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What & Why EMV? ........................................... 4Who’s Liable? .............................. 5POS Upgrade Paths ............................................6Dispenser Upgrade Paths .............................. 8Proper Site Connectivity .................................. 10Implementation Plan ........................................ 11Available Incentives & Financing ................12

TAbLE OF COnTEnTS

© May 2016 Petroleum Solutions, Inc.

The information contained within this guide is for informational purposes only. The principles discussed herein were accurate at the time these documents were drafted, but are subject to change. Please contact your local PSI Sales Representative for more information.

What & Why

Do you Speak EMV?

Stands for Europay, MasterCard, and Visa. EMV is a set of global standards for smart card payments and acceptance terminals.

E-M-VFraud liability shift – Visa, MasterCard, American Express, and Discover have

announced that on October 1, 2015, counterfeit fraud liability, which has traditionally been assumed by the card issuer, will be absorbed by the party that does not enable EMV during the fraudulent transaction.

Dip/Dipping – Instead of swiping a card, customers insert an EMV card into the POS terminal, much like an ATM. Inserting the card and removing it is called “dipping.”

Dynamic Data or Dynamic code – EMV cards generate a “dynamic code” which means the security code changes for each transaction. That way, if a card is copied or compromised, the data

cannot be used to make multiple transactions. In contrast, the data transmitted by magnetic stripe cards never changes and, once compromised, can be used over and over for countless fraudulent transactions.

Tap & Pay or Wave – When using a contactless card, there is no dipping. The card is “tapped” or

“waved” against the POS terminal. One quick tap establishes connection and verifi es authorization.

Chip & Pin – EMV payment cards are commonly referred to as “chip & pin” cards because the chip card is often coupled with a PIn code for advanced security.

* * * *

Reduce chargebacks

Improved payment security through the use of “contact” and “contactless” chip

technology using dynamic data authentication (DDA)

Prepare for near Field Communication (nFC)

based mobile payments

Don’t let yourself become a target!

As of 2011, the payment card industry announced the EMV migration to the U.S. Over the next couple of years all businesses will be required to upgrade to EMV technology. The longer you wait, the more susceptible you are to thieves.

Here’s a quick guide to some of the terms used.

EMV

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The party that is the cause of a chip-on-chip transaction not occurring (i.e. the issuer or the merchant) could be fi nancially liable for any resulting card-present counterfeit fraud losses.

Liability shift for any in-store POS fraudulent transaction on non-EMV compatible terminals.

October 1st 2015Forecourt liability shift for fraudulent transactions on non-EMV compatible terminals.

October 1st 2017

FRAUD LIABILITY SHIFT

A chip card is used at a magnetic stripe only terminal.

RULE 2

If the purchase is a counterfeit transaction the

merchant generally holds liability, because the issuer has made the investment

in chip technology to make transactions more secure while the merchant did not invest in upgrading to chip technology.

A traditional magnetic stripe card is swiped by the customer at a magnetic stripe terminal.

RULE 1

If the purchase is a counterfeit transaction the

merchant is generally not liable, just like today.

A chip card is used at a chip-enabled terminal that has

been activated by the merchant.

RULE 3

If the purchase is a counterfeit transaction the

merchant is not liable, and the issuer will continue to bear the

responsibility of counterfeit fraudulent activity.

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Gilbarco Passport POS Systems

Verifone Ruby2 w/Commander POS

Verifone Topaz w/Commander POS

Upgrade Software & Pin Pad(Ingenico iSC250/iPP320 Pin Pad)

*Requires PX52 Motherboard *MX915 PinPad required - Shell branded Sites

POS UPGRADE PATHS

Upgrade Software & Pin Pad(MX860 & newer pin pads)

Upgrade Software & Pin Pad(MX860 & newer pin pads)

For EMV CompatiblePOS Systems

*Passports v.8.00 & prior requires enhanced Dispenser Hvb (EDH)

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For Non-EMV Compatible POS Systems

non-EMV Compatible POS Systems will need to be replaced.

We recommend replacing your system with the following...

Ask your local PSI Offi ce if you’re unsure about the compatibility of your system.

Upgrade to the Passport PX60

Upgrade to the Ruby2 w/Commander

Upgrade to the RubyCi

• nFC Compatible iSC250 PIn Pad• Ultra-Fast Processor is 13x More Powerful• All-in-One Design Frees Up Space• Version 10 – Designed and Ready for EMV

• Same software and features as Topaz• Enhanced UI, Processor, Memory and Display• Verifone Integrated Promotions• Encore 700S Loyalty Support

• All of the Commander and Ruby2 features• Optimized to support up to 16 fueling

positions and 3 POS workstations• Great value and easy installation for low

volume sites

Verifone Sapphire Wayne nucleusWayne nucleus Other non-EMV

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GilbarcoDispensers

DISPENSER UPGRADE PATHS

new Gilbarco 700S Dispensers purchased with the upgraded EMV Hybrid Card Reader (HCR), will only need to upgrade CRIND Software before October 1st 2017.

new Encore 700S Dispensers

Existing Encore 700S Dispensers

Existing older model Gilbarco Dispensers will need to be upgraded with a FlexPay II Retrofi t Kit & upgrade CRIND Software or will need to be replaced, depending on age.

Gilbarco Advantage, 300, 500 & Encore S Dispensers

stst

All existing Gilbarco 700S Dispensers need to upgrade CRIND Software & Card Reader before October 1st 2017.

