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smartcardemv

Why real POS-terminals don't using PSE (2PAY or 1PAY)?

I experimented with two real terminals, via EMV contact (not contactless) way, and no one using PSE or PPSE to obtain a AID, as defined in EMV specification.

Both terminals just directly trying a set of AIDs with SELECT command until ICC will answer successfully.

Solution

  • EMV Defined two methods of Application Selection :

    1. Selection via PSE/PPSE
    2. Selection via Direct AID Method

    For Contact Transaction, use of PSE is optional. Since you mentioned that you observed this behavior on Contact interface, so for that terminal is using Selection via Direct AID Method not with PSE (Since PSE is optional)

    For Contactless interface presence of PPSE is mandatory. PPSE will be the first contactless application on the contactless card selected by merchant terminal.

    To know more about Application selection, you can refer EMV Book 1 Section 12..!!