Canadian Card Technical Acceptance

Publication Date: September 2018

This white paper was developed by the U.S. Payments Forum to provide guidance and clarification to merchants, acquirers, point-of-sale (POS) terminal vendors and POS solution integrators on application selection logic used by U.S. POS terminals to avoid certain interoperability issues when processing Canadian cards.  It also proposes optional use of “Preferred AID Logic” for debit co-badged cards on U.S. POS terminals, where guidance for a preferred AID has been provided by all applicable payment networks.  The solution outlined in this document is payment network agnostic and includes possible adjustments to the Preferred AID selection intended to accommodate the possibility of changes in issuer business arrangements.

The Forum is providing this guidance to help prevent transaction processing issues due to incorrect AID selection for Canadian cards resulting in failed transactions.  The guidance covers the processing of Canadian contact EMV cards only at a U.S POS terminal.  It does not address and is not intended to address U.S. contactless POS and contact/contactless ATM terminals.

Please note: The information and materials available on this web page (“Information”) is provided solely for convenience and does not constitute legal or technical advice. All representations or warranties, express or implied, are expressly disclaimed, including without limitation, implied warranties of merchantability or fitness for a particular purpose and all warranties regarding accuracy, completeness, adequacy, results, title and non-infringement. All Information is limited to the scenarios, stakeholders and other matters specified, and should be considered in light of applicable laws, regulations, industry rules and requirements, facts, circumstances and other relevant factors. None of the Information should be interpreted or construed to require or promote the establishment of any solution, practice, configuration, rule, requirement or specification inconsistent with applicable legal requirements, any of which requirements may change over time. The U.S. Payments Forum assumes no responsibility to support, maintain or update the Information, regardless of any such change. Use of or reliance on the Information is at the user’s sole risk, and users are strongly encouraged to consult with their respective payment networks, acquirers, processors, vendors and appropriately qualified technical and legal experts prior to all implementation decisions.

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