How EMV has grown beyond the chip on a card
Payments Source
JULY 8, 2020
The role of EMVCo — which is often seen as an extension of the card brands that deals only with chip-based EMV plastic cards— has come into sharper focus.
EMV Related Topics 
EMV deadline nears for gas stations, but many won't make it
Payments Source
MARCH 15, 2021
After postponing enforcement for years, the card brands are implementing an EMV liability shift at fuel stations, which still struggle to make the upgrades necessary for chip-card acceptance.
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New EMV checkout standards look to create secure, frictionless environment
Payments Dive
JUNE 14, 2019
The new EMV Secure Remote Commerce specifications may provide a solution to a longstanding problem with ecommerce checkout creating friction for consumers and being vulnerable to fraud.
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EMV Holdouts Are Running Out of Time and Luck
Payments Source
SEPTEMBER 13, 2016
Nearly a year after the October 2015 liability shift, a mere 17% to 37% of all US merchants have adopted EMV POS terminals.
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144 EMV at One Year: Did We Do the Right Thing?
Payments Source
OCTOBER 2, 2016
EMV chip cards have delivered on their promise to halt counterfeit fraud at the physical point of sale. But for a technology developed long before the invention of e-commerce, mobile wallets and the word "omnichannel," delivering on its promise still feels like falling short.
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The Race for Faster EMV Gets Crowded
Payments Source
OCTOBER 6, 2016
As more merchants worry about EMV card slowdowns ahead of the holiday shopping season—when bottlenecks at checkout points could lead to many lost sales—more companies are coming up with their own ways to slash EMV payment times.
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Card networks face pushback over mobile EMV acceptance tech
Payments Source
NOVEMBER 11, 2020
EMVCo, the major card brand-supported venture to establish EMV guidelines and specifications, has begun testing a program to determine if consumer mobile devices can securely accept contactless payments — a move that not only hastens the adoption of contactless payments, but renews criticism over which networks control technology and routing decisions. (..)
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For restaurants, pay-at-table devices are a chance to catch up with EMV
Payments Dive
JUNE 15, 2017
Pay-at-the-table devices, which generally accept both EMV and contactless payments, could start to appear at restaurants in a big way during the next couple of years.
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Too many missteps undermine the EMV migration
Payments Source
OCTOBER 20, 2016
While card issuers took a step in the right direction by replacing the fraud-prone magnetic stripe cards of the past, they made many missteps that complicated and weakened the EMV transition.
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EMV boosts security, but biometrics secure card identity
Payments Source
NOVEMBER 14, 2016
Biometrics can help solve this problem, and will also prove handy as EMV cards migrate to smartphones. There are security gaps in chip cards that are vulnerable to new types of skimming.
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Potential delays aside, gas EMV is coming. And it's expensive.
Payments Source
APRIL 9, 2020
With the EMV liability shift date for automated fuel dispensers (AFD) looming, subject to any last-minute changes, we are seeing major changes at fuel sites across the USA. With close to 150,000 active fuel sites in the US alone, there are a huge number of individual pumps that will need to be upgraded to accept chip and PIN cards.
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Get Used to EMV. It's More Than a Passing Fad.
Payments Source
APRIL 19, 2016
On any given day, there are countless articles circulating about the issues associated with EMV and how it will soon be replaced by the next big thing. However, EMV is here to stay, and, despite some who claim otherwise, that’s a good thing.
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Square Cuts Seconds from EMV Card-Processing Time
Payments Source
SEPTEMBER 26, 2016
’s $49 contactless card reader, there’s a new enticement to consider: Square has sped up the time it takes to accept EMV cards by 1.5 For merchants still on the fence about whether to buy Square Inc.’s seconds.
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Gas stations get reprieve on EMV deadline from Visa, but will that suffice?
Payments Source
MAY 4, 2020
gas station EMV compliance, but that’s just one of a mounting set of challenges petroleum merchants are facing because of the coronavirus. Visa’s the first card company to push back the October deadline for U.S.
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118 EMV Leaves a Poor Taste with More Restaurateurs
Payments Source
FEBRUARY 28, 2016
EMV liability shift for counterfeit card fraud went into effect, most restaurants aren't processing chip cards, and that's not changing anytime soon, according to a top executive at Heartland Payment Systems. Five months after the U.S.
