With the U.S. payments industry’s ongoing migration to EMV chip technology for more secure payments, the EMV Migration Forum is continuing to identify and provide guidance on the areas essential to moving the transition forward. Three new resources are now available, including a web resource for implementation best practices, and two white papers, “PIN Bypass in the U.S. Market,” and “Merchant Processing during Communication Disruptions.”
“Now six months post-liability shift, the EMV Migration Forum is focusing on providing stakeholders with resources that can help them address questions that arise during their chip implementations. These new resources are just a few of the many we will be providing this year to help stakeholders further their migrations to chip,” said Randy Vanderhoof, director of the EMV Migration Forum.
Web Resource: EMV Chip Implementation Best Practices
The EMV Migration Forum has developed a searchable web resource to provide easy-to-find answers on commonly asked questions about best practices for implementing EMV chip technology. The best practices can be searched in the database or sorted by type, category, and stakeholder.
The best practices resource can be used to:
- Look up industry best practices which address your business objectives
- Browse through existing best practice documents and white papers agreed upon and documented by EMV Migration Forum
- Suggest common business problems which could benefit from industry-wide best practices
- The best practices resource is available at http://www.emv-connection.com/best-practices/.
White Paper: EMV and PIN Bypass
To address questions surrounding PIN bypass on EMV chip credit and debit cards, the Forum has released a new white paper, “PIN Bypass in the U.S. Market.” This document addresses 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 (CVM), and how those actions differ from PIN Entry Bypass.
The white paper was developed for terminal vendors, POS system integrators, merchants, merchant acquirers and issuers looking for guidance and explanation.
To download the white paper, “PIN Bypass in the U.S. Market,” visit http://www.emv-connection.com/pin-bypass-in-the-u-s-market/.
White Paper: Merchant Processing during Communication Disruptions
Many merchants have questions regarding how to process EMV chip transactions when communications are disrupted. “How do I process a chip transaction when online connectivity is temporarily not available? How do I capture transaction information when connectivity is disrupted? How do I approve and process a transaction without obtaining issuer authorization?” To answer these questions, the EMV Migration Forum has developed a white paper, “Merchant Processing during Communication Disruptions.”
The white paper discusses three processing options, including:
- EMV offline authorization
- Deferred authorization of an EMV card transaction
- Force post of an EMV card transaction
The white paper can be downloaded at http://www.emv-connection.com/merchant-processing-during-communications-disruption/.
About U.S. EMV Chip Migration
Commonly used globally in place of magnetic stripe, EMV chip technology helps to reduce card fraud in a face-to-face card-present environment; provides global interoperability; and enables safer transactions across contact and contactless channels. Chip implementation was initiated in the U.S. market in 2011 and 2012 when American Express, Discover, MasterCard and Visa announced their roadmaps for supporting a chip-based payments infrastructure. Acquirer processor readiness mandates to support EMV were established for 2013, with liability shifts for managing fraud risk in a face-to-face environment established in October 2015.
About The EMV Migration Forum
The EMV Migration Forum is a cross-industry body focused on supporting the EMV chip implementation steps required for payment networks, issuers, processors, merchants, and consumers to help ensure a successful introduction of more secure chip technology in the United States. The focus of the Forum is to address topics that require some level of industry cooperation and/or coordination to migrate successfully to chip technology in the United States. For more information, visit http://www.emv-connection.com/emv-migration-forum/