EMV Resources


Financial institutions in the United States, Europe, Latin America, Asia/Pacific and Canada are issuing contact or dual-interface EMV smart cards for credit and debit payment or migrating to EMV issuance.

The EMV Connection web site provides up-to-date EMV migration information and educational resources.

New Resources

  • 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.
  • Chip Card Video
    This video educates consumers on chip cards, why they’re receiving them, and how to use them in stores and at ATMs.
  • Chip Education for VARs, ISVs and Merchants
    The Payments Security Task Force and EMV Migration Forum collaborated to develop educational chip education webcasts for U.S. value added resellers, independent software vendors and merchant
  • Contactless EMV Payments: Benefits for Consumers, Merchants and Issuers
    This Smart Card Alliance white paper provides a fresh look at contactless payments in the current U.S. payments environment that is embracing both EMV and NFC-enabled mobile devices.
  • Contactless EMV Payments: Merchant Opportunities
    This webinar, hosted by the Smart Card Alliance Payments Council, discusses the opportunities that contactless EMV payments offer to merchants. The webinar answers the most important questions about the adoption of contactless payments, such as: how contactless fits into today’s payment industry; what is different from earlier adoption attempts; and why the ideal time to go contactless is now.
  • GoChipCard.com
    Developed by the EMV Migration Forum and the Payments Security Task Force for consumers, merchants and issuers, the GoChipCard.com web site provides easy-to-use and simple resources, and consistent messages about chip cards and their use
  • EMV 101 for the Healthcare Industry
    This Smart Card Alliance white paper was developed to provide an educational resource on EMV chip migration for the healthcare industry.
  • EMV Best Practices Web Resource
    The EMV Migration Forum developed this searchable 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 and webinar discuss 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 and webinar include best practices for issuers, merchants (both chip-enabled and non-chip-enabled) and acquirers.
  • EMV Chip Cards: The Future of Payments
    This infographic explains the must-know facts about U.S. EMV Migration
  • EMV Implementation Guidance: Fallback Transactions
    The EMV Migration Forum developed this guidance document 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.
  • EMV and NFC: Complementary Technologies Enabling Secure Contactless Payments
    This Smart Card Alliance white paper explains how EMV and NFC are companion technologies and clarify how they work together to enable secure payments.
  • EMV Testing and Certification White Paper: Current Global Payment Network Requirements for the U.S. Acquiring Community
    This updated white paper defines the current processes required to test EMV chip transactions with American Express, Discover, MasterCard, and Visa and includes examples of use cases that identify when testing or retesting is required for EMV chip and contactless terminals, when retesting is recommended as a best practice, and when only standard internal testing is advised.
  • The Evolution of Payment Specifications and Tokenization Webinar Series
    The Smart Card Alliance and EMVCo hosted a two-part webinar series to review the status of payment specifications and tokenization.
  • Healthcare Identity Authentication and Payments Convergence: A Vision for the Healthcare Industry
    This Smart Card Alliance white paper was developed to outline a vision for healthcare identity authentication and payments convergence and to provide insight into the opportunities and challenges afforded to the healthcare community as the U.S. migrates to EMV.
  • Implementing EMV at the ATM White Paper – Version 2
    This EMV Migration Forum white paper provides an educational resource for stakeholders responsible for the implementation of EMV at the ATM in the U.S. The white paper includes discussion of the use of the U.S. Common Debit AID in various ATM transaction scenarios
  • Implementing EMV in the U.S.: Best Practices in Support of EMV Instant Issuance
    This white paper provides an educational resource for issuers that documents the best practices for transitioning an existing instant issuance solution to support the issuance of EMV chip cards.
  • Implementing EMV in the U.S.: How the U.S. Common Debit AIDs Facilitate Debit Transaction Routing and Ensure Durbin Compliance
    This video recording provides an overview of the U.S. Common Debit AIDs and how they facilitate debit transaction routing and ensure Durbin compliance.
  • Managing Card-Based Tip and Gratuity Payments for EMV Chip
    The EMV Migration Forum is providing information on how to best manage tips and gratuities as the U.S. migrates to chip, and what options restaurant owners and other merchants in travel and entertainment can pursue.  This document is intended to provide a high-level overview of tip processing in EMV chip environment.
  • Merchant Processing during Communications Disruption
    This white paper was developed to discuss best practices for merchants processing EMV chip transactions when communications are disrupted. The white paper discusses three processing options: EMV offline authorization; deferred authorization of an EMV card transaction; and force post of an EMV card transaction.
  • 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. The July 2016 Version 2 release updates the minimum requirements matrix for chip deployment, including changes to incorporate requirements for the recently announced faster EMV solutions from American Express, Discover, MasterCard and Visa.
  • Near-Term Solutions to Address the Growing Threat of Card-Not-Present Fraud
    This EMV Migration Forum white paper provides an educational resource on the existing best practices for authentication methods and fraud tools to secure the card-not-present (CNP) channel, given the potential increase in CNP fraud as EMV chip cards replace magnetic stripe only cards in the U.S.
  • Near-Term Solutions to Address the Growing Threat of Card-Not-Present Fraud webinar
    This recorded webinar discusses the best practices for authentication methods and fraud tools to provide protection of the card-not-present channel.
  • Optimizing Transaction Speed at the POS
    This U.S. Payments Forum white paper presents on three categories of approaches to help speed transactions and discusses their potential impacts for each stakeholder group in the U.S. payments ecosystem: “Faster EMV” solutions, contactless/Near Field Communication (NFC) transactions, and other EMV checkout optimization practices. For each category, a detailed description and analysis are presented, including considerations and implications for various stakeholder groups.
  • Payment Network EMV Migration Milestones
    This summary outlines the key payment network milestones
  • PIN Bypass in the U.S. Market  
    The white paper was developed to provide an educational resource on the EMV function of PIN Entry Bypass, how it can be implemented in the U.S. market, other actions that may process transactions allowing selection of cardholder verification method, and how those actions differ from PIN Entry Bypass.
  • Understanding the 2015 U.S. Fraud Liability Shifts
    This resource provides information that was collected from Accel, American Express, China UnionPay, Discover, MasterCard, NYCE Payments Network, SHAZAM Network, STAR Network and Visa on the counterfeit and lost or stolen liability shifts to assist merchants, acquirers, processors and others implementing EMV chip technology in the U.S. with their migration

Popular Resources

Stakeholder-Specific Resources

Information specific to industry stakeholders can be found at the links below.