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Frequently Asked Questions?



Lighthouse Transaction Manager

It's Your Card

Frequently Asked Questions

Welcome to Shift4’s Client Center FAQs. Here you will find answers to the most commonly asked questions about getting started with Shift4, our Lighthouse Transaction Manager payment gateway, using gift cards, account maintenance, and more. If you can’t find the answer to your question here, please contact our 24/7/365, world-class Customer Support team at or 702.597.2480 (option 2).

Lighthouse Transaction Manager


Q: What is a BIN?
A: A BIN is a bank identification number. Shift4 deals with two types of BINs – one for merchants and another for cardholders. For a merchant, this number identifies the merchant bank. It is typically a six-digit number that begins with a 4.

For cardholders, a BIN is an identification number consisting of a two-part code assigned to banks and savings associations. The first part shows the location and the second identifies the bank itself. This identifies the institution that issued the card to the cardholder, as well as the card type (e.g., debit, credit, gift card).

Q: I’ve signed my contract, what do I do next?
A: After the contract has been signed, the implementation process begins. Here’s a general outline of the process:

  1. Project Planning – Shift4 will contact you to review your contract and verify all pertinent information. We will also define what work needs to be done and further educate you about the implementation process.
  2. Account Setup Forms – Shift4 will work with you and your MSP to create your Shift4 account and verify information with processors to ensure proper funding.
  3. Installation and Training – This part of the implementation is when we integrate your POS/PMS with our solution. Appointment durations will vary depending on work to be done. After installation, you will have Lighthouse Transaction Manager training so that you can get started.
  4. 24/7 Customer Support – Once implementation and training is complete, our 24/7 Customer Support team is there to provide operational support for Lighthouse Transaction Manager.

Q: What address should I use when filling out Shift4 account setup paperwork?
A: Typically, you should use the physical address where the business is located. If you have multiple locations using Lighthouse Transaction Manager, please contact your Account Setup Coordinator for guidance.

Q: Do I need a separate merchant ID (MID) for each revenue center?
A: Yes. Lighthouse Transaction Manager does not allow the same bank-issued MID to be used for multiple locations. This best practice helps you more effectively track revenue sources and helps in defending your business against chargebacks.

Q: Do I need to create a new merchant account with my MSP when working with Shift4?
A: Not always. Contact your MSP, as there are often configuration changes they need to make on their end to allow you to process through Lighthouse Transaction Manager and to ensure compliant transactions.

Q: What is the cost of DOLLARS ON THE NET?
A: There is a fee to get your system set up and your staff trained on Lighthouse Transaction Manager. This fee is dependant on the number of locations being installed. Once you’re up and running, you "pay as you go" – only pennies per transaction. Paying per transaction means if your business has a slow season you pay less during that time since you process fewer transactions.

When you factor in the elimination of communications costs, update/upgrade charges, and third-party processing fees, along with the cost savings that come from using our pre-settlement auditing and fraud-prevention technologies, it’s easy to see why many of our customers actually report a net savings after implementing Lighthouse Transaction Manager.

Shift4 is a merchant advocate. We’re here to educate and help you to pay the lowest possible fees to your bank and processor for credit and debit card transactions. For more information, please contact the Shift4 Sales team by calling 800.265.5795.

Q: Which terminals and devices does Shift4 support?
A: Please visit our website for a complete list of supported payment devices.

Q: Which processors do you support?
A: Lighthouse Transaction Manager is a bank- and processor-neutral payment gateway that gives you the freedom to choose from nearly every major bank and processor in North America. A complete list of processors is available here.

Q: What backup options do I have in case my Internet goes down?
A: Shift4 offers a Secure Offline Stand-In® (SOS) feature for our Universal Transaction Gateway® (UTG®) users. SOS allows you to set a threshold – a maximum dollar value – below which you are comfortable issuing automatic “stand-in” authorizations without requesting voice authorizations. When connection to the Internet is lost, SOS delivers automatic authorizations for all transactions within your threshold, keeping your lines moving while customers (and front-line employees) remain totally unaware of any disruption in service. All while remaining completely PCI compliant.

