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.
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