EMV Overview

Breadcrumb has launched our EMV solution with release 2.7.3. This solution will provide support for chip enabled credit cards, and will use the chip & signature (as opposed to chip & pin) approach to capturing payments.

Breadcrumb has worked to ensure that there is as little disruption as possible to your current payment practices. We have made a few small changes to payment flows to comply with the security requirements that come with chip card processing.

You must keep the iPad's built-in swiper in addition to the EMV reader. The swiper must be used for Gift Cards and as a fall back if you are in Offline Mode or if the EMV reader is lost, broken or otherwise not available. 

Breadcrumb customers who process payments with Upserve are eligible for EMV payment processingOrder your EMV Chip Reader

Click any link to jump directly to that section.

 

 

 

Pairing the Chip Reader with the iPad

Before you begin: Chip Readers can only be paired with one iPad at a time.

  1. Be sure your reader is fully charged and turned on. We recommend always keeping the reader plugged into a power source.
  2. Update all iPads to Breadcrumb 2.7.3. More on app updates.
  3. Go to the iPad's settings > Bluetooth
  4. Enable Bluetooth on each iPad's settings panel.
  5. Hold down the green check arrow button or the bluetooth button on the front of the reader until the screen reads "Breadcrumb #### Waiting to Pair."* The four numbers correspond to the last 4 digits of the reader's serial number. This can take several seconds.
    • Pro Tip - Release the button as soon as  you see the "Waiting to Pair" message. If the reader returns to the "Waiting to Connect" state, try again. 
  6. On the iPad, tap to select the “Breadcrumb ####” reader.*
  7. Once the reader is paired, you'll see a check mark on the iPad screen and the reader will read "Ready." 
    • Pro Tip - The reader may return to the "Waiting to Connect" state for a few seconds before it reads ready. If more than a minute elapses before the reader is reader, try again. 
  8. Now your iPad is ready to start accepting Chip Card payments with that reader.
  9. Readers can be only be paired to one iPad at a time. Repeat this process for each iPad that will be paired with a reader. 

Download our EMV set-up guide.

*Older readers will display "Bold ####" instead of "Breadcrumb ####" when pairing. 

 

 

 

Checking Your Reader Pairings

It's easy to see which readers are paired with which terminal. 

In the app:

  1. Go to the Home screen and tap the Device Center Tile
  2. Tap EMV Readers
    • If you have a reader paired, you will see a screen that has the device number. 
    • If no readers are paired, you'll see a link to Breadcrumb's support site. 

In HQ

  1. Go to HQ > Settings > Devices
  2. Each device in your network is listed, along with the iPad to which it's paired. 
  3. Devices are listed as inactive if they're not properly paired with the iPad. The can be caused by distance, low battery or a missing reader that was once paired with the iPad. 

 

 

 

 

 

Processing a Payment with a Chip Reader

  1. All items on the check must be in a sent state. Tap Payments > Credit Card.
  2. The reader will display “ready” until you tap authorize. Do not enter the payment amount into the reader; iPad will send the amount to the Breadcrumb EMV reader.
  3. Insert the card into the chip reader and leave it in until prompted to remove.
  4. Tap Authorize. You'll see the authorize screen while the reader makes the call to the processor.
  5. When you see the remove card message, you may remove the card.
  6. Now the authorization response will appear on the screen.
  7. If the card is approved, you'll go to the main payments screen.
  8. Deliver the card, signature slip and receipt to the guest.  
  9. You may adjust the tip once you retrieve the signature slip. You do not need the credit card to adjust the tip.
  10. If the card is declined, you'll need to get a new card from the guest.
  11. DO NOT use the swiper on the EMV reader for non-chip cards. Use the built in swiper on the stand. It's faster and more efficient. 

 

 

 

 

 

Processing Non-Chip Cards and Gift Cards

Non-chip cards can be swiped as they are today. Use the iPad's built in swiper. 

Gift Cards only work with the iPad's built in swiper. Do not use the EMV reader's swiper for gift cards. 

 

 

Using Multiple Cards and Tenders

Splitting checks across multiple cards and tenders works just as it does today.  Let's say you are going to split a check across a chip card, a card without a chip, and cash. 

  1. From the check screen, tap payments > credit card
  2. Notice that the chip reader shows the full balance of the check. 
  3. Enter the amount you'd like to put on the chip card. 
  4. Wait for the reader to update so that it displays the new amount.
  5. Insert the card into the chip reader and leave it in.
  6. Tap Authorize. You'll see the authorize screen while the reader makes the call to the processor.
  7. When you see the remove card message, you may remove the card.
  8. The signature slip and receipt for the first payment will print. 
  9. Now the authorization response will appear on the screen and the balance of the check appears on the payment screen. 
  10. Notice that the chip reader shows that balance.
  11. Using the iPad screen, update the amount you'd like to charge to this second card. Notice that the chip reader now updates to reflect this new amount. 
  12. Because you have a card without a chip reader, you can swipe this card in the iPad's built in swiper, and receive an authorization for the new amount. 
  13. The signature slip and receipt for the second payment will print. 
  14. To close out the balance to cash, return to the main payment screen, and select Fast Cash or Cash. 
  15. The receipt for the cash will print. 
  16. You may adjust the tip once you retrieve the signature slip. You do not need the credit card to adjust the tip. 

