TA7.2 Migration

What is the TA7.2 migration and what does it mean for me as a merchant?

New regulations from 01/01/2025 for POS card terminals. The payment process is becoming even more secure!

As a merchant, new rules regarding payment processing via a point-of-sale (POS) card terminal will come into effect on 01/01/2025.

The limits for contactless payments will be increased. New device specifications and certifications will be introduced. A new generation of devices will be established that meets the new requirements.

This creates a need to update your card terminal via a software update or, if necessary, to replace (upgrade) your card terminal.

All changes at a glance

• Increase of the limit for contactless payments without PIN up to a payment amount of 50 EUR.
• Single Tap: In certain cases, card issuers request PIN entry even for amounts under 50.00 EUR. Until now, in such cases, the card had to be inserted into the chip reader. Single Tap means that now the prompt for PIN entry occurs without reinserting or re-presenting the card.
• Dynamic currency conversion: contactless payments in the corresponding local currency
• Contactless tipping functionality: Previously (under TA 7.1), the tipping function was often only available with physical contact.
• Partial approval (partial authorization during payment and reservation): This function allows the processing of a reduced amount. This means that the booking amount can be smaller than the reserved amount. This makes it possible, for example, to conveniently process a remaining balance on a prepaid credit card.

POS card terminal regulation for a German debit card (Girocard)

The German Banking Industry Committee (DK) defines standardized rules, the so-called Technical Annex (TA7.2), for the German payment system. These rules apply to all certified network operators (NB) and are mandatory for operating Girocard POS card terminals.

POS card terminal regulation for international credit cards (Mastercard and Visa)

PCI and EMV standards are issued by international credit card companies. They describe the security, technology, and functionality requirements of credit card systems (Mastercard, Visa, etc.) and are mandatory for acquirers (issuers of credit card acceptance) in order to process credit card transactions.