ترقية POS إلى EMV الشريحة واللاتلامسي: تحوّل المسؤولية، أنواع القرّاء، وكيفية الانتقال
دليل شراء لنقل POS من الشريط المغناطيسي إلى EMV الشريحة واللاتلامسي (NFC) — ماذا يعني تحوّل المسؤولية، التخلّص التدريجي من الشريط المغناطيسي، أنواع القرّاء والأجهزة، وما يجب مراعاته، وخطة انتقال.
لماذا الترقية، باختصار
If a till still relies on swiping the magnetic stripe, it’s carrying fraud liability, running on a technology the card networks are retiring, and asking customers to do something slower than the tap they now expect. Upgrading to EMV chip and contactless fixes all three — and often only the payment device needs to change. The case in brief:
| Reason to upgrade | What it means | |
|---|---|---|
| Fraud liability | Chip acceptance shifts counterfeit card-present liability off you | — |
| Stripe phase-out | The networks are retiring the magnetic stripe over coming years | — |
| Customer expectation | Tap (contactless) is now the norm — and the fastest | — |
| Usually a device, not a system | Often add an EMV/contactless reader to your existing POS | — |
كيف تختلف الشريحة واللاتلامسي عن الشريط
The stripe and the chip carry the same card data very differently — and that difference is the whole security story:
| Magnetic stripe (swipe) | EMV chip (insert / tap) | |
|---|---|---|
| Data | Static data, easily copied | Dynamic, cryptographic per-transaction |
| Counterfeit resistance | Low — clonable | High — chip data can't be replayed |
| How it's used | Swiped | Inserted (dip) or tapped (contactless/NFC) |
| Speed | Fast but insecure | Insert slower; tap fastest |
| Direction of travel | Being phased out | The standard going forward |
Contactless is EMV too: a tap runs the same chip-grade cryptography over NFC in about a second. So “chip” and “tap” aren’t rival technologies — they are two ways to use the same secure EMV rails, and a modern reader supports both.
تحوّل المسؤولية والتخلّص من الشريط
Two policy forces make this an upgrade with a deadline, not an optional nicety:
| Force | What happened / is happening | |
|---|---|---|
| Liability shift | Liability for counterfeit card-present fraud moved to the party using the less secure tech (US: Oct 2015; similar elsewhere) | — |
| Effect on merchants | Swipe a fraudulent chip card you could have dipped → you may bear the loss | — |
| Stripe phase-out | Card networks are removing the magnetic stripe from cards in stages over the coming years | — |
| Net result | Swipe-only acceptance carries both liability and an expiry date | — |
أنواع القرّاء والقبول
When you choose an acceptance device, the goal is one reader that covers every card a customer might present:
| Acceptance method | How | Keep it? | |
|---|---|---|---|
| Chip insert (dip) | Card inserted, chip read | Yes — core EMV | — |
| Contactless (tap / NFC) | Card or phone tapped | Yes — fastest, expected | — |
| Magnetic stripe (swipe) | Legacy fallback | For now — for older cards | — |
| Mobile wallets | Phone/watch via NFC | Comes with contactless | — |
ما يجب مراعاته في قارئ EMV/لاتلامسي
The four checks that decide whether a reader will actually work for you:
| Confirm | Why it matters | |
|---|---|---|
| Chip + contactless (NFC) | Accept both; swipe fallback for legacy cards | — |
| Processor / gateway certified | Must be certified for YOUR processor — the #1 gotcha | — |
| PCI / security compliant | Meets current PIN/security requirements | — |
| Connectivity to your POS | USB, serial, Ethernet or Bluetooth as your setup needs | — |
خطة انتقال
A clean migration path from swipe-only to chip + contactless:
- 1
Confirm processor support
Ask your processor/gateway which EMV+contactless devices are certified for your account, and whether your POS software supports them. This drives every later step. - 2
Choose the device
Pick a reader/terminal that accepts chip and contactless (and swipe fallback), is processor-certified, PCI-compliant, and connects to your POS the way you need. - 3
Install and connect
Connect the device to the POS, load any required driver/configuration, and complete the processor’s onboarding/activation for the new hardware. - 4
Test every method
Run test transactions for chip-insert, contactless tap, and swipe fallback, and confirm settlement with your processor before going live. - 5
Train staff and go live
Show staff to prompt “insert or tap,” handle declines, and use swipe only as a fallback. Then switch the lane over.
Browse card readers and related parts in our card readers & scanners category, plus terminal repair parts and POS terminals. If your current magnetic-stripe reader is simply failing (a separate issue from upgrading), see our MSR card reader troubleshooting guide; and to connect the new device, the interface & connectivity guide. Tell us your POS and processor and we’ll help match a compatible EMV/contactless device — confirm certification with your processor first.
الأسئلة الشائعة
لماذا يجب على تاجر ما زال يعتمد التمرير الترقية إلى EMV واللاتلامسي؟
ما هو 'تحوّل المسؤولية' EMV بالضبط؟
هل سيختفي الشريط المغناطيسي فعلًا؟
ما الفرق بين إدخال الشريحة واللاتلامسي؟
هل أحتاج POS جديدًا بالكامل أم قارئًا جديدًا فقط؟
ماذا أؤكّد قبل شراء قارئ EMV/لاتلامسي؟
المصادر والمراجع الإضافية
- EMV 101: Everything You Need to Know — CardConnect
- EMV Basics That Merchants Need to Know — Worldpay
- What Is EMV? A Guide to Chip & PIN Security for Merchants — Clover
- EMV Chips & the Liability Shift — Chargeback Gurus
- EMV and NFC: Enabling Secure Contactless Payments — EMV Connection
أدلة ذات صلة
أجهزة POS المدمجة مقابل المعيارية: أيّها تشتري (وكيف يؤثّر كلٌّ في الإصلاحات)
المدمج أنيق وسريع النشر؛ والمعياري مرن وأرخص في الترقية والإصلاح. الجواب الصحيح يعتمد على حجمك وخطط نموّك — وكيف تريد التعامل مع الأعطال.
اقرأ الدليل →دليل شراء ماسح الباركود: ليزر 1D مقابل مصوّر 2D، سلكي مقابل لاسلكي، يدوي مقابل بلا يدين
سؤالان يحسمان الأغلب: هل تمسح شاشات هواتف (إذًا 2D)، وهل منضدتك مزدحمة بما يكفي لتريد بلا يدين؟ إليك كيف تتطابق التقنية والشكل والاتصال مع الاستخدام الفعلي.
اقرأ الدليل →قاطعات طابعة الإيصالات الأوتوماتيكية: مقصلة مقابل دوّارة، قطع جزئي مقابل كامل، وعمر الشفرة
مقصلة أم دوّارة؟ قطع جزئي أم كامل؟ القاطعة هي القطعة المتحرّكة الأكثر استخدامًا في طابعة الإيصالات — النوع والوضع الصحيحان يبقيان الممر سريعًا والإيصالات مرتّبة.
اقرأ الدليل →فئات ذات صلة
قطع غيار مميزة
هل تحتاج إلى القطع المذكورة في هذا الدليل؟
قطع OEM أصلية وبدائل مختبرة في المصنع لأنظمة IBM و Toshiba و NCR و Diebold و Wincor و Hyosung — مع شحن عالمي.


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