U.S. Payments Forum Contactless Resources: Implementation Considerations and Clarifications

The U.S. Payments Forum conducted a contactless survey with Forum members and identified a number of contactless implementation considerations that required clarification.  The table below provides recently-published resources that provide guidance when implementing contactless payments in the U.S.

Category Implementation Consideration/ Clarification Resource
Incorrect Terminal Configuration MSD contactless vs. EMV contactless technology mismatch Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
Incorrect Terminal Configuration Terminal capabilities mismatch Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
Incorrect Terminal Configuration Offline terminal declines Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
Incorrect Terminal Configuration Offline Data Authentication (ODA) failures Planned to be addressed in ODA webinar by Forum Communications & Education Working Committee
Transaction Data Quality POS Entry Mode mismatch Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
Transaction Data Quality Missing PSN Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
Transaction Data Quality Issuer Discretionary Data corruption Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
Hardware Contactless antenna proximity Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
User Experience Physical terminal placement Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
User Experience Available Cardholder Verification Method (CVM) options Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
User Experience Employee awareness Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
User Experience Signage on/around terminals Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
User Experience Additional or unnecessary prompts U.S. Payments Forum white paper – “Optimizing Transaction Speed at the POS2
Merchant Considerations Wallet identification Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations1
Testing Clarification on Level 3 testing requirements U.S. Payments Forum white paper – “EMV Testing and Certification: Current Global Payment Network Requirements for the U.S. Acquiring Community3


1
Secure Technology Alliance white paper – “Contactless Payments:  Proposed Implementation Recommendations,” https://www.securetechalliance.org/publications-contactless-payments-proposed-implementation-recommendations/

2US Payments Forum white paper – “Optimizing Transaction Speed at the POS,” https://www.uspaymentsforum.org/optimizing-transaction-speed-at-the-point-of-sale/

3U.S. Payments Forum white paper – “EMV Testing and Certification: Current Global Payment Network Requirements for the U.S. Acquiring Community, https://www.uspaymentsforum.org/emv-testing-and-certification-white-paper-current-global-payment-network-requirements-for-the-u-s-acquiring-community/

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