If you are interested in using SOS or are unsure if it is configured, please call our 24/7 Customer Support team at 702.597.2480 (option 2) to get the process started. While we have you on the phone, we will be more than happy to help you configure your SOS settings and set your threshold.

Using Gift Cards

Q: Does Shift4 support gift cards?
A:Yes. Shift4 can process both third-party gift cards as well as IT’S YOUR CARD®, Shift4’s full-feature gift card solution. With IT’S YOUR CARD, merchants have the flexibility to design their own gift card program that meets the needs of their business. For more information on IT’S YOUR CARD, click here.

Q: How do I implement IT’S YOUR CARD?
A: To add IT'S YOUR CARD or third-party gift card processing to your account, please contact Shift4’s Account Maintenance team at 702.597.2480 (option 4). For specific, technical information, please see Appendix C in your New Customer Account Implementation Guide.

Q: How do I give my customers the ability to look up their card balances from my website?
A: With the IT'S YOUR CARD Site Builder feature, you can create your own custom gift card website to specifications set by you or by the users you designate, including the ability to look up card balances. Simply pick your template, upload your company logo, select a profile image, and pick your colors. You can preview your site before you publish, and just one click will make your site live.

Q: Does Shift4 provide specialized reporting for gift card transactions?
A: Yes. Shift4’s IT’S YOUR CARD gift card program offers a wide range of reporting tools. If you are using a third-party gift card provider, your options may be limited by the provider.

Q: What URL do I print on my cards?
A: We recommend that you create a gift card marketing page on your website to promote your gift cards (something as simple as would work). On this page you can include a link to the balance inquiry or purchase page that we will host for you. Once you have completed the setup and configuration of your Site Builder page, you will also be assigned a URL that is associated with your Site Builder page.

Q: Does Shift4 supply the gift cards?
A: No. Shift4 can generate e-certificates for you; however, for physical gift cards, we recommend using one of our preferred gift card manufacturers listed below. We will work with you to create the file that needs to be sent to them.

Western Business Systems
Plastic Graphic Compnay
Clondalkin Group
866.545.8703, ext. 282
Vanguard ID Systems
Bristol ID Technologies
Arthur Blank & Co., Inc.

Q: What is an e-certificate?
A: An e-certificate is a virtual gift card that Shift4 supports through IT’S YOUR CARD.

Q: Can I transfer my existing gift card solution to Shift4?
Yes. With your assistance, we can convert existing gift cards to IT’S YOUR CARD gift cards, Shift4’s full-feature gift card solution. We will need a file with all of the card numbers and balances, which can be obtained from your current gift card provider.

Q: Can I use an existing gift card solution along with Shift4’s solution?
A: Yes. In many cases, your existing card numbers and balances can be imported so you can carry on with your existing stock until it runs out.

Q: Will my gift cards work in all my locations?
As a general rule, your gift cards will work at all locations that run Lighthouse Transaction Manager (provided that the POS or PMS in use at that location supports gift card functionality). However, it is best to contact us to verify your account(s) are configured properly to support this.

Using 4Res

Q: How do I whitelist IP addresses for 4Res?
A:For security reasons, 4Res is restricted to a list of trusted inbound and outbound IP addresses, known as a whitelist. 4Res only accepts requests from Shift4 whitelisted sources, and only sends requests to Shift4 whitelisted destinations.

The information below must be submitted to Shift4 for each merchant and external reservation source that will be sending and receiving reservations. Shift4 will review the source information. If any sources or destinations are not currently whitelisted, Shift4 will attempt to whitelist them.

Both reservation services IP addresses and merchant IP addresses must be submitted to Shift4 well in advance of installation to prevent delays. Each IP address must indicate whether it is inbound to 4Res or outbound from 4Res.

