ATM Owners and Operators

atm

With the upcoming EMV chip liability shifts for ATM transactions, there are a lot of considerations that ATM owners and operators need to be aware of as they migrate to chip technology. The resources on this page provide a range of educational material – from EMV basics to detailed guidance on the choices that ATM owners and operators need to make to support chip technology.

 

EMV Fundamentals

  • Chip Card Video
    This video explains what chip cards are, why consumers are receiving them, and how to use them in stores and at ATMs.
  • EMV 101 Webinar
    This recorded webinar provides a primer on EMV chip payments. The webinar provides comprehensive overview of EMV chip payments, including the EMV transaction flow and options for card authentication, cardholder verification and transaction authorization.
  • Glossary of Standardized Terminology
    The glossary defines a set of standard terminology for common chip, EMV, and EMV migration terms for use in educational and marketing communications relating to the U.S. migration.
  • Minimum EMV Chip Card and Terminal Requirements – U.S.
    This resource defines the minimum card and terminal EMV requirements for payment networks American Express, Armed Forces Financial Network (AFFN), China UnionPay, Discover, Jeanie, MasterCard, NYCE, PULSE, SHAZAM, STAR and Visa, in the context of the U.S. electronic payments marketplace and the October 2015 liability shifts.

 

ATM EMV Technical Education and Implementation Guidance

 

EMV Technical Education and Implementation Guidance

  • Cardholder Verification Methods: Concepts, Implementations, and Impacts 
    This video recording reviews EMV Cardholder Verification Method concepts, implementation and impact on issuers, ATM owners, merchants, and cardholders.
  • Contact Chip Card Online Authentication
    This animated presentation provides a clear description of how an EMV transaction is secured using “cryptograms.”
  • EMV Best Practices Web Resource
    The searchable best practices web resource to provide easy-to-find answers on commonly asked questions about best practices for implementing EMV chip technology.
  • EMV Chargeback Best Practices
    This white paper discusses the appropriate treatment and mitigation of both counterfeit and lost/stolen chip liability shift chargebacks occurring after the liability shift dates for contact chip cards used in attended transactions. The white paper includes best practices for issuers, merchants (both chip-enabled and non-chip-enabled) and acquirers.
  • EMV Implementation Guidance: Fallback Transactions
    This guidance document was developed for merchants, independent software vendors (ISVs), value-added resellers (VARs) and acquirers/processors who may have been experiencing high fallback rates.  The guidance outlines potential causes of fallback transactions and actions that can be taken to address the problem.

 

Payments Industry Resources on EMV

 

Other Payments Industry Resources