Merchants

The capabilities of the merchant point-of-sale (POS) system play a pivotal role in the success of any payment innovation. Issuers can distribute EMV chip cards, but the fraud reduction benefits of chip technology won’t be realized if merchants can’t accept the cards. With the October 2015 fraud liability shift, merchants who do not implement EMV-compliant terminals will be responsible for certain types of fraud. Planning an EMV migration strategy is a top priority for all merchants.

The resources on this site provide a range of educational material – from EMV basics to detailed guidance on what merchants should consider to develop a roadmap to accept chip cards and devices.


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.
  • Chip Education for VARs, ISVs and Merchants
    These recorded webcasts were developed by the Payments Security Task Force and EMV Migration Forum to provide educational resources for U.S. value added resellers, independent software vendors and merchant.
  • 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.
  • EMV Chip Cards: The Future of Payments
    This EMV Migration Forum infographic explains the must-know facts about U.S. EMV Migration.
  • The EMV Ecosystem: An Interactive Experience for the Payments Community
    This interactive PowerPoint presentation provides an overview of the full EMV ecosystem, with participants who play roles in EMV issuance, acceptance and transaction processes.
  • EMV Frequently Asked Questions
    This FAQ answers common questions about EMV.
  • 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. Merchants and issuers are encouraged to use the website content in developing communications with customers, cardholders and employees. Merchant and issuer resources include a training FAQ, a merchant infographic and communications best practices.
  • 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.
  • Understanding the U.S. EMV Fraud Liability Shifts
    This U.S. Payments Forum white paper provides information that was collected from payment networks on the counterfeit and lost or stolen fraud liability shifts for POS devices, ATMs, and AFDs.
  • Using Chip Cards
    See how chip cards are used to pay with this short video.


EMV Communications Best Practices

  • Effective Communication Practices for U.S. Chip Migration Webinar
    This recorded webinar provides guidance to help industry stakeholders create sound communication strategies that will help the U.S. market understand and embrace chip payments and their many security benefits.
  • Glossary of Standardized Terminology
    The EMV Migration Forum developed a glossary that 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.
  • Recommended Communications Best Practices.
    This guide provides a step-by-step resource for issuers and merchants to develop effective messaging and education approaches during the U.S. migration to chip technology.


EMV Technical Education and Implementation Guidance


EMV White Papers


Card-Not-Present Transactions


EMV Workshops

  • EMV Workshop for VARs, ISVs and ISOs.
    This recorded workshop provides a comprehensive review of chip technology and focused sessions on the development process and implementation best practices.
  • How EMV Changes Payment Workshop.
    This video workshop provides an in-depth educational resource to assist issuers, acquirers/processors and merchants plan for EMV migration.


EMV Educational Webinars

  • Accepting EMV Chip Payments at the Fuel Pump
    This recorded U.S. Payments Forum webinar provides an overview of EMV chip technology and key considerations for petroleum merchants migrating to EMV.
  • Contactless EMV Payments: Issuer Opportunities
    This webinar, hosted by the Smart Card Alliance Payments Council, discusses the opportunities that contactless EMV payments offer to issuers. 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.
  • 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.
  • EMV Chargeback Best Practices
    This recorded U.S. Payments Forum webinar 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.
  • EMV for Merchants and Acquirers: U.S. Migration Considerations.
    This webinar provides a primer on EMV for U.S. merchants and acquirers.
  • 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.
  • Implementing EMV at the ATM Webinar
    This EMV Migration Forum webinar recording provides a non-technical review of the critical components of the EMV implementation process at ATMs.
  • Merchant Considerations for U.S. Chip Migration
    This webinar, held in partnership with the National Retail Federation, will provide guidance to educate merchants on the global use of chip cards, the status of the U.S. migration, considerations for making the decision to accept chip payments, and tools to begin project planning for chip card acceptance implementation.
  • 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.


Payments Industry Resources on EMV


Other Payments Industry Resources