Lightspeed OnSite
for chip cards

A simple and secure switch to EMV and Apple Pay

What is EMV?

What is EMV?

If you’ve been following recent retail news, then you’re probably aware of the big change in the world of payments technology - the shift towards a more secure standard for credit cards, EMV. As U.S. retailers, this means that if you haven’t upgraded your payment devices to support EMV technology, you (instead of your bank) will be held liable for any fraudulent charges made in your store on EMV-compliant cards (also known as “chip cards”). This rule came into effect October 1, 2015.

Learn more about how to prepare your business for the switch to EMV and protect yourself against credit card fraud. Get our free EMV and Mobile Payments eBook.

What if you don’t adopt EMV?

The U.S. has been plagued with the highest credit card fraud rate in the world for the last five years. Largely due to the lack of EMV regulations, 47% of all card fraud occurs in the U.S. (yet only 24% of global credit card transaction volume occurs here). Traditional magnetic cards have static data that can be easily cloned and lead to fraudulent transactions. By switching to chip cards, you.
- Decrease your exposure to counterfeit cards: the microchip in chip cards is virtually impossible to duplicate, as it creates a unique impression each time it’s used
- Increase customer confidence with more secure processing
- Reduce operational costs resulting from fraud
- Join the rest of the world’s retailers in the fight against payment card fraud and adopt the new way to pay

Small chip, more security, and we’re ready

In order to ensure that your store is protected, our development team is currently working on officially supporting both EMV and NFC-based payments, including Apple Pay, Samsung Pay, and Android Pay.

We will officially support EMV and Apple Pay with the release
of Lightspeed OnSite 2015 2.2 in July 2015.

Equip your store with
the right terminal

Cayan's Genius terminal is currently the only official payment terminal capable of supporting EMV and NFC-based payments, like Apple Pay, with Lightspeed OnSite. We will continue to support all current integrated methods (Heartland, Axia, and Authorize.net) for magnetic stripe payments, but will not offer EMV compliance or NFC payments with these processors.

What about Apple Pay? By upgrading to the Cayan Genius terminal you’ll also be able to run Apple Pay transactions. Simply call into Cayan at 1-855-276-1566 with the serial number of your Genius device.

Like EMV, Apple Pay is only officially supported on OnSite 2015 2.2 and later

Making the switch

Your transition should be simple and secure, just like EMV. We’ve outlined next steps to ensure you’ll be ahead of the game and ready to accept EMV payments.

I’m currently using Cayan as a processor or gateway

If you do have a Genius terminal, both Lightspeed and Cayan’s support teams are ready to help you prepare for EMV and Apple Pay with your Lightspeed OnSite deployment – give us a call at 1-866-932-1801!

If you don’t yet have a Genius terminal, please reach out to your Cayan representative at 1-855-273-4164 or by sending an email to EMV@cayan.com

I’m not using integrated payments

Opting for integrated payments allows your payment terminal to “talk” directly to your POS. This helps speed up check-out times and reduce human error during check-out because your staff will no longer need to enter the transaction amount on the payment device. In some cases, integrated payment can even reduce your payment processing rates. By selecting a integrated payment terminal, like Cayan, getting set up is fast, simple, and secure.

For more information, please contact a Cayan representative at 1-855-276-1566 or send an email to referrals@cayan.com.

I’m not using Cayan

If you’re currently using a different payment provider, you have two options for integrated payments:

1. Switch to using Cayan as your processor. Cayan is our recommended processing partner for offering a seamless integrated payment experience, as we have extensively tested their EMV and NFC capabilities. Watch this quick video about Cayan and EMV.

2. Use Cayan as a gateway (additional fees may be incurred), and then use your choice of processor. Not all processors are supported, please check with Cayan regarding what processors they support for EMV.

For more information, please contact a Cayan representative at 1-855-276-1566 or send an email to referrals@cayan.com.

Cayan and Lightspeed POS

Through our partnership, Cayan is offering a lowest-cost guarantee and a “meet or beat” policy. This means that if you currently use another processor or are offered a lower rate later on, you can send it to your Cayan account representative and it will be matched or beaten.

Cayan has been in business since 1998 and has a strong reputation as an innovative and world-class provider of payments solutions. In addition to EMV, Cayan supports point-to-point encryption and tokenization with all Lightspeed products, giving you a critical extra layer of anti-fraud support. The company currently holds an A+ rating from the Better Business Bureau. Lightspeed has been working with Cayan for many years and is proud to have Cayan as a preferred payment solution in the United States.

To learn more about Cayan and EMV - watch this webinar or get in touch with them directly at 1-855-276-1566 or referrals@cayan.com


EMV: Going Mobile?

Presently there is no supported hardware to process EMV payments on Lightspeed Mobile or Lightspeed for iPad. If you wish to use these devices for processing EMV payments, we recommend handing off invoices from your iPad/iPod to your OnSite station to complete the EMV payment process.

WE’RE HERE TO HELP

Change can be confusing, especially in the world of payment technology.

If you have any questions, please send an email to onsite-emv@lightspeedpos.com or contact us at 1-866-932-1801