POS Terminal Capabilities Terminal Type - chuwuwang/ReadingNote GitHub Wiki

Understanding Terminal Types

When selecting a card reader, or before starting a Level 3 EMV certification, it’s important to know what kind of EMV terminal you will be supporting. The EMV Specs define fifteen different terminal types, depending on whether the payment environment is attended (such as in traditional retail) or unattended (e.g., a self-service kiosk), and whether the terminal goes online or stays offline, plus other factors. The terminal types defined by EMV are shown in the table below, which is taken from Annex A of EMV Book 4:

There are the following types of terminals:

Type 11 is a bank terminal attended by the bank, e.g. cash dispensing/reception outlet in a bank’s office. Online only. I.e. the authorization requires the online exchange of data with the bank.

Type 12 is a bank terminal attended by the bank, offline, suitable for online exchange. I.e., in some cases a terminal can authorize a transaction without exchanging with the bank (in reality, due to high risks the banks situated in the Russian Federation choose not to perform offline transactions).

Type 13 is a bank terminal attended by the bank, offline only. In reality, there are no such terminals within the Russian Federation.

Type 14 is a bank terminal unattended by the bank, online only. I.e. the authorization requires the online exchange of data with the bank.

Type 14 is none other than the automated teller machine (ATM) well known to all.

Type 21 is a trading terminal attended by the RSO, online only. I.e. the authorization requires the online exchange of data with the issuer.

Type 22 is a trading terminal attended by the RSO, offline, suitable for online exchange. I.e., in some cases a terminal can authorize a transaction without exchanging with the issuer (in reality, due to high risks the acquirers situated in the Russian Federation choose not to perform offline transactions).

Types 21 and 22 are the terminals in the RSOs well known to all.

Type 23 is a trading terminal attended by the RSO, offline only. In reality, there are no such terminals in their pure form within the Russian Federation.

Type 24 is a trading terminal unattended by the RSO, online only. I.e. the authorization requires the online exchange of data with the issuer.

Type 25 is a trading terminal unattended by the RSO, offline, suitable for online exchange

Type 26 is a trading terminal unattended by the RSO, offline only.

Type 24, 25 and 26 is a large cluster of payment devices including automated gas stations, toll roads and parking, ticket-vending and other-vending machines, turnstiles, etc. Consideration of each of them is beyond this article.