# Introduction

For all EFT protocols, the payment modes must be correctly configured. The configuration is the same regardless of the protocol used. The different payment modes serve first and foremost to activate the payment terminal in order to take card payments, then, they compile the following statistics and data:

* The type of card used; either a debit card, credit card or a banking card, such as Interac Debit.
* The brand of the card used, such as Visa, Mastercard, AMEX, Discover, etc.
* The sale amount.
* The amount authorized for payment.
* The tip amount, if any.
* The last 4 digits of the card number.

### "EMV" Standards

Since the mandatory implementation of EMV (Europay, Mastercard, Visa) Standards around 2010, merchants have tried to limit card handling by cashiers/clerks as much as possible. This way, the payment cards remain in the customer's hands at all times, giving them a feeling of security and effectively limits the possibility of fraud by card skimming.

Since it is now difficult for the merchant to know in advance what kind and brand of card will be used for payment, Veloce uses the information returned by the terminals to know which card type and brand was used, along with other information about the payment.

 

Related Topics

[Generic Credit/Debit Payment Mode](/payfacto-knowledge/veloce-pos/veloce/electronic-funds-transfer-eft/payment-modes-for-eft/generic-credit-debit-payment-mode.md)

[Interac Debit Payment Mode](/payfacto-knowledge/veloce-pos/veloce/electronic-funds-transfer-eft/payment-modes-for-eft/interac-debit-payment-mode.md)

[Credit Card Payment Modes](/payfacto-knowledge/veloce-pos/veloce/electronic-funds-transfer-eft/payment-modes-for-eft/credit-card-payment-modes.md)


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