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POS Terminal EMV Flow

Step through card detection, APDU exchange, CVM and risk checks, online authorisation, receipt evidence, and controlled fallback paths.

CardKernelPINHostReceiptFallbackposCarddetectedKernelselect AIDSecureidleHostofflineA terminal is a protocol endpoint with state, not just a card reader.
Step 1 / 6Card or phone enters the EMV field

The terminal detects a contact chip or contactless wallet and starts EMV application selection before any money movement begins.

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