ATM Owners and Operators

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.
  • 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.
  • 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.
  • 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.


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.
  • Consumer Interactions at the POS
    The U.S. Payments Forum developed this resource provide education on consumer interactions with payment terminals that can be used to develop practical guidance for safer in-store payments.
  • 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.
  • 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.
  • 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.
  • How Emerging Data Elements Can Support Mobile Wallet Use Cases
    This U.S. Payments Forum resource provides an overview of emerging data elements and their use in face-to-face transactions initiated from non-traditional payment devices.
  • Mobile Payments Standards Glossary
    This U.S. Payments Forum reference lists standards and standards bodies that are applicable to mobile or contactless payments.
  • Tips for Cleaner Payments
    The U.S. Payments Forum developed this resource to provide practical tips for a “cleaner” payment experience for merchants, ATM owners and consumers.


Payments Industry Resources on EMV


Other Payments Industry Resources