Receipt Requirements

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Knowing what to print on a merchant & customer receipt isn't a simple task - navigating the varying different requirements of the different card brands and issuing banks requires a lot of effort and detailed analysis. By following Cayan's best practice guide which collates the different requirements from the various card brands and issuing banks into an easy to follow matrix, you'll ensure that your merchants' receipts can be used as evidence in any chargeback process.

 

Magnetic Stripe & Keyed Transaction Receipt Requirements

Merchant DBA Name REQUIRED REQUIRED Uniquely identifies the merchant location Cayan
Merchant location REQUIRED REQUIRED Uniquely identifies the merchant location; Provide as much specificity as possible to distinguish the store (eg. city, state, zip, phone, store #, ...)

1 Federal Street, 2nd Floor

Boston, MA 02110

1.800.749.2173

Merchant ID REQUIRED REQUIRED Uniquely identifies the merchant location 123456789
Merchant Website REQUIRED REQUIRED Required for online & card not present transactions; optional otherwise www.cayan.com
Transaction date & time REQUIRED REQUIRED Time that the transaction happened Date: May 29, 2015 Time: 10:00 PM
Transaction Type REQUIRED REQUIRED retail sale, credit, debit, cash disbursement, refund, ... SALE
Description of products/services sold REQUIRED REQUIRED

A description and the price of each product and service purchased or returned, including applicable taxes, in detail sufficient to identify the Transaction.

If for whatever this is not possible, please consider including the Invoice Number and/or Purchase Order.

  • 1 x Genius Terminal: $4.00
  • 1 x Merchant Agreement: $6.00
Invoice Number RECOMMENDED RECOMMENDED Helps provide a description of products/services sold; identifies the transaction 00020091
Purchase Order OPTIONAL OPTIONAL Helps provide a description of products/services sold; identifies the transaction  
Transaction amounts REQUIRED REQUIRED

The total Transaction amount and Transaction currency. If no currency is identified on the Transaction receipt, the Transaction is deemed to have taken place in the currency that is legal tender at the POI.

Please include subtotal, taxes, and currency used.

Subtotal: $10.00

MA Sales Tax (6%): $0.60

Total: $10.60

Authorization/approval code REQUIRED REQUIRED The authorization number, if obtained from the Issuer 09926C
Card brand REQUIRED REQUIRED VISA, MASTERCARD, AMEX, DISCOVER, CHINA UNION PAY, ... VISA
PAN REQUIRED REQUIRED Masked - only show last 4 digits XXXXXXXXXXXX8887
Register Number RECOMMENDED RECOMMENDED   Register #1
Transaction ID RECOMMENDED RECOMMENDED   252994899
Entry Mode OPTIONAL OPTIONAL Keyed vs. Swiped vs. Proximity/NFC SWIPED
Cardholder's signature OPTIONAL REQUIRED

On at least the merchant copy, space for the Cardholder’s signatureunless:

  • No CVM was used - eg. a card not present transaction
  • A non-signature CVM is used - eg. PIN Debit
Cardholder signature: x_______________
Is this a merchant v/ cardholder copy REQUIRED REQUIRED Must appear near signature Cardholder Copy
Retain this copy... REQUIRED OPTIONAL On the Cardholder copy, the words (in English, local language, or both): “IMPORTANT— retain this copy for your records,” or words to similar effect  
Wording to the effect that "I agree to pay the above total..." OPTIONAL OPTIONAL Must appear near signature I agree to pay above total amount according to card issuer agreement (merchant agreement if credit voucher)
Refund/Return Policy (must appear near signature) REQUIRED RECOMMENDED Must appear near signature All sales are final. No refunds or exchanges.
Cardholder name REQUIRED REQUIRED Should appear near signature John Doe
PIN FORBIDDEN FORBIDDEN    
CVV/CVV2/CSC/CVM/CVC (card security codes/card validation methods) FORBIDDEN FORBIDDEN    
Expiration Date FORBIDDEN FORBIDDEN    
Requirement
Cardholder Receipt
Merchant Receipt
Comments
Example

Example MSR Receipts

Below are VISA's Transaction Receipt Requirements for Card-Present and Card-Absent Merchants.

 

EMV Receipt Requirements

The below receipt requirements for EMV transactions are in addition to the general MSR credit card receipt requirements outlined above. Importantly, EMV also requires that you print a receipt for a declined transaction.

Field Visa Master Card Discover American Express EMVCo
AID MUST INCLUDE MUST INCLUDE MUST INCLUDE MUST INCLUDE MUST INCLUDE
Application Label MUST INCLUDE (IF AVAILABLE) MUST INCLUDE (IF AVAILABLE) MUST INCLUDE (IF AVAILABLE) MUST INCLUDE (IF AVAILABLE) OPTIONAL
Application Expiry Date OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Application Effective Date OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Application Interchange Profile OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Application Version Number OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Application Transaction Counter OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Masked Pan OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Pan Squence Number OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Card Expiry Date MUST NOT INCLUDE MUST NOT INCLUDE MUST NOT INCLUDE MUST NOT INCLUDE MUST NOT INCLUDE
Cryptogram Type OPTIONAL OPTIONAL OPTIONAL RECOMENDED OPTIONAL
Cryptogram OPTIONAL OPTIONAL OPTIONAL RECOMENDED OPTIONAL
CVM Results OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Issuer Application Data OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Terminal Verification Results OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Unpredictable Number OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Amount Authorized OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Amount Other OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
POS Entry Mode OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Termina Type OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Ifd Serial Number OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Terminal Country Code OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Transaction Type OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Transaction Currency Code OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
Cryptogram Information Data OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL
PIN Statement MUST INCLUDE (IF AVAILABLE) MUST INCLUDE (IF AVAILABLE) MUST INCLUDE (IF AVAILABLE) MUST INCLUDE (IF AVAILABLE) MUST INCLUDE (IF AVAILABLE)
Cvm Method OPTIONAL OPTIONAL OPTIONAL OPTIONAL OPTIONAL

 


Example EMV Receipt

Demo-EMV-Receipt.JPG

What About Cayan's Electronic Receipts?

Cayan's Virtual Terminal portal provides electronic receipts that can be used to dispute a chargeback. These receipts meet the card brands' requirements for both MSR and EMV transactions. In the case of merchants using Cayan's Genius CED, these receipts contain a electronic signature and are retained for a period of 18 months. While Cayan provides an electronic copy of the receipt available to merchants, partners' points of sale are required to produce a compliant receipt for your merchants' cardholders.

For merchants who perform card-present transactions but do not use Genius and whose Point of Sale does not transmit a digitally captured signature to Cayan, these receipts will not have a digital signature, which is often used as part of the chargeback dispute & resolution process. Cayan recommends that these merchants retain a signed physical paper copy of their merchant receipt in their records for a period of 18 months.

Please reach out to the Certification Engineering team for any questions/comments related to upgrading your integration by contacting integrations@cayan.com.