User's Manual
Onity HT24W / HT28 Smart  Hardware • 93 
Encoding Smart Cards 
Smart cards can hold a very large amount of data, so the encoding process is longer 
than with magnetic cards. The security features used by microprocessor cards can 
also lengthen the encoding time. Overall, the time to encode a smart card is still only 
a few seconds. 
Because of the memory structure of smart cards, brand new cards require an 
initialization process to claim an area of memory for use by Onity. This process, 
called personalization, may take a few seconds. 
If using the HT22M encoder, the process for encoding the smart card is the same as 
for encoding the magnetic stripe cards. Insert the smart card into the encoding deck 
of the HT22M with the chip facing up. 
If using the external smart card encoder, the cards are inserted into the external 
encoder as shown in the picture below, with the gold contacts facing the GCR410 
logo. 










