Business requirements

 Leading Requirement

Reflect the arrangements a merchant made with one or more acquirers for card acceptance of one or more brands on a standardised payment terminal infrastructure
C-TAP delivers a terminal specification that allows multi-acquirer multi-brand card transaction processing.

Acquiris manages card selection criteria and the acquirers’ connectivity data. These are remotely loaded to terminals. The merchant selection of brands and acquirers is stored in the terminal for immediate card recognition. Each acquirer can customise its transaction flow.

More information on the highlights is attached below for your download.

Business requirements
 What Acquiris & C-TAP deliver
Provide specifications that describe how chip, mag-stripe and contactless cards and NFC smartphones interface with the terminal application.
Interfaces to the kernel specification provided by EMVCo and, for contactless payments, by the major schemes.
Provide specifications that describe how card transactions are initiated and processed by following, where suitable, the consensus on functional specifications of a group of experts and expressed in the EPC/CSG "Book of requirements".

C-TAP provides detailed specifications for transaction processing, of which the most important are:
  • attended and unattended terminals
  • multiple card data capture and cardholder validation methods
  • direct and deferred (petrol) payments 
  • on-line and off-line modes of operation
  • payments, partial approval, cash advance, pre-authorisation, update pre-authorisation, payment completion, card validity check, cancellation, refund, voice referral, back-up modes 
  • direct currency conversion
The transaction business logic is described for the terminal as well as for the message handling system of the acquiring hosts.
As an individual terminal connects to multiple acquirers, each acquirer must be in position to safely load the acquirer specific symmetric keys to this terminal for on-line PIN transmission and message authentication. C-TAP provides a mechanism to safely load multiple sets of keys to terminals under the control of the acquirer and the support of a Security Provider function
Even if the transactional business logic is leading, the message flow between a terminal and the multiple acquiring hosts must be precisely described, preferably relying on international standards.
The C-TAP specifications rely on a central data dictionary. Data fields and messages are presently described using the Tag-Length-Value methodology also used by EMVCo (ISO/IEC 8824-1 and ISO/IEC 8825-1). Alternate representations, such as ISO 20022 can be considered, relying e.g. on the registrations of EPASOrg with ISO.
Terminals can connect to acquirers using multiple telecommunication channels.

The C-TAP specifications support PSTN, ISDN, GSM, broadband internet, virtual private networks, GPRS …

IP connectivity can be protected by TLS/SSL3 mutual authentication.

Acquiris Secretariat,
23 Dec 2015, 02:56