 

 

 

 

Tableside Payments with a Chip Reader

Tableside payments with Signature on Screen works mainly as it does today. 

  1. Be sure Signature on Screen is turned on for the iPad you'll be using tableside. 
  2. Be sure that the reader is paired with the iPad. 
  3. All items on the check must be in a sent state. Tap Payments > Credit Card. 
  4. The reader will now show the payment amount. 
  5. Insert the card into the chip reader and leave it in. 
  6. Tap Authorize. You'll see the authorize screen while the reader makes the call to the processor. 
  7. When you see the remove card message, you may remove the card. 
  8. Now the authorization response will appear briefly on the screen, then the screen will proceed to the signature screen. 
  9. Here, the guest sets the tip, sign, and select their receipt options as they do with a swipe transaction.  
  10. The tip will be captured when the payment batch is sent at the end of the day. 

 

 

 

Adding a Tip

Tip adjustments work exactly as they do today. The chip card do not have to be present for you to ajust the tip. You can:

  1. Add it to the check after receiving the payment auth
  2. Do a bulk tip adjust at the end of the night
  3. Adjust the tip in HQ after the close of the trading day (not recommended)

 

 

 

When to Dip and When to Swipe

A good rule of thumb is to always dip a chip card. It protects you from liability in the event that the card holder reports fraud on the card to the card issuers. That said, there are times when swiping is okay. 

  1. Checks that are lower than $25 are not subject to the EMV fraud liability risk if they are a Visa or AMEX. Mastercard and Discover have not announced plans to follow VISA and AMEX. If most of your checks are below $25, you may not need a reader. If you're busy and a check is below $25, go ahead and swipe. it can be faster. 
  2. If a check doesn't have a chip reader, don't dip it. User the built-in swiper. 
  3. If you dip a card with a damaged chip, you will receive an error message. You can try another chip card or swipe the damaged card.
  4. Chip-enabled debit cards can be treated the same way as credit cards. Go ahead and dip them. No PIN is needed.

 

 

 

Unpair a Reader

If you want to move a reader to a different terminal:

  1. Go to your iPad's Settings > Bluetooth
  2. Tap the reader you wish to unpair. 
  3. Tap Forget This Device.
  4. Now you can pair that reader with a different terminal.

 

 

Offline Mode

EMV readers will not work if you lost your internet connection or if your network goes down. If you are operating in Offline Mode, you can swipe any chip card as you do today. Breadrumb will encrypt the swipe and hold it securely until connectivity is restored. Once you're connected again, Breadcrumb send the encrypted data to the card processor for authorization. 

As with Offline Mode, there is a risk that a card can be declined. Additionally, swiping a card with a chip can open you up to liability. If you're operating in Offline Mode and you can elect to continue taking credit cards, you assume these risks. 

 

Why does EMV take longer? 

The little chip you see on the card generates a unique encryption token each time it's dipped into an EMV reader. The credit card processor uses that token to confirm that the card is valid before it authorizes the payment. Once the processor confirms that the card is valid, it tells Breadcrumb that it's okay to request an authorization. We've worked hard to ensure that this two-way communication occurs as quickly as possible, but it does take a second or two longer than a standard swipe. We will continue to work with our hardware and processing partners to make EMV payments as speedy as possible. 

Troubleshooting

Having trouble getting an EMV reader to work? 

  1. Ensure that the reader plugged in and fully charged. In fact, we recommend leaving it plugged it at all times, unless you collect payments tableside. 
  2. Ensure that Bluetooth is enabled on the reader and that you see the Bluetooth logo on the screen. 
  3. Ensure that Bluetooth is enabled on the iPad and that you see the reader paired with the iPad. More on pairing a reader with an iPad. 
  4. Ensure that the reader is close to the iPad. Bluetooth ranges can vary. 
  5. Reset the EMV reader by sliding the EMV reader out of the its sled and pressing the reset button located in the pinhole next to the power button with a paperclip or similar sized device. Choose option "1. Power up as normal." - DO NOT PRESS "OPTION 3. TOTAL FACTORY RESET." IF YOU ACCIDENTALLY CHOOSE OPTION 3, PLEASE CONTACT SUPPORT FOR A REPLACEMENT DEVICE.
  6. If the EMV reader is not responsive to any of the previous troubleshooting steps, unplug the reader from the cradle and let the battery deplete to zero. Once depleted, slide the reader back into the cradle and attempt to pairing again. 
  7. Still not working? Go ahead and switch to swiping while you give us a call at (888) 514-4644. 

 

What to do when asked for a PIN number 

Certain types of international debit cards are not associated with credit card networks. They are typically non-branded debit cards which means that they don't bear a logo for Visa, Mastercard, American Express, Discover or JCB. Breadcrumb's EMV solution does not support these types of cards. If you dip an EMV chip card into the reader and you receive a message asking for a PIN number, remove the card and ask your customer for different credit card or for cash. 

If you swipe these cards, you will receive a declined card message. 

 

Batch Payments

EMV payments automatically batch out at a time corresponding with your trading day close. You can not force a batch from the Breadcrumb app. If you'd like to change your auto-batch time please reach out to support.