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EMV® Chip Card Technology

Accept EMV chip cards — the standard in payment security

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If you are not currently accepting EMV® chip card payments, you may be putting your business at risk – and missing opportunities to better serve your customers.

EMV chip cards are already giving millions of credit and debit card customers enhanced security and greater convenience. And as of October 1, 2015, if you’re not processing payments with EMV-enabled equipment, you could be responsible for fraudulent card-present transactions, instead of the card issuer. With EMV chip technology, you can:

  • Help prevent fraud. EMV chip cards use an embedded microchip to safeguard payment information and help prevent fraud.
  • Help reduce your liability. Merchants may be held financially liable for card-present fraud that could have been prevented by EMV chip technology.
  • Expand your business. Most EMV chip-enabled terminals can also accept mobile payments including Apple Pay®, Google PayTM, and Samsung Pay.

What is EMV chip technology?

  • EMV chip technology allows EMV chip cards to feature an embedded microchip to protect customer data. When used with EMV chip-enabled terminals, payment information changes with each transaction making it more difficult to counterfeit.
  • EMV chip technology also allows EMV chip-enabled terminals to accept other customer payment methods such as contactless and mobile payments.
  • EMV chip technology is already the standard in many countries worldwide.

Why EMV chip technology matters to you

To speed the adoption of EMV chip technology, Visa®, Mastercard®, American Express®, and Discover® changed the way liability works for card-present transactions. As of October 1, 2015, if a customer presents an EMV chip card, and you don’t properly process it with EMV-enabled equipment, you may be liable for the loss in the event of card-present fraud. If you don’t already have EMV-enabled equipment, we can help you make  the upgrade or transition.

We can help you invest in the right equipment for your business, your security, and your customers. Consider products that support:

  • EMV. Merchants may be held financially liable for card-present fraud that could have been prevented by EMV chip technology. Avoid costly chargebacks by uprading to EMV chip-enabled equipment.
  • PIN. Select equipment that supports PIN as a form of cardholder verification for EMV chip credit and debit cards.
  • Other payment methods. Make it convenient for your customers and choose equipment with a broad range of payment capabilities. These include accepting EMV chip cards, contactless cards, and mobile payments like Apple Pay, and Google PayTM, as well as magnetic stripe cards.

For more information about accepting EMV chip cards, visit our frequently asked questions.

Payment processing that works for your business

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EMV stands for Europay, Mastercard and Visa. EMVCo sets the standards for EMV chip cards and EMV terminals. Many countries worldwide already use the EMV chip card technology.