November, 2015
EMV Certification to First Data Issued by Card Brands
BridgePay Network Solutions is pleased to announce its EMV enabled middleware suite of products, PayGuardian, has been U.S. EMV certified to First Data by the card brand associations. BridgePay redefined the EMV solution to act as a true embedded solution for its wide array of partners.

PayGuardian's simple integration method allows for integrators of all types to utilize the EMV solution. Software Development Kits (SDKs) are available for iOS, Android, browser-based systems and the traditional Windows desktop. One integration offers not only EMV readiness, but reduces the scope of PCI with its PA-DSS (Payment Application Data Security Standard) certification. Additionally, BridgePay offers a "gateway in a box" via a Raspberry Pi device allowing for the PayGuardian code to be downloaded to the device and deployed out to the merchant location with plug and go ease.  
"Our integrated partners came to us with enormous feedback on how they wanted us to help solve their EMV issues. PayGuardian is the culmination of a lot of input from some of the biggest POS companies and ISOs in the U.S. It's been a long road, but these products are going to allow virtually any type of POS integrator, who is still trying to figure out EMV, an immediate and effective solution," said Rick Taylor, CEO of BridgePay Network Solutions.

BridgePay's certification comes on the heels of the U.S. liability shift for fraudulent cards used at a merchant location. Issuers have been busy sending consumers a new EMV, or chip-enabled, card, but the payments industry has been slow to respond with solutions due to the long certification process and wait time with the various processors. At the Visa Payment Technology Provider Forum held in San Francisco recently, the underlying theme was that 2016 would be the year for the integrated solution to become EMV compliant.

The EMV certification to First Data will include support of the Ingenico Telium 2 family of EMV enabled devices. This family offers partners a selection of signature capture devices, pin pads and portable Bluetooth devices. EMV certifications for BridgePay will not end with First Data. Additional processor certifications to TSYS, Chase Paymentech, Elavon, Heartland, Moneris-US and Canada, Global and WorldPay are all in various stages. BridgePay will also continue adding additional device certifications to meet partners' needs that will include Infinite Peripherals, Verifone, ID TECH, Magtek, PAX, and Castles/POSKITZ USA. 
What does this mean for integrators?
If you are an integrated partner with BridgePay, you will need to complete your integration to a PayGuardian product. Once integration has been completed, there is an easy certification process and then the POS can move to production. Please remember that PayGuardian will only process a live EMV transaction to First Data Omaha at this time. While PayGuardian will work with other processors, it is for mag swipe only. As additional EMV certified processors are added, integrators will not need to do anything further with their POS. This will be done at the gateway level for integration ease.

If you need to reach out to our Integration team, please email Developer Support. PayGuardian will be distributed to merchants via a registration system. In order to obtain the registration, you must be a reseller or referral partner with BridgePay. If you are not a current partner and would like to be, please reach out to Sales.
What does this mean for ISO partners?
First, in order to provide the PayGuardian product to your merchant base, the merchant's point of sale (POS) must go through the process mentioned above regarding integration. If you are ready to board to the new EMV ready BridgePay Gateway, please reach out to Client Relations.
What does this mean for merchants?
Merchants will need to reach out to their BridgePay reseller or referral partner and/or POS company to ensure the PayGuardian certification has been completed. The partner will then be able to proceed with next steps for set-up.
Equipment options & ordering
BridgePay certified the Ingenico Telium 2 family of devices. Depending upon the PayGuardian product you are using (e.g. Windows desktop, browser-based, iOS, or Android), the following devices have been integrated for EMV transaction processing:
PayGuardian (Windows desktop POS): iSC 250, iSC350, iSC480, iPP 320 & iPP350
PayGuardian4iOS: iCMP & iSMP
PayGuardian4ANDROID: iPP 320 & iPP350 (Revised)
PayGuardian4WEB (browser-based POS): iPP320 & iPP350

BridgePay does not sell devices but please reach out to our many third party device distributors for further assistance. Along with Ingenico, we have compiled a list of the Ingenico EMV certified devices with all part and firmware information. Please reference this list here when placing your order to ensure deployment accuracy.