Send Shift4 the following information for every source or destination:

  • Reservation Company Name
  • Reservation Company Contact Name
  • Reservation Company Contact Phone Number
  • Reservation Company Website URL
  • Reservation Company IP Addresses
  • Merchant Company Name
  • Merchant Contact Name
  • Merchant Contact Phone Number
  • Merchant Website URL
  • Merchant Company IP Addresses

System Requirements

Q: Which browsers are supported by Lighthouse Transaction Manager?
Please visit our Supported Browser webpage to learn why using an updated browser is so important and to see if you’re using the most current version available.

Q: How long does it take to set up Lighthouse Transaction Manager?
A: Once a contract is signed, a typical Lighthouse Transaction Manager implementation can be completed in as little as one week. Actual time will depend on the customer’s involvement and POS or PMS availability.

Q: What is the Universal Transaction Gateway® (UTG®)?
A: The UTG is the backbone of Shift4’s secure solutions and must be installed for merchants to gain access to our full suite of technologies. For more information on the UTG, please visit our UTG webpage.

Q: What is required for installation of the UTG?
A: Please review the Lighthouse Transaction Manager New Customer Account Implementation Guide for technical requirements. Usually, a UTG installation doesn’t take very long, but it does need to be done by a Shift4-certified installer or certified partner. If you would like to learn more about the UTG, please visit our UTG webpage.

Q: What are the system requirements to run Shift4’s security features and software such as UTG, 4Go®, i4Go®, True P2PE®, etc.?
A: Please review the Lighthouse Transaction Manager New Customer Account Implementation Guide for technical requirements. The baseline requirements are the same as for the UTG. If you would like to learn more about these technologies, please visit our Lighthouse Transaction Manager webpage.

Account Maintainence

Q: Will Shift4 support my new POS or PMS?
A: If you are switching to a new POS or PMS we ask that you first contact us and then please take a moment to read our newsletter article, "Will Your New POS/PMS Work with Shift4?” DOLLARS ON THE NET is fully integrated with the industry's leading POS and PMS systems. Here is a representative list of the software applications we are integrated with. Please note, this is not an exhaustive list of POS/PMS solutions. Please contact our Account Maintenance team at if you do not see your system listed, as we may be able to work with your POS or PMS provider to integrate with Lighthouse Transaction Manager.

Q: How much time in advance do I need to tell you if I am changing my POS or PMS?
A: It’s preferable to call at least a week in advance before making any major software changes to your system. Please take a moment to read our newsletter article, "Will Your New POS/PMS Work with Shift4?”

Q: Can I add an additional POS or PMS to my existing account?
A: Yes. Please contact our Account Maintenance team at to explore this option. You may need to add an additional revenue center to support this addition.

Q: How do I add a new revenue center?
Please contact our Account Maintenance team at to start this process. You will need to provide Shift4 with a completed profit center form that can be found here.

Q: How do I change contacts for existing accounts?
A: In order for us to make contact changes, a financial officer, currently listed on the account, will need to send an email indicating the reason for the update. If the financial officer is not listed on the account, the request can be made via fax (or can be scanned and emailed to The request must include the reason for the update and be accompanied by photo ID and business card.

Regardless of which option is chosen, the request to modify contacts on the account needs to be specific, as we will only make the changes expressly requested. For example, please include first and last name, title, contact phone number, and email address (if applicable) for any individuals that need to be added or removed.

Q: How do I assume ownership of an existing Shift4 account?
If this account was previously directly contracted with Shift4, you as the new owner will be required to execute a new Lighthouse Transaction Manager Services Agreement (contract). We will coordinate with you to gather all necessary details before referring you to our Sales team to prepare the contract agreement and to our Account Setup team for installation and training on our product (if desired).

Q: How do I change my bank or processor?
A: Shift4 is bank and processor neutral, allowing you to change your bank or processor at any time. Shift4 maintains your merchant information in our database, so there will be a seamless transition, no loss of transaction data, and no IT involvement required on your end.

Read our 6 Steps to Finding the Best MSP or Processor for Your Business blog post for tips on how to make a switch. Once you’ve made your decision, contact to get the process started.

