In planning migrations to EMV chip technology, acquirers/processors need to consider the requirements to support contact and contactless EMV chip technology and the support that will be required to equip merchants with EMV-compliant POS solutions.

The resources on this site provide a range of educational material – from EMV basics to detailed guidance on what acquirers and processors need to implement to support chip card transactions.

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.
    Developed by the U.S. Payments for merchants and issuers, the web site provides easy-to-use resources for merchants interested in enabling consumers to make contactless payments.
    Developed by the EMV Migration Forum and the Payments Security Task Force for consumers, merchants and issuers, the 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 Fraud Liability for EMV Contact and Contactless Transactions in the U.S.
    This updated U.S. Payments Forum white paper reviews payment network fraud liability policies for EMV contact and contactless transactions in the U.S.
  • Using Chip Cards
    See how chip cards are used to pay with this short video.

EMV Communications Best Practices

  • Debunking EMV Myths
    The U.S. Payments Forum created this guide to provide accurate information for all stakeholders communicating about contact and contactless chip technology, including card issuers, retailers and the media.
  • 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

  • Canadian Technical Card Acceptance
    This U.S. Payments Forum resource provides implementation guidance on application selection logic used by U.S. POS terminals to enable interoperability when processing Canadian cards.
  • 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.
  • Consumer Experience at the Contactless Point-of-Sale
    This U.S. Payments Forum white paper describes best practices for implementing contactless at the POS to reduce stakeholder and consumer confusion and to help contactless deliver fully on its benefits to merchants, issuers, consumers, and the entire payments ecosystem.
  • Contact Chip Card Online Authentication
    This animated presentation provides a clear description of how an EMV transaction is secured using “cryptograms.”
  • Contactless Resources: Implementation Considerations and Clarifications
    This U.S. Payments Forum resource provides guidance to assist merchants, acquirers and issuers with contactless payments implementation.
  • Dual-Interface Card Personalization
    This U.S. Payments Forum resource provides the issuing community with an educational resource on ODA and provides recommendations for issuing and personalizing dual-interface cards for the U.S. market.
  • 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.  The white paper describes EMV chip technology, discusses the impact of EMV for healthcare providers and hospital systems, and outlines how the healthcare industry can prepare for EMV chip migration.
  • 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 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
    The U.S. Payments 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 and Parking
    This Smart Card Alliance white paper was developed in partnership with theInternational Parking Institute to provide parking industry stakeholders with an educational resource about the critical aspects of deploying an EMV solution in the parking infrastructure.
  • EMV Payment Tokenization Primer and Lessons Learned
    This U.S. Payments Forum resource provides a primer on EMV payment tokenization and describes implementation lessons learned.
  • EMV Receipt Best Practices
    This U.S. Payments Forum white paper reviews recommendations and requirements for data elements found on receipts for chip-on-chip transactions
  • EMV Testing and Certification White Paper: Current Global Payment Network Requirements for the U.S. Acquiring Community
    The EMV Migration Forum Testing and Certification Working Committee published this updated white paper to define the current processes required to test EMV chip transactions with American Express, Discover, MasterCard, and Visa. The white paper is intended to provide a clear approach to acquirer host and EMV chip terminal testing and certification 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.
  • EMV Troubleshooting Guide for ATM Owners and Operators
    This U.S. Payments Forum white paper provides guidance for ATM owners/operators to help prevent and troubleshoot common transaction problems.
  • Guidelines for Contactless ATM Transactions – A Guide for ATM Owners and Operators. This U.S. Payments Forum white paper provides guidelines and best practices for accepting contactless transactions completed with Near Field Communication (NFC)-enabled mobile wallets and contactless-enabled chip cards at the ATM.
  • Implementing EMV at the ATM
    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.
  • Implementing EMV at the ATM: PIN Change at the ATM
    This EMV Migration Forum white paper provides guidance provide for ATM owners and issuers who are contemplating implementing PIN change at the ATM as part of, or subsequent to, their U.S. EMV migration.
  • 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.
  • Large Scale Payment Data Breaches Highlight Need for U.S. Card Issuers and Retailers to Move More Quickly to Smart Chip Payment Technology
    This brief discusses the security features of EMV chip payment technology and summarizes how these features strengthen the security of payment transactions.
  • Managing Card-Based Tip and Gratuity Payments for EMV Chip
    The U.S. Payments 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 and Issuer Error Data Collection Forms
    Payments Forum resource provides a tool for gathering information to determine the source of transaction errors.
  • 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.
  • 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.
  • Petroleum Industry: EMV FAQ
    This U.S. Payments Forum Petroleum Working Committee resource answers frequently asked questions about EMV chip implementation for petroleum retailers.
  • 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.
  • Signature Best Practices
    This U.S. Payments Forum white paper reviews suggested best practices for capturing and storing signatures on receipts, with input from global and domestic payment networks.
  • Technologies for Payment Fraud Prevention: EMV, Encryption and Tokenization
    This white paper describes the role of EMV, encryption and tokenization for securing the payments infrastructure and preventing payment fraud.
  • Testing & Certification Terminology
    This U.S. Payments Forum glossary defines terms used in acquirer EMV testing and certification forms.
  • Transit Contactless Open Payments: Technical Solution for Pay As You Go
    This U.S. Payments Forum Transit Contactless Open Payments Working Committee resource provides technical solution guidance for implementing transit contactless open payments use cases with contactless EMV cards and NFC-enabled mobile devices
  • U.S. Debit EMV Technical Proposal
    This EMV Migration Forum white paper defines recommendations for a debit technical framework for the U.S. payments industry.

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

Payments Industry Resources on EMV

Other Payments Industry Resources

  • Biometric Payment Cards
    This Secure Technology Alliance white paper provides a primer on biometric payment cards for issuers, issuer processors, payment networks and merchants.
  • Understanding the True Costs of Fraud
    This U.S. Payments Forum white paper reviews use cases illustrating the hard and soft costs of fraud for consumers, merchants and issuers.

Other Payments Industry Resources