EMV 101: What You Need to Know Now

EMV 101: What You Need to Know Now U.S. consumers are beginning the migration from traditional mag-stripe credit and debit cards to EMV-based chip cards. Here’s what you need to know now. What it is: EMV stands for Europay, MasterCard and Visa, the global standard for cards equipped with computer chips and the technology used to authenticate chip card transactions. EMV encompasses requirements that ensure interoperability between POS terminals and chip-based payment cards containing embedded microprocessors. Chip cards are intended to provide strong transaction security features and other application capabilities not possible with traditional mag-stripe cards. Read more about what EMV isn't, here. Continue reading


Frictionless Commerce – Making EMV a Natural Choice

In commerce circles, EMV shares about as much media time as NFC and other forms of contactless payments. But curiously, the man-on-the-street neither really knows, or cares, that pretty soon his credit card will be a good bit heavier (and a bit more secure) thanks to the addition of a chip that lets it communicate with a payment terminal.

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Lessons Learned from UK’s EMV Success

While the UK has benefited from almost a decade of secure payments aided by EMV, the mag-stripe focused USA has become increasingly vulnerable. With fraud now a global business, the USA finds itself at risk not just from local villains but increasingly from organised criminal gangs from Europe and elsewhere. Continue reading


A Four Step Guide to EMV for Merchants – Part III

Just joining this series of posts? You can catch up on what you missed: Part I - Hardware and Environmental Considerations Part II - Software Changes and the Impact on Merchants In this third of four posts regarding the implementation of EMV for US based merchants, we will go beyond the hardware and software involved in facilitating the "between the card accepting terminal" and the chip card and specifically discuss Solution Set Certification. Continue reading