PayGuardian Pricing
The PayGuardian EMV suite of products is a new addition to your arsenal of gateway products. Pricing for PayGuardian is $7.95 per registration (per device) per month. This is a new product being offered and this communication serves as our official notification and acceptance of this new price to be added to your current fee schedule. 

BridgePay's CEO on our Ingenico Partnership
BridgePay CEO Rick Taylor on our partnership with Ingenico
BridgePay CEO Rick Taylor on our
partnership with Ingenico for EMV enabled devices

Interested in ordering Ingenico devices from third party distributors?
A device order overview of the Telium 2 family has been made available here. Please select the proper PayGuardian product and match it to the needed device. Make sure to add the BridgePay point to point encryption key for additional security!
As chip cards become a reality in the United States and as the EMV Fraud Liability Shift approaches, Discover is making efforts to educate consumers by sending educational material with all newly issued Discover chip cards. Additionally, to prepare ISVs, Dealers, and merchants for the new checkout process, Discover offers a variety of resources focused on EMV education and readiness, including:
  • Merchant Chip Card Guide to educate business owners and managers on EMV and tips to ensure a smooth checkout process
  • EMV Fraud Liability Shift (FLS) overview provides information to business owners on the EMV FLS and what it means to them
  • Employee POS guide, Break Room signage, and training video to train employees on EMV and how to process a chip card transaction
  • Consumer POS signage educates consumers on how to use their chip card when they are at the point of sale
Discover is here to help accelerate the migration to EMV for ISVs, Dealers, and merchants. To download and access these resources, please visit For any questions, please e-mail [email protected].

Welcome our new Vice President of Development!

Jason Corrado recently joined the BridgePay team to oversee our ever growing development efforts. As Vice President of Development, Jason will manage the developer group, focus on EMV certifications and solutions, and enhancements and new product development for the BridgePay gateway. Jason has extensive knowledge with both gateways and processors having previously worked managing development and product for Chase Paymentech, Elavon and Global Card Services. 

Welcome, Jason!

Partners in the News

ShopKeep acquires Ambur App
ShopKeep announced its acquisition of Ambur, an iPad and iPhone point of sale system for more than 1,500 restaurants. Ambur provides a feature-rich set of options specifically designed for full-service, quick-service and fast casual restaurants, as well as bars and food trucks.   View the full release here.

Appetize recently announced it will install more than 4,400 fixed and mobile
point-of-sale devices supplied by cloud-based  mobile point-of-sale to venue operator Live Nation Entertainment. Read more

Impact of EMV Chip Cards on Recurring Billing

This interesting article from should give you something to think about if your customers rely on recurring billing. Many companies, including Nordstrom and R.E.I., took the opportunity with this massive chip card re-issuance to also change their sponsor banks. This meant new card numbers being issued in the hundreds of thousands. Many Americans don't think to update their "card on file" payment options with subscription services such as Netflix, Amazon Prime, or utility bills. Definitely a reason to reach out to your customers!

Important Noteables from Our Previous Partner Updates
What does the EMV liability shift really mean for a merchant?

The EMV Forum published a quick reference guide to help you understand the liability shift. There are two separate fraudulent scenarios that merchants are faced with.  The card presented might either be stolen or counterfeit.
For lost or stolen cards, the liability shift is not relevant  with chip and sign. Today, all credit card issuers that we are aware of in the United States are issuing chip cards that do not require a PIN number.  Without a PIN number, the liability shift is not in effect.  If issuers choose to include a PIN number at some time in the future, the rules on the liability shift will change but we do not expect this to occur for many years.
Merchants are affected by the counterfeiting of a card with the liability shift. This means that a merchant accepting a card that has a counterfeit mag stripe from a chip card used at a mag stripe (non-EMV) terminal could be held liable.

Do you need EMV Test Cards?

For Integrators looking for test environment cards, orders can be placed directly with B2, a company offering the EMV testing tools. B2 offers both an EMV standard set and First Data specific set of EMV test cards. Click on the set you wish to order to download the proper form. Questions regarding these test cards will need to be directed to B2.

If you are an ISO or ISV needing to run an actual live "test" transaction at a merchant location using an EMV device to a certified EMV processor, please view the order form here for more details. While we call these "test" cards, they are in fact production cards that you can use for training purposes and testing device functionality.