Card brands introduce ongoing technical and business enhancements that may affect the way you accept card payments. As a merchant, you are required to follow the procedures set by them. These enhancements may require you to review your operating procedures, and modify them as necessary by the required implementation date. Below is a list of current compliant releases.
December 2018 – UnionPay BIN Changes
Effective December 31, 2018, UnionPay International (‘UnionPay’) is introducing a new series of Bank Identification Numbers (BINs) that begin with ‘81’ (e.g., 810000-817199), as well as expanding all BINs to eight digits (‘8-digit BINs’). To avoid any disruption to your business, you will need to apply the following updates to your systems.
If you are using a Moneris® standalone payment solution, you are required to:
Activate UnionPay 81 series BIN changes on your POS device(s) by reinitializing your terminal. In the event that you do not re-initialize your device by December 31, 2018, the terminal will prompt you to do so.
If you are using a Moneris® integrated or ecommerce payment solution, you are required to:
Contact your integration partner, web developer and/or internal IT department to test your payment application and confirm the POS is certified by the December 31, 2018 deadline.
Moneris has made UnionPay 81 series and 8-digit BINs available in the production environment for POS testing.
As per UnionPay card acceptance policies:
All point-of-sale terminals must support the UnionPay 81 series BIN standards.
Both card present and card-not-present POS environments (including hard-coded ecommerce sites) must be equipped to recognize and process 81 series BINs, following the same logic and handling as transactions made with Primary Account Numbers (PAN) in the ‘62’ series today.
Back office reporting systems must be able to recognize 8-digit BINs in all occurrences where the 6-digit BINs used by card brands today are reported.
UnionPay will be monitoring BIN acceptance rates and may impose non-compliance assessment fees to businesses that are unable to accept 81 series and 8-digit BIN cards by the December 31, 2018 deadline.
For businesses using a standalone payment solution, please contact the Moneris Support Center at 1-866-319-7450 with your questions. If you are using an integrated payment solution, please contact your POS integration partner for assistance with re-initializing your payment processing application(s).
April and October 2018 – Visa and Mastercard Payment Security Changes (UPDATED April 2018)
On April 12, 2018, Visa® and Mastercard® implemented policy changes to improve card security and further reduce fraudulent transactions and chargebacks in Canada. This will impact the way merchants accept card present (CP) and card not present (CNP) payments for domestic and international transactions.
Fallback (Visa and Mastercard)
Visa and Mastercard are enacting a ‘no fallback’ policy for CP transactions, which means that merchants will need to request an alternate method of payment if a customer’s Chip & PIN transaction fails, as the