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'Digital ID' Is the Solution for EMV's Online Blind Spot
Payments Source
SEPTEMBER 19, 2016
In order to successfully and scalably combat card-related fraud and digital payments hacking, organizations need to rely less on standards like EMV and PAN/PRN, and recognize today’s currency is no longer just about money.
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EMV Can Also Benefit Health Care Payments
Payments Source
APRIL 13, 2016
migration to EMV chip technology – intended to reduce card fraud, provide global interoperability, and enable safer payment transactions – may prove to be a valuable move for more than just the payments industry.
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EMV, mobile ordering upgrades challenge restaurant industry
Payments Dive
MAY 29, 2018
New foodservice technologies — including self-order kiosks, mobile ordering and EMV-enabled payment systems — are being introduced at a rapid pace. Operators with existing POS investments need to be able to integrate new capabilities into their existing systems.
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Why Do Merchants Want Shoppers to Swipe EMV Cards?
Payments Source
MARCH 17, 2016
Consumers who have been issued EMV chip cards know how to use them. So it might come as a surprise when merchants equipped with chip card readers instruct their customers to swipe their cards instead.
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EMV 'bum's rush' is a disaster for merchants and consumers
Payments Source
NOVEMBER 13, 2016
Evidence exists that in most markets in which public regulators oversaw EMV implementations, the results were much better for merchants and consumers.
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105 Data: What EMV overlooked
Payments Source
SEPTEMBER 12, 2018
EMV coverage has gaping holes—including smaller financial institutions that haven’t fully converted to EMV and millions of merchant locations still not accepting chip cards.
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83 Starbucks subtly plugs its app as the cure for EMV pain
Payments Source
NOVEMBER 17, 2016
Typically merchants post signs at EMV terminals to tell their customers how they work, or that they should keep swiping. Starbucks is taking a more forward-thinking approach by treating EMV frustration as a mobile marketing opportunity.
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98 Self-service industry lags with EMV compliance
Payments Dive
MARCH 23, 2018
The future state of self-service is turning the kiosk into a stand-alone store, and secure payment is one of the services that needs to be offered for it to be effective, says Ingenico's John Menzel, who recently shared his insights on EMV compliance in self-service.
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Merchants in Legal Hot Water After EMV Shift
Payments Source
JULY 5, 2016
Merchants are facing consumer lawsuits stemming from the introduction of EMV-chip card security at the point of sale in the U.S., exposing the issues many stores must contend with now that they are held liable for fraud and chargebacks.
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The U.S. edges out Western Europe for second most EMV chip cards deployed
Payments Source
MAY 29, 2020
American financial institutions have surpassed 1 billion EMV chip cards in force to take second place in total EMV cards deployed, behind only the global leader, Asia Pacific.
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EMV nearing half of all card payments worldwide
Payments Source
DECEMBER 14, 2016
The percentage of EMV transactions in the United States is miniscule compared to other parts of the world, but the migration to chip cards in the U.S. is lifting the technology's global growth — now at 42.4% of all card transactions.
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97 Talking With: Gemalto's Jack Jania about EMV at the fuel pump
Payments Dive
APRIL 11, 2017
The card networks decided late last year to show some mercy on fuel operators and pushed back their EMV deadline to Oct.
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Mastercard extends EMV deadline at gas pumps, adds fraud protection
Payments Source
MAY 18, 2020
In line with the other major card brands, Mastercard is extending its EMV liability shift at gas pumps to April 2021. It is also launching a data-driven fraud protection tool for fuel merchants who have not completed their upgrade to chip-card EMV pumps.
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Visa: EMV Cuts Card-Present Counterfeit Fraud By 80 Pct
PYMNTS
FEBRUARY 13, 2019
Merchants saw a drop in card-present fraud due to the increased adoption of Europay, Mastercard and Visa (EMV) chip cards, Visa said. million merchants now accept chip cards, which is an increase of 692 percent since the beginning of EMV migration, and almost 70 percent of storefronts in the United States now accept chip cards.
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PAAY Rolls Out Partner Platform To Complement EMV 3DS Technology
PYMNTS
AUGUST 13, 2020
PAAY has rolled out a partner platform to let merchants and payment providers implement and track EMV 3DS, a standard that aims to help prevent unauthorized card-not-present (CNP) transactions, throughout different merchant accounts. seconds on average through EMV 3DS.
