U.S. Automated Fuel Dispenser Chip Fallback Transaction Processing Best Practices

Publication Date: June 2020

Fallback transactions are considered a natural part of EMV migration as things get up and running.  It’s critical that petroleum terminals can support these types of transactions, and that fuel pump owners understand what does and doesn’t qualify as a fallback. The petroleum environment has a lot of unique considerations.  This white paper provides essential guidance on options for supporting fallback transactions in the petroleum environment. The white paper defines fallback and covers processing magnetic stripe transactions for card programs that are not supported on the contact EMV interface of automatic fuel dispenser (AFD) terminals.

This white paper covers:

  • Definitions of fallback transactions including technical fallback, empty candidate list fallback, fallback-not-allowed scenarios and identification of fallback transactions
  • Unique considerations for AFD fallback
  • Payment network policies for AFD technical fallback
  • Options for processing empty candidate list scenarios when the terminal is only enabled for certain EMV payment products but not yet for all magnetic-stripe-supported payment products, such as fleet payment products

Please note:  The information on this web page is intended solely as a convenience for its readers and does not constitute legal or medical advice, or supersede the advice, recommendations or requirements of relevant governmental or health authorities. Readers are cautioned to comply with all such authorities.  All warranties of any kind are disclaimed, including but not limited to warranties regarding the accuracy, completeness, effectiveness or adequacy of information herein.  Merchants, issuers and others are strongly encouraged to consult with the relevant payment networks, vendors and other stakeholders prior to implementation of any changes to current payment processes.

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