On October 1, 2015 commerce changed

EMV is the global standard for credit and debit cards using chip card technology. On October 1, 2015, merchants and issuers who do not support EMV will assume liability for fraudulent card transactions.

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Big changes

EMV chip and pin is the standard everywhere in the world, except in the US. In 2015, card issuers, like Visa, MasterCard, Discover, and American Express, are bringing this more secure technology to consumers.

Magnetic stripe – credit card information is stored on the stripe

EMV chip – credit card information is encrypted on the chip, and it generates dynamic data for every transaction


EMV Overview

Savvy business owners know that payments are about more than just swiping credit cards. Accepting payments smartly and securely can make or break your business. Merchants unknowingly accept payments from fraudulent cards far too often. Headlines about the use of fraudulent cards due to card data breaches, and concerns about the safety of new payment options like Apple Pay, are generating buzz, but can also leave a small business owner wondering what truly matters.

In the world of payments fraud, one of the hottest topics is EMV (Europay, Mastercard, and Visa). EMV is the global standard for authenticating cards using an embedded chip, also known as “smart cards” or “chip-and-PIN.” EMV is likely to gain widespread adoption in the U.S. following a liability shift for fraudulent card-present transactions beginning October 2015, when merchants could be footing the cost of chargebacks due to fraudulent card use. With the liability shift comes considerations and investments that can impact your daily business operations, your customers’ experience, and your bottom line.

So what do you need to know about EMV? Why does it matter? What are the real issues that EMV raises for your business—right now? This paper explores all of these issues and more, helping make sense of EMV for your small business.

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