ShopKeep and EMV
Learn the ins and outs of processing EMV chip cards, including what that means and how to set it up with ShopKeep. Not processing credit cards yet with ShopKeep? Learn how to get started.
Table of Contents
EMV is currently available to merchants who process credit cards with ShopKeep Payments and use an eligible EMV reader. Stay tuned for future communications.
What is EMV?
EMV (Europay, Mastercard, Visa) refers to a secure way of processing credit payments with smart chip cards. When you process an EMV transaction, the card’s chip creates a unique payment code that can only be used once. This ever-changing code makes it nearly impossible for someone to steal payment details. Magstripe cards, on the other hand, store information on a magnetic strip that stays the same for every transaction.
The push for EMV processing comes from credit card companies who aim to reduce fraud and shift liability when fraud does occur. This “shift” means that liability for a fraudulent transaction lies with the least EMV-compliant party.
As a merchant, there are a few things to consider when choosing whether to use EMV. We encourage you to educate yourself and decide whether accepting EMV payments is right for your business.
EMV Hardware and Setup
Once you decide to accept EMV payments, there are a few steps to getting things set up. Follow the sections below to set up your reader, connect it to ShopKeep, and enable EMV.
Card Reader Setup
Before doing anything else, you must purchase and set up an EMV-capable card reader. Follow the links below to set up your reader.
iPP Series Ethernet Credit Card Reader
The iPP320/iPP350 plugs into your router and connects wirelessly with your register over the WiFi network.
iCMP Bluetooth Credit Card Reader
The iCMP connects wirelessly with your iPad register via Bluetooth.
Clover All-in-One Credit Card Reader and Printer
The Clover device bundles a card reader, receipt printer, and customer display into one piece of hardware.
Connect the Reader to ShopKeep
Once the card reader is out of its box and set up, connect it to the ShopKeep app.
- In ShopKeep, select 'Hardware Setup' on the Control Panel.
- Tap 'Card Readers'.
- Select a card reader to connect.
- If prompted, tap ‘OK’ and allow the reader to reboot.
Then wait until the credit card reader displays ‘ShopKeep’.
Card reader not connecting? Visit one of our Credit Card Reader Troubleshooting guides for help.
After connecting your card reader, sign in to BackOffice to enable the EMV setting. EMV is optional, so you can disable it at any time if you find it is not the best option for your business.
Using the Clover All-in-One Credit Card Reader and Printer? EMV is already enabled for your account.
After enabling EMV, you will no longer be able to use credit card readers that are not EMV-capable, such as the iDynamo. Merchants who attempt to use both EMV-capable and non-capable readers at the same time risk receiving fines or being held liable for chargebacks.
- Click 'Settings' and select 'General'
- Check the 'Enable' box and click 'Save'.
- Get Updates on your register to apply the change.
Run an EMV Transaction
With the card reader set up and EMV enabled, your register is ready to run EMV transactions. Here is a step-by-step walkthrough of the process.
Using the Clover All-in-One Credit Card Reader and Printer? Your process will be different than the steps below. Visit our Using the Clover Mini article for help running an EMV transaction.
- Add items to a sale and tap 'Credit'.
- Have the customer enter their gratuity or tap 'No Tip'.
If your customers sign and tip on paper receipt, enter gratuity after charging the card.
- Have the customer confirm their total and tap 'Charge'.
- Ask the customer to insert their card, chip-end first, into the card reader.
- The customer follows the instructions on the reader's screen, removing their card when prompted.
- Select 'Print' or 'Email Receipt' and tap 'Done'.
Frequently Asked Questions
Let’s take a look at some questions that might come up when setting up and using EMV.
How do customers use EMV chip cards?
Customers insert their EMV chip card into the credit reader (as opposed to swiping it). After approval, the customer removes their card.
Am I required to run EMV chip card transactions?
No, you are not required to run EMV chip cards. However, you may be held liable for fraudulent transactions if you do not accept them.
Will my current credit card readers continue to function after EMV is enabled for my account?
Credit card readers that are not EMV-capable, such as the iDynamo, cannot be used after EMV is enabled. Merchants who attempt to use both EMV-capable and non-capable readers at the same time risk receiving fines or being held liable for chargebacks.
Can I disable EMV payments?
Yes, see the Enable EMV section above for help. Keep in mind that you may be held liable for chargebacks if you disable EMV payments.
What if I swipe an EMV chip card through an EMV compatible card reader?
If you swipe a card that has a chip, ShopKeep will prompt you to insert it instead.
Where can I buy an EMV-capable credit card reader?
EMV compatible card readers for use with ShopKeep must be purchased from our online store.
Can I still run transactions by swiping?
You can continue swiping cards that do not contain chips, but EMV chip cards must be inserted into your credit card reader.
How do I add a tip or gratuity?
When running EMV transactions with the store set to tips and signature on screen, gratuity is added before the card is charged (as seen above).
If the store is set for tip and signature on paper receipt, tip is added after the card is charged. There is also the option to save the transaction and add the tip later.
Learn more about setting up tip and signature options here.
If you have more questions about EMV and the EMV liability shift, visit our full EMV FAQ page.