Does this card link to one or multiple accounts?
Is any of those accounts debit? Global debit? (There's a difference.)
What authorization methods does the card's issuing bank support? For each account?
What authorization methods does the merchant's bank support?
Do those methods depend on the value of the transaction? Before or after tax? Before or after currency conversion?
Speaking of currency conversion ... no, actually let's not.
And if the chip read fails - rare, yes, but to certify the platform you have to develop, test and demonstrate the fallback mode - what are the answers to all those questions when swiping? Are the answers different when in fallback mode than when using an older card reader that doesn't support chip yet?
The implementation guides for this stuff run 400+ pages, and each party has their own guide: the merchant's bank, the payment processor, the card reader manufacturer. And the guides are updated twice a year, with changelogs each of the last few updates running 4-5 pages single spaced.
It would have been faster, cheaper and more secure to simplify the options, but no one wanted to give up their particular way of doing things, so we implemented all of them.
Is any of those accounts debit? Global debit? (There's a difference.)
What authorization methods does the card's issuing bank support? For each account?
What authorization methods does the merchant's bank support?
Do those methods depend on the value of the transaction? Before or after tax? Before or after currency conversion?
Speaking of currency conversion ... no, actually let's not.
And if the chip read fails - rare, yes, but to certify the platform you have to develop, test and demonstrate the fallback mode - what are the answers to all those questions when swiping? Are the answers different when in fallback mode than when using an older card reader that doesn't support chip yet?
The implementation guides for this stuff run 400+ pages, and each party has their own guide: the merchant's bank, the payment processor, the card reader manufacturer. And the guides are updated twice a year, with changelogs each of the last few updates running 4-5 pages single spaced.
It would have been faster, cheaper and more secure to simplify the options, but no one wanted to give up their particular way of doing things, so we implemented all of them.