Q: I need to reinstall Shift4 software on my computer. What do I do?
A: Contact the Shift4 Account Maintenance team at or call 702.597.2480 (option 4) to schedule a reinstallation.

Q: Can I still process transactions if my POS or PMS goes down?
A: Yes. We have an Online Entry feature within Lighthouse Transaction Manager that allows you to manually charge a credit card even when the PMS/POS is down. In order to use Online Entry you simply need an Internet connection and a login to Lighthouse Transaction Manager.

Q: What are the dangers of auto-settling?
A: We discourage our customers from using auto settle as successful auditing is vital. Pre-settlement auditing allows you to correct any issues before submitting the batch, in turn helping you avoid unnecessary delays in funding and downgrade costs. For more on the importance of auditing, click here.

If, after reviewing this information, you elect to enable auto-settle within DOLLARS ON THE NET, Shift4 requires you to sign a Hold-Harmless agreement. Please contact for more information.

Q: How do I update the name of one of my existing revenue centers?
A: While Shift4 maintains your merchant information in our database, only your MSP can start this process, as the merchant account must be updated prior to Shift4 changing the information on our side. Once your MSP has made the change, contact and we will assist you in completing the necessary form.


Q: How do I close my batch in DOLLARS ON THE NET?
A: It is good auditing practice to close your batches daily. If you do not do so, it will result in delayed funding of your transactions.

Our daily batching procedures can be found on the Auditing Checklist within DOLLARS ON THE NET. Additional information on the auditing and batching process can be found in the Help menu. If you need assistance, please contact the Shift4 Customer Support team at 702.597.2480 (option 2).

Q: I have not received funding for my batch. What should I do?
A: Many things outside of Shift4’s control can impact funding. To trace the source of your issue, first verify in Lighthouse Transaction Manager archives that the batch was submitted successfully. Once validated, refer to your merchant bank to verify that they show receipt of your batch. If your merchant bank does not have a record of the batch, contact our Customer Support team for further assistance by calling 702.597.2480 (option 2).

Q: How many transactions can be submitted in a batch?
A: Your processor decides the number of transactions you can send in an individual batch. However, since we send out your batches to your processor, we will split the batch for you when needed.

Q: What do I do if the end-of-day totals in my POS or PMS do not match the totals in Lighthouse Transaction Manager?
A: The best thing to do is to compare the end-of-day report from your POS or PMS to Lighthouse Transaction Manager’s daily batch totals. We suggest breaking up this audit by card type to more easily determine where the problem is. If discrepancies appear in multiple card types, you should perform a line-by-line audit.

If you are still having trouble finding the discrepancy, please contact our Customer Support team by calling 702.597.2480 (option 2).

Q: What do I do if I have a suspended batch?
As soon as you see a suspended batch in Lighthouse Transaction Manager, please contact the Shift4 Customer Support team. Batches suspend for a number of reasons, including corrupt or missing card numbers or incorrect authorization data in the settlement file.

For some processors, settlement batches are an all-or-nothing proposition; it only takes bad data in one transaction to cause a batch to suspend. In most cases, Shift4 is aware that your batch has suspended and will be researching the issue before you even contact us. Nevertheless, please call our Customer Support team at 702.597.2480 (option 2) so we can assist you in resolving this issue to ensure timely funding.

Q: What do I do if I have a pending batch?
A: A "pending" batch usually happens when your processor is unavailable at the time the batch is sent for settlement. Sometimes this is due to a settlement outage or because the settlement is attempted during the processor’s daily maintenance window. Generally, our team monitors such batches and resubmits them when the processor becomes available. Unless it has been more than 24 hours from the time and date of your submittal, there is no need to call Shift4 Support. If your batch remains in the "pending" status for more than 24 hours after submittal, please call the Shift4 Customer Support team at 702.597.2480 (option 2).


Q: How do I find a transaction in Lighthouse Transaction Manager?
A: Lighthouse Transaction Manager has a simple search function for you to find a transaction. You can filter your search by card type, sale date, sale status, or by the last four digits of the card used for the transaction.

