EMV, or Europay, MasterCard® and Visa®, is a global standard for credit and debit payment cards based on chip card technology. EMV defines technical requirements for payment cards with embedded microchips and accompanying POS and ATM infrastructure.

Several factors are driving the U.S. card market to migrate to chip-based cards using the EMV specifications, most notably the opportunity to improve security and enable a better experience for cardholders who travel internationally.

Where a magnetic stripe delivers static data to the terminal, an EMV chip and an EMV-capable terminal interact dynamically in real-time using more sophisticated cryptographic authentication technology. As a result, chip cards provide better protection against card skimming, which illegally captures data stored on the magnetic stripe to produce counterfeit card(s) or utilize the card data skimmed for fraud.

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EMV Chip Cards

Migration to an EMV® chip card program starts with planning; we're here to walk you through the process, enabling you to deliver secure solutions your cardholders want.

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