in the POIData.POITransactionID of the card acquisition response.
      • TransactionID: the transaction ID returned in the POIData.POITransactionID of the card acquisition response.

    Here is how you make a payment referring to a card acquisition that had a TimeStamp of 2023-10-18T07:57:49.108Z and a TransactionID of 8ha5001697615869002.

  2. In the PaymentResponse note the following:

    • PaymentInstrumentData.CardData: The same card details that you received in the card acquisition response.
    • Response.AdditionalResponse: Transaction data, including the same details that you received in the card acquisition response. You receive either a string of form-encoded key-value pairs or a Base64 string that you need to decode to get a JSON object.

    If the Response.Result is Success, the quick chip payment was successful.

See also