After logging into your account, you can search either your current or archived transactions by simply selecting those menus and clicking “Search.”

If you can’t find a transaction after performing a search, please contact the Shift4 Customer Support team.

Q: How do I edit a transaction in Lighthouse Transaction Manager?
Editing is only allowed before the transaction has been settled. Before settlement, you can perform offline, online, clone, or void edits. Review the “Editing Transactions” document available in our Help menu for more information. If you still need help after reviewing the document, contact our Customer Support team at 702.597.2480 (option 2).

Q: How do I void a transaction in Lighthouse Transaction Manager?
A: Voiding a transaction means you will not obtain funding. Once you are certain this is the most appropriate action, please review the “Editing Transactions” document available in our Help menu for information on voiding transactions. If you still need help after reviewing the document, contact our Customer Support team at 702.597.2480 (option 2). Shift4 automatically removes all voided transactions from the archives after six months.

Q: Why would a transaction need to be deleted or voided?
A: There is more than one reason why an invoice may need to be voided. It could be due to a mischarge, a problem transaction that cannot be corrected, or even a problem transaction that has been corrected but the bad transaction is still showing in Lighthouse Transaction Manager. Shift4 automatically removes all voided transactions from the archives after six months. Contact our Customer Support team at 702.597.2480 (option 2) if you have any additional questions.

Q: Can I edit a transaction after it has been settled?
A: Unfortunately, once a transaction has been closed in a batch you are unable to make any further changes to it. If needed, you can charge the card again for additional funds or post a credit to the card using the clone function. This new charge or credit will be included in an additional batch. Contact our Customer Support team if you have any additional questions at 702.597.2480 (option 2).

Q: How do I clone a transaction?
A: Review the “Editing Transactions” document available in our Lighthouse Transaction Manager Help menu for more information. If you still need help after reviewing the document, contact Customer Support at 702.597.2480 (option 2).

Q: How can I release an authorization on a customer’s card?
A: We are regularly asked if we can assist with this and the short answer is, no. Unfortunately, we are unable to release authorizations that have been processed. The authorization comes to Shift4 from the processor after they have verified with the guest's bank that they have enough credit available to cover the charge. The guest's bank (the issuing bank, as we say in the industry) is the only organization able to remove any authorizations from the card. So, as much as we'd love to help you remove authorizations, we can't. It's beyond our control. Your best bet is to call the 800-number listed on the back of your client's card and ask them for assistance.

Q: What are the red boxes next to transactions in Lighthouse Transaction Manager?
A: Transactions with a red box on the left hand side are “problem transactions” and they cannot be submitted. Please see Lighthouse Transaction Manager Help for more information on correcting these transactions.

Q: How should I handle an insufficient authorization?
A problem transaction showing “insufficient authorization” means you do not have enough authorization to cover the total amount of the transaction. You must decide whether you intend to settle the transaction for the full amount or less. If you intend to settle for the full amount, you will need to obtain an additional authorization. This can be done through the Online Edit tool. If you intend to settle for a lesser amount, you can adjust the transaction using the Offline Edit tool. For more information on editing transactions, see the Help menu.

Q: How should I handle an invalid authorization?
A:A problem transaction showing “invalid authorization” means the authorization code indicated for the transaction does not meet the standard criteria. This most often occurs when a clerk enters a false authorization code rather than actually calling for a voice referral. In all cases, an invalid authorization prevents the transaction from being settled.

If you intend to settle the transaction, you will need to obtain a legitimate authorization code using the clone tool, or by manually keying the transaction using Online Entry. The original transaction will then need to be voided. For more information on cloning transactions, see the Lighthouse Transaction Manager Help menu.

Q: How should I handle a decline?
A: We cannot force a decline to process. The only way to resolve this issue is to request another form of payment from the cardholder. In order to close your batch, you can either hide the transaction or delete/void the transaction.