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Why Many Restaurants Won’t Move on EMV—Yet
Payments Source
OCTOBER 6, 2016
For many restaurants that put originally put EMV on the back burner because of technical complexities and a lower general risk of counterfeit card fraud, waiting to support chip cards has proven to be the right decision.
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The EMV shift: Gas stations still have lots of work to do
Payments Source
NOVEMBER 6, 2020
But with the deadline fast approaching and no further extensions on the horizon, focusing squarely on accelerating EMV compliance is now the optimal decision for gas station owners, says Paysafe's Lori Griboski.
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EMV 3DS: Closing the Card Present/Card Not Present Auth Rates Gap
PYMNTS
AUGUST 14, 2020
Selling an EMV 3DS (also referred to as 3DS 2.0) When PAAY , a software-as-a-service company that protects merchants from fraud and increases authorization rates first started offering EMV 3DS, it had to do a lot in educating potential clients in the face of many saying: “We don’t want to hear about this.” The Path Forward .
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117 EMV hasn't ended the ATM skimming threat
Payments Source
APRIL 11, 2018
That weakness is the magnetic strip that still exists on all EMV cards, according to Nathan Horn-Mitchem, senior vice president and chief information security officer at Provident Bank. But resourceful crooks will relentlessly probe systems, processes, and people until they find a weakness or an opportunity.
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Payments is innovating too fast for EMV to be a main solution
Payments Source
APRIL 22, 2020
There is no denying that the upgrade to EMV will reduce certain types of fraud by noticeable amounts, but there should be no illusion that this is a “silver bullet” to a growing fraud trend, says The ai Corporation's James Crawshaw.
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Amex joins Visa in postponing U.S. gas EMV migration
Payments Source
MAY 5, 2020
American Express will delay the EMV fraud liability shift due to complications from the coronavirus, following reports that Visa has made a similar concession.
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Startup tackles truck stops' EMV pain
Payments Source
FEBRUARY 22, 2019
Fuel payment options in the trucking industry have long relied on private-label cards from giants like Comdata and WEX, but a new challenger called Gas Pos is hoping to break in by capitalizing on new payments technology and the looming gas-station EMV migration.
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Transit systems shouldn't confuse open loop pay with EMV
Payments Source
APRIL 23, 2020
While an EMV transit system is a form of account-based ticketing (ABT), this assimilation is problematic, says OSPT's Jean-Philippe Wolyniec.
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87 Why many gas stations don't want EMV — and what they're doing instead
Payments Source
SEPTEMBER 18, 2017
Unattended gas pumps would seem to be the perfect use case for EMV's anti-counterfeiting security, but many gas station owners are putting off their upgrades for as long as possible due to hardships that other retail categories don't face.
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EMV Chip Cards: What You Need to Know About PIN or Signature Cards and How They Work
Stax
MARCH 14, 2024
EMV (Europay, Mastercard, and Visa) chip card use has continued to expand in use since its tumultuous rollout in 2015. The EMV standard has now become a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions. What Types of EMV Chip Cards Are There?
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Fime Launches Industry’s First EMV® C-8 Contactless Kernel Testing Services
Fintech Finance
OCTOBER 18, 2024
Fime is proud to announce that it is the first to offer testing services in line with the EMV®* C-8 Contactless Kernel Specification**. The new EMV Contactless Kernel specification aims to simplify contactless payment acceptance.
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89 It's finally time to complete the U.S. EMV migration
Payments Source
JULY 9, 2020
To ensure safe, secure transactions that are protected against fraud, retailers moving to EMV have been encouraged by their POS partners to replace or upgrade the network infrastructure, says TNS' Brian DuCharme.
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84 Visa: EMV Rollout Continues; Counterfeit Fraud Down 76 Pct.
PYMNTS
MAY 30, 2019
Visa said this week that as acceptance of EMV cards has gained traction in the U.S., EMV” is shorthand for Europay, Mastercard and Visa chip cards. businesses began migrating to EMV, when 392,000 merchants had such acceptance in place. By way of contrast, EMV chips create one-time codes for transactions.
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