Publications – Payments – EMV Payments
The U.S. Payments Forum Transit Contactless Open Payments Working Committee developed this resource to outline customer communication best practices for contactless open payments acceptance in transit.
This white paper was developed by the Secure Technology Alliance Payments Council to provide a primer on biometric payment cards for issuers, issuer processors, payment networks and merchants. The white focuses on a specific implementation – one that incorporates fingerprint capture, template storage, and matching on the payment card itself – and reviews the biometric payment card technology and transaction process, key benefits, implementation considerations, and real-world examples.
This Secure Technology Alliance Payments Council webinar provides a primer on biometric payment cards that use fingerprints to authenticate the cardholder. New technologies that enable template matching and storage in the secure element, battery-free operation, and fast transactions are being showcased in pilots and proof-of-concept launches around the world. Webinar topics include: overview of biometric payment card technology; user experience and implementation considerations for biometric payment cards; examples of real-world implementations.
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.
The U.S. Payments Forum CNP Fraud Working Committee developed this white paper to provide a resource profiling different CNP fraud mitigation techniques.
The Smart Card Alliance Payments Council developed this white paper to educate payment industry stakeholders about the impact of and need to further address card-not-present fraud in conjunction with migration to EMV in the U.S. The paper summarizes recent trends in e-commerce and various types of fraud. The paper then briefly defines authentication, lists the building blocks commonly used to design authentication processes, and discusses both merchant and issuer considerations. The paper concludes with a brief discussion of historical approaches to combatting CNP fraud.
The U.S. Payments Forum created this video recording to review EMV Cardholder Verification Method concepts, implementation and impact on issuers, ATM owners, merchants, and cardholders.
The Smart Card Alliance developed this white paper to educate stakeholders across the payments value chain about the critical aspects of deploying an EMV solution in their business environments in the U.S. The white paper describes the current state of the payments infrastructure in the U.S., discusses the impact of the global deployment of EMV on possible roadmaps, and provides a primer on EMV card authentication, cardholder verification and transaction authorization methods. For each stakeholder (issuers, merchants, acquirers/processors and ATM owners), the white paper outlines actions that need to be taken to issue EMV cards, and to accept and process EMV transactions.
The Smart Card Alliance Payments Council developed this white paper to describe the changing U.S. payments landscape for purchases at physical stores. The white paper reviews new innovations in payment trends and devices, discusses the impact on EMV migration, and offers perspectives on how these trends are changing the way consumers pay and merchants accept card-present transactions.
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Chip Education for VARs, ISVs and Merchants.
The Payments Security Task Force and U.S. Payments Forum collaborated to develop educational chip education webcasts for U.S. value added resellers, independent software vendors and merchant.
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.
This U.S. Payments Forum webinar describes best practices for implementing contactless at the POS, including consumer communications, consumer transaction prompting and flow and cashier training.
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.
The Smart Card Alliance Payments Council developed this white paper to describe the value propositions of contactless EMV payments for issuers and merchants. The 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.
This Smart Card Alliance Payments Council webinar discussed the opportunities that contactless EMV payments offer to issuers. The webinar answered 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.
This Smart Card Alliance Payments Council webinar discussed the opportunities that contactless EMV payments offer to merchants. The webinar answered 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.
The U.S. Payments Forum developed this resource to provide guidance on how contactless limits are used during EMV contactless transaction processing in the U.S.
The U.S. Payments Forum developed this white paper to provide a resource to help merchants, issuers and acquirers understand the contactless operating mode rules set by each of the payment networks.
The Smart Card Alliance Payments Council developed two infographics to summarize the benefits of contactless EMV payments for issuers and merchants.
This Secure Technology Alliance Payments Council webinar discussed the status of U.S. and global contactless deployment, the issuer benefits of contactless payments and key issuer implementation considerations.
This Secure Technology Alliance Payments Council webinar discussed the status of U.S. and global contactless deployment, the merchant benefits of contactless payments and key issuer implementation considerations.
This white paper was developed by the Secure Technology Alliance Payments Council to discuss the challenges of issuing, accepting and processing ISO/IEC 14443/NFC contactless transactions and to help the market work through pre-EMV and post-EMV challenges to promote contactless issuance and acceptance.