Q: What do I do when a transaction shows as an authorization only instead of a sale?
A: Provided you do not intend to change the amount of a transaction, you can change it into a sale through the Offline Edit tool by unchecking the “Auth Only” box and clicking “Submit.” However, this problem could be the result of your POS or PMS system not completing its end-of-day settlement process correctly. It is best to verify this has taken place successfully before editing a transaction in Lighthouse Transaction Manager, otherwise, duplication can occur. If you are unsure what to do, please contact the Shift4 Customer Support team at 702.597.2480 (option 2).

Q: What is the minimum and maximum dollar value for a transaction?
Some processors cannot accept charges or credits for less than one dollar or more than $99,999.99. If you need to process a transaction above this threshold, please contact our Customer Support team at 702.597.2480 (option 2) to discuss your options.

Q: How do I give a credit after I have settled the transaction?
A: In order to create a credit transaction in Lighthouse Transaction Manager, you will need the appropriate permissions from your Account Administrator. A credit transaction can be created by manually keying the information via Online Entry or by cloning the original transaction and changing the amount to a credit. For assistance with this, please contact our Customer Support team at 702.597.2480 (option 2) or refer to the DOLLARS ON THE NET Help menu.

Q: How do I fix an “Error 9842 – Not in Card Range or Invalid Card”?
A: If the card number was entered manually, first check the number on the card and re-enter it just to be sure there’s not a typo. This error can also occur if the card type is not supported in your merchant account or if the card number is invalid. If the card number is one of the card types you accept, there are several things you can do. If the card was swiped, try re-swiping the card once. If this error re-occurs and also occurs when you try other cards, you may have a faulty swipe device. If the error re-occurs but does not occur with other cards, there is likely something wrong with the card. Try entering the card number manually or collecting a different form of payment.

Account Password / Access

Q: What do I do if I forget my DOLLARS ON THE NET password?
A: Account Administrators can reset standard user account passwords. Further instructions for resetting user passwords can be found in the “Managing User Accounts” document found in the Lighthouse Transaction Manager Help menu.

If the password for the Account Administrator is lost or forgotten, the Shift4 Customer Support team can help. Please click here for more information on accessing your account or resetting your password.

Q: Does Shift4’s Customer Support team have access to my Lighthouse Transaction Manager account?
A: For security purposes, our agents do not have access to log into your account; however, we are able to talk you through transaction research and auditing steps.

Shift4 representatives will never ask you for your login information. If you receive a message from anyone claiming to be from Shift4 requesting this information, please send a report to

Q: How do I modify user permissions in Lighthouse Transaction Manager?
A: Information on modifying user permissions can be found in Lighthouse Transaction Manager Help. Select the Help tab, click Account Management, then select the “Managing User Accounts” document. Or, to watch a tutorial, select the Video Tutorials tab, click the Account Administrator category, and then User Maintenance.

Q: What do I do if a user does not have access to see one or more revenue centers (MIDs)?
Account Administrators can configure user permissions to view specific revenue centers. These permissions can be modified within the User Maintenance menu of the Administrator account. For further information, please see the Account Administrator Guide in the Lighthouse Transaction Manager Help menu.

Q: What do I do if I forget my DOLLARS ON THE NET account number?
A: Your account number is listed on the top of your Shift4 invoice. If you don’t have access to your invoice, please contact our Customer Support team at 702.597.2480 (option 2) for further assistance.

Q: How do I change Fraud Sentry® email settings?
A: Your Account Administrator has the ability to change who receives the Fraud Sentry email notifications directly in the DOLLARS ON THE NET system. More information can be found in the Account Administrator Guide in the Lighthouse Transaction Manager Help menu.


Q: How do I receive my monthly invoices?
A: In order to view and access your monthly invoices, you must have your email address registered as an authorized billing contact with the Shift4 Accounting team.

Once your email address is registered with Accounting, you must create a user profile on the MyPortal section of the Shift4 website. To create your user profile, please follow these instructions:

  1. Go to then on the top right-hand side of the webpage under Client Center click on “MyPortal Login.”
  2. Click “New User” and then “Click Here to Register.”
  3. Please fill out the contact information and then click “Register.”

