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.

Communications Resources

  • 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.
  • 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.
  • EMV Chip Card B-Roll
  • EMV Chip Cards: The Future of Payments infographic
    This infographic explains the must-know facts about U.S. EMV Migration
  • GetContactless.com web site
    Developed for merchants, the GetContactless.com web site provides easy-to-use resources for merchants interested in enabling consumers to make contactless payments
  • Glossary of Standardized Terminology
    This 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.
  • GoChipCard.com web site for consumers merchants and issuers
    Developed 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
  • Mobile and Contactless Payments Glossary
    This resource defines mobile and contactless payments terms to encourage cross-industry standardization of terminology.
  • 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.

White Papers and Implementation Guidance

  • Biometric Payment Cards
    This Secure Technology Alliance white paper provides a primer on biometric payment cards for issuers, issuer processors, payment networks and merchants.
  • 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.
  • CNP Fraud around the World
    This U.S. Payments Forum white paper reviews the status of CNP fraud in countries that have migrated or are in the process of migrating to EMV. Included are statistics and information for the U.K., France, Australia, Canada and the U.S. from numerous sources.
  • 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.
  • Contactless EMV Payments: Benefits for Consumers, Merchants and Issuers
    This Secure Technology 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 Payments Security Q&A
    This Secure Technology Alliance Q&A document answers questions about the security of contactless payment transactions.
  • Contactless Resources: Implementation Considerations and Clarifications
    This U.S. Payments Forum white paper 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 Secure Technology Alliance white paper was developed to provide an educational resource on EMV chip migration for the healthcare industry.
  • EMV Best Practices Web Resource
    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 and webinar include best practices for issuers, merchants (both chip-enabled and non-chip-enabled) and acquirers.
  • EMV, Encryption and Tokenization White Paper
    This Secure Technology Alliance white paper describes the role of EMV, encryption and tokenization for securing the payments infrastructure and preventing payment fraud
  • 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 Level 3 Contactless Certification Recommended Solutions to Reduce Deployment Time
    This U.S. Payments Forum resource discusses challenges and potential solutions to implementation and deployment of Level 3 (L3) certified EMV contactless implementations for merchants.
  • EMV and NFC: Complementary Technologies Enabling Secure Contactless Payments
    This Secure Technology 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 Secure Technology Alliance white paper was developed in partnership with the International 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
    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.
  • 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.
  • Healthcare Identity Authentication and Payments Convergence: A Vision for the Healthcare Industry
    This Secure Technology 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 – Version 2
    This 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 at the ATM: PIN Change at the ATM
    This 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.: 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.
  • 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
    This U.S. 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.
  • 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 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.
  • 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.
  • 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.
  • The True Cost of Data Breaches in the Payments Industry
    This white paper provides an educational resource on the potential costs that could be incurred as a result of a data breach.
  • 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.
  • U.S. Debit EMV Technical Proposal
    This white paper defines recommendations for a debit technical framework for the U.S. payments industry.

Video Recordings and Recorded Webinars/Workshops

Other Resources

Stakeholder-Specific Resources

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