This U.S. Payments Forum white paper provides guidance to assist merchants, acquirers and issuers with contactless payments implementation.
This U.S. Payments Forum presentation provides a clear description of how an EMV transaction is secured using “cryptograms.” The presentation utilizes animation, straightforward messaging, and commentary to help the viewer understand the concept of cryptogram creation and validation in an EMV transaction.
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.
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.
This white paper was developed by the Secure Technology Alliance Payments Council to provide a primer on dynamic security code cards, their benefits for issuers, merchants and cardholders, and implementation impact on payments stakeholders.
This Secure Technology Alliance Payments Council webinar provides a comprehensive view of dynamic security code card technology and outlines the benefits of and considerations for implementation.
This recorded U.S. Payments Forum 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.
This white paper was developed by the Secure Technology Alliance Payments Council to propose a framework for supporting open payment for electric vehicle charging when ISO 15118 is implemented.
This Secure Technology Alliance Payments Council webinar discusses the current status of electric vehicle charging payments and present emerging standards and technologies that will enable convenient, secure payments. The approaches discussed in this webinar will address the uncertainty EV drivers face when charging their vehicles, and ultimately work towards helping to drive EV adoption and use.
The U.S. Payments Forum CNP Fraud Working Committee developed this white paper to provide a primer on the EMV 3DS protocol, its features and the data and transaction process.
This recorded U.S. Payments Forum webinar provides a primer on EMV chip payments, including the EMV transaction flow and options for card authentication, cardholder verification and transaction authorization.
This white paper provides 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.
The Smart Card Alliance Mobile and NFC Council and Payments Council developed this white paper to explain how EMV and NFC are companion technologies and clarify how they work together to enable secure payments. The white paper discusses the current status of EMV chip migration in the U.S., predictions for contactless payment, the intersection of EMV contact, contactless and dual interface chip cards and mobile NFC devices for payment, and key considerations for contactless payment implementations.
The Smart Card Alliance Transportation Council white paper, EMV and Parking, was developed in partnership with the International Parking Institute. The updated white paper provides parking industry stakeholders with an educational resource about the critical aspects of deploying an EMV solution in the parking infrastructure. The white paper provides an overview of EMV chip technology and describes key considerations and refreshed implementation scenarios for parking industry stakeholders who want to accept and process EMV chip transactions in both attended and unattended environments.
The U.S. Payments Forum white paper, “EMV Chargeback Best Practices,” 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.
This U.S. Payments Forum infographic was designed to answer the key questions surrounding the U.S. migration to EMV chip cards for payment. From this infographic, readers will learn what the migration is and when it will happen; the security features of chip cards; what will change for the consumer; and how the payment process works with chip cards.
The Smart Card Alliance developed this EMV-focused web site to provide up-to-date information on the status of EMV migration, along with tutorials and educational material. The resources will help industry stakeholders to gain a better understanding of the changes that migration from magnetic stripe cards to EMV cards and devices will bring.
The Smart Card Alliance Payments Council developed this interactive PowerPoint presentation as an educational resource for the payments industry. The presentation shows the full EMV ecosystem, with participants who play roles in EMV issuance, acceptance and transaction processes. The presentation provides details on the participant’s role, example organizations that play this role, and key links with other ecosystem participants.
This FAQ was developed by the Smart Card Alliance to answer questions about EMV.
The U.S. Payments Forum Testing and Certification Working Committee developed this resource to discuss challenges and potential solutions to implementation and deployment of Level 3 (L3) certified EMV contactless implementations for merchants.
The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to provide a primer on EMV payment tokenization and describe implementation lessons learned.
The U.S. Payments Forum white paper, “EMV Testing and Certification White Paper: Current Global Payment Network Requirements for the U.S. Acquiring Community,” 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.
This Smart Card Alliance Mobile Council webinar provided an overview of EMV tokenization, reviewed the requirements for token service providers, discussed the tokenization methods used in digital wallets like Apple Pay, Samsung Pay and Android Pay, as well as in-app purchases, and addressed tokenization implementation and security considerations.
This recorded U.S. Payments Forum workshop provides a comprehensive review of chip technology and focused sessions on the development process and implementation best practices.