You will receive an email with a temporary password and an Internet link that you must click on in order to change your password. Once you change your password you are ready to log in and view your invoices.

Your invoice is available in both PDF and CSV formats. There are 13 months worth of archived invoices available to you.

(Please note, your MyPortal login is specific to the billing contact email addresses on file with Accounting.)

If you have any questions regarding which billing contact email addresses are on file or how to make changes to these email addresses (including adding and removing email addresses), please email our Accounting team at or call 702.597.2480 (option 5).

Q: How do I know when my invoice is ready?
A: On or around the 10th of every month your authorized billing contact(s) will receive an emailed billing notification that their invoice is ready to be viewed online via MyPortal. At that time you will be able to log into MyPortal via the Shift4 website to access your invoices.

Q: Do I need to send payment for my invoice if I have a payment method on file?
You can always pay your invoice via check as long as Shift4 receives it by the due date of the invoice. If payment is not received by the due date of the invoice, Shift4 will deduct the balance owed per the Fallback Payment Agreement (FPA) on file.

Q: When are my invoices due?
A: The payment terms for your account can be found in your contract and are also included on the monthly billing notifications that are emailed to the billing contact(s) on your account.

Q: How do I update the payment method for my account?
A: Please contact our Accounting team by email at or by calling 702.597.2480 (option 5) and the necessary form will be sent to you.


Q: What does the EMV liability shift really mean?
A: The U.S. EMV liability shift addresses a specific segment of fraudulent charges from counterfeit payment cards – EMV chip cards that have had their magnetic stripe compromised – and only if your agreement with your merchant bank allows. There are still a limited number of EMV chip cards in circulation, which means that a merchant who cannot yet process EMV cards is only liable for a small fraction of potential transactions.

Q:Why isn’t Shift4 certified for EMV with my processor yet?
A:We’re going as quickly as we can, but some things are beyond our control. The EMV liability shift date was announced in 2012, but the processors didn’t deliver their specifications until mid-2015 – just months before the October 2015 “deadline.” Many processors are understaffed to handle the time-consuming certification process, and some have also changed their requirements mid-stream, leading to further delays. In spite of these challenges, Shift4 processes EMV payments in both the U.S. and Canada with multiple processors. You can check on our status with your processor at

Q: Why is the small business down the street already processing EMV, but I can’t?
A: Some small businesses are using simple, non-integrated EMV solutions because they have a single revenue center and already process payments with standalone terminals. For most businesses, Shift4 advises against these “quick-fix” solutions, as non-integrated solutions are extremely limiting and have disadvantages that will create costly limitations for merchants.

Q: What about large chains like Target and Wal-Mart that are already processing EMV?
Switching to EMV can be an expensive undertaking. For many major national chains that are currently processing EMV, the cost of their large-scale EMV transition was more manageable. Also, these are highly public companies that are seen as industry trend-setters, so it is important that they stay ahead of emerging technologies. Our advice is that you not take the actions of these large chains as an indication of the urgency of upgrading to EMV.

Q: How should I respond if someone asks why I’m not processing EMV yet?
A: It’s important to understand that EMV by itself does not guarantee payment security. The marketing for EMV has suggested that EMV would have prevented recent high-profile data breaches, such as the breaches of Target and Home Depot. This is not accurate. EMV is an additional security solution, not a complete security solution. In fact, merchants who use Shift4’s True P2PEâ„¢ (point-to-point encryption) and TrueTokenization® solutions were protected from data breaches long before EMV was introduced in the U.S.

Q: What are the major differences between EMV in the U.S. and the rest of the world?
A: Due to the complexity and scale of the U.S. payments space, most U.S. merchants use integrated payment solutions, whereas merchants in other countries often use standalone payment terminals. Also, the operational practices that EMV is based on are 20 years old, and we are currently trying to fit modern integrated payment processes into EMV.

Have more questions? You can always call Shift4 at 702.597.2480 (option 2) or email us at



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