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Existing Wayne or Tokheim Dispensers

Hardware Upgrade:

Software Upgrade:

Upgrade CRInD with Secure PumpPAY Retrofi t Kit (SPP),

Upgrade CRInD Software

Wayne Ovation Wayne Vista Tokheim Premier b/C

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Compared to magnetic stripe transactions, EMV transactions require 10x more data transfer and much higher back-and-forth messaging between CRInD and POS. Therefore, enhanced site wiring is required to support EMV connectivity.

PROPER SITE CONNECTIVITY

• Less noise interference• Protects circuitry against lightning• better long distance transmission

WHY TWISTED PAIR?(vs. standard 2-wire for media/EMV communications)

Recommended Wiring to Support Media/EMV Connectivity

EXISTING SITE WIRING NEW SITE WIRINGLarge sites> 280ft from farthest dispenser to back room.

Unshielded Twisted Pair Use Existing 2-wire**(non-Twisted - OnLY if

already pulled)

n/A Unshielded Twisted Pair n/A

Small/Average Sites< 280ft from farthest dispenser to back room

Unshielded Twisted Pair Use Existing 2-wire**(non-Twisted - OnLY if

already pulled)

CAT5e/6*** Unshielded Twisted Pair CAT5e/6***

Hardware Requirements:

bRCM* (backroom Command Module)

DCM* (Dispenser Command Module)

1. bRCM (backroom Command Module)2. DCM (Dispenser Command Module)

3. TbM2 (If shared twisted pair)

ROUTER 1. bRCM (backroom Command Module)

2. DCM (Dispenser Command Module)3. TbM2

(If shared twisted pair)

ROUTER

OR

**If using 2-wire (non-twisted pair), a test should be done to determine successful connectivity. To do so, temporarily connect the dispenser with the longest run and verify connectivity via the bRCM’s webserver. If this fails, you will need to pull new twisted pair wiring.

* The bRCM and DCM are needed to covert twisted pair/2-wire to Ethernet Protocol

OR

OR OR

OR

OR

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*** If using CAT5e/6 wiring, a switch is needed with ports equal to or greater than the number of dispensers on site.

EMV IMPLEMENTATION PLAn

TIP: Evaluate current forecourt and POS equipment capabilities and the availability of equipment and service providers. The key thing is to conduct an age assessment of dispenser payment terminals – are they 5 years old, 10 years old, 20 years old? This may help determine which upgrades will have to take place.

Start today – It’s a Long Road1. Consider an EMV site survey to check your site connectivity and obtain all necessary equipment information.2. Conduct an age assessment on your equipment to determine what can be retrofi tted and what needs to be

replaced.3. Check with your fuel brand or network to see if they off er incentives for equipment upgrades and if they have

established a time frame for rolling out EMV-ready software.4. Work closely with your Distribution Partners to create a ‘shopping list’ to avoid manufacturing constraints and

potentially extended lead times.5. Plan a schedule with your Service Providers to avoid technician shortages.

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Schedule a Site Survey Conduct an Age Assessment

Check with your Fuel Brand/Network Contact Distributor Partners Choose a Service Provider

AVAILAbLE INCENTIVES &FINANCINGOPTION #1: branded Dispenser & POS bundles

This program off ers site savings of up to $7,000 or more than $280 per month with fi nancing rates as low as 2.9% for combined Encore 700S and Passport orders. Orders must be submitted by May 31st 2016.

(Shell, CITGO, ExxonMobil, Marathon, Phillips66, Conoco, Gulf)

OPTION #2: branded Passport Trade-In Promos

This program off ers discounted pricing for trading in an existing POS system. Orders must be submitted by May 31st 2016.

(Shell, ExxonMobil, Phillips66, Conoco, Sunoco)

OPTION #3: Passport PX60 Trade-Up Program

This program off ers customers with existing Passport PX51 and/or PX52 systems to trade-in their current POS equipment for the new PX60 All-in-One platform at a discounted price.

TIP: Take action now! Signifi cant manufacturer incentives & fi nancing available NOW to help off set costs of upgrades! Many manufacturer programs expire at the end of the year.

OPTION #4: Available Equipment Financing through Patriot Capitol• 100% of all Soft Costs can be included in Equipment Financing

(Installation, Freight, Sales Tax and Maintenance)

• Up front, initial ‘Out-Of-Pocket’ expense is only two monthly payments in advance

• Keep your Cash, aka ‘Conserve your Capital’

• Keep your Primary Lines of Credit free to invest in growth

• Equipment Financing interest rates are fi xed, not variable

• The equipment acts as collateral, with no additional liens or covenants attached to the loan

*There are specifi c requirements to qualify for Program Incentives. Ask your local PSI Sales Representative if you qualify.

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Abilene:1632-b Vision Dr.Abilene, TX 79602325-676-2371888-676-2371

Austin:1804 Smith RoadAustin, TX 78721512-278-1000800-765-5492

Beaumont:2484 W. Cardinal Dr. Ste #1beaumont, TX 77705409-842-0007888-480-3814

Corpus Christi:125 AirportCorpus Christi, TX 78405361-882-3077866-882-3077

DFW – Grand Prairie:1362 W. Carrier ParkwayGrand Prairie, TX 75050972-314-2400888-744-0061

Houston:2700 Aldine benderHouston, TX 77032281-449-4027888-480-3814

RGV – McAllen:3702 S. Expressway 281Edinburg, TX 78542956-686-9582800-880-9582

San Antonio:14833 bulverde Rd.San Antonio, TX 78247210-661-2489800-456-7460

Temple:2305 E. AdamsTemple, TX 76501254-770-0440800-765-5492

Tyler:12907 Hwy 155 STyler, TX 75703903-535-9595888-279-9595

Victoria:2706 Delmar DriveVictoria, TX 77901361-573-7449888-480-3405

Questions?Contact your Local PSI Offi ce

www.petsolinc.com800.880.9582