The Smart Card Alliance and EMVCo hosted a two-part webinar series to review the status of payment specifications and tokenization. The first webinar discussed progress made by the U.S. market in adopting EMV chip payments, contactless mobile payments and payment tokenization and described the evolution of EMVCo’s scope from the original EMV Chip Specification to now include card and terminal type approval, interoperability, contactless, mobile, next generation payment, and the specifications for payment tokenization and 3D Secure 2.0. The second webinar provided a deep dive into payment tokenization, covering how tokenization provides a layer security approach for payments and what EMVCo’s current payment tokenization activities and priorities are.
The U.S. Payments Forum developed this web site to provide easy-to-use resources for merchants interested in enabling consumers to make contactless payments.
The U.S. Payments 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.
Developed by the U.S. Payments 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.
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.
The Smart Card Alliance Health and Human Services Council developed this white paper 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.
The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to provide an overview of emerging data elements and their use in face-to-face transactions initiated from non-traditional payment devices.
This U.S. Payments Forum white paper provides guidance 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.
This U.S. Payments Forum white paper provides guidance to ATM providers, acquirers, processors, and vendors who are preparing to implement EMV at the ATM in the United States. It includes information about which functions must be implemented to provide EMV compliance at the ATM, as well as recommended planning activities for EMV implementation. Technical details about an EMV transaction are also included.
The U.S. Payments Forum published this white paper to provide 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.
The U.S. Payments Forum developed this resource to provide guidance for industry stakeholders about the introduction of 8-Digit BINs
The U.S. Payments Forum Knowledge Center is the online resource library for all stakeholders involved in U.S. EMV implementation. The Knowledge Center has gathered white papers, links, industry best practices and other resources from across the web, all relevant to EMV migration in the U.S.
This U.S. Payments Forum document provides 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.
This recorded U.S. Payments Forum webinar provides guidance on 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.
The U.S. Payments Forum white paper, “Merchant Processing during Communications Disruption,” discusses 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
This U.S. Payments Forum 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 U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to provide guidance on how mobile and contactless payments requirements are collected from payments ecosystem stakeholders.
This U.S. Payments Forum webinar series provided an in-depth review of mobile wallet models, security approaches and key merchant and issuer considerations for adoption.
The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to provide guidance to merchants and financial institutions on models, technologies and usage drivers for mobile and digital wallets.
The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this reference to list standards and standards bodies that are applicable to mobile or contactless payments.
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Near-Term Solutions to Address the Growing Threat of Card-Not-Present Fraud
This U.S. Payments 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.
The 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.
The U.S. Payments Forum Testing and Certification Working Committee developed this resource to discuss solutions to help reduce the implementation time and effort required for the AFD community to meet the October 2020 fraud liability shift deadline.
The U.S. Payments Forum published this white paper 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.
This U.S. Payments Forum 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. The guide recommends a consistent, continuous and multi-channel approach to provide specific details on chip technology use and security benefits within each stage of the migration.
The Smart Card Alliance Payments Council developed this white paper to describe the role of EMV, encryption and tokenization for securing the payments infrastructure and preventing payment fraud. This white paper provides an overview of the three technologies and describes how each addresses payments security. The white paper concludes with a discussion of how payments industry implementation of the three technologies together secures the payments infrastructure and prevents payment fraud.
The U.S. Payments Forum developed this resource to provide practical tips for a “cleaner” payment experience for merchants, ATM owners and consumers.
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 Smart Card Alliance Payments Council recently published a white paper, The True Cost of Data Breaches in the Payments Industry, to provide an educational resource for payments industry stakeholders on the potential tangible and intangible costs that could be incurred during a data breach.
This U.S. Payments Forum white paper reviews use cases illustrating the hard and soft costs of fraud for consumers, merchants and issuers.
This U.S. Payments Forum white paper 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.
This U.S. Payments Forum resource provides guidance on best practices for supporting fallback transactions at the automated fuel dispenser.
This U.S. Payments Forum white paper defines recommendations for a debit technical framework for the U.S. payments industry. The white paper provides a high-level description of the technical solution, which follows the EMV specification and accommodates flexibility to current and potential future debit routing regulatory requirement scenarios, as well as principles and guidelines for implementation.
This white paper was developed by the Smart Card Alliance Payments Council Security Work Group to provide an overview of the security features available with contactless and contact smart cards and describe how the security features might apply or be important to different applications.