EMV Receipt Best Practices
Publication Date: June 2017
EMV is being implemented in the United States, as it has in other countries, with the goal of reducing counterfeit card-present fraud. In particular, counterfeit card-present fraud can be significant among overall payment card fraud in the U.S. and EMV can be an effective tool in reducing this fraud once the number of chip-enabled cards and chip-supporting payment acceptance devices reaches critical mass.
In connection with EMV processing and certification, each payment network, acquirer processor and various other industry stakeholders have specific written requirements, recommendations and guidelines, which include receipt printing for EMV transactions. For all stakeholders, navigating these sometimes conflicting and confusing requirements can be challenging.
The U.S. Payments Forum Communications and Education Working Committee’s white paper aims to clarify applicable recommendations and requirements regarding data elements most commonly found on receipts for chip-on-chip transactions, and focuses on EMV-related items. It does not replace or propose any approach inconsistent with applicable rules or requirements published by payment networks, processors, EMVCo or other stakeholders. Merchants, acquirers, processors, integrators and others ultimately need to make their own independent decisions regarding transaction receipt data elements, keeping in mind applicable rules, requirements and guidance. The information provided in this paper is intended to help all relevant stakeholders – including merchants, acquirer processors, consumers and payment networks – make informed decisions in this regard.
The white paper covers the following topics:
- Reviews stakeholder impact of what is printed and included electronically for consumer and merchant EMV transaction receipts
- Provides receipt recommendations by payment network for online- and offline-authorized transactions
- Summarizes input from other sources that impacts what is included on consumer and merchant EMV transaction receipts
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