EMV migration for U.S. merchant community | updated following 2015 liability shift

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Implementing chip in the complex U.S. acceptance environment.

Starting October 1, 2015, the payment brands shifted liability for certain types of fraudulent transactions to merchants that haven’t yet upgraded their systems to accept chip cards. While a significant amount of progress was made in 2015, there are many small and midsized merchants, VARs, ISOs and ISVs that are only starting to learn about the EMV standard and beginning implementation project plans. This white paper helps the merchant community to understand the changes and challenges associated with introducing EMV chip technology to the U.S., and to get started on the right path to chip deployment and payments consultancy. It also offers offer some best implementation practices for getting a chip-accepting solution to market in as timely and efficient manner as possible.

Table of contents

  1. Introducing chip: a paradigm shift
  2. EMV standard impacts on payment acceptance solution deployment
  3. EMV implementation challenges for acceptance ecosystem
  4. Practical steps for deploying EMV chip acceptance solution

The authors

Emmanuel HAYDONT

Partner at AMADIS

Emmanuel has an international experience in the domain of Electronic payment and secure transactions. He has led technical and business development activities for banks, retailers and industrial companies.

Stuart MILLER

Bank Products and Services Business Line Manager

Stuart established the product and service strategy for the emerging multi-brand acceptance market and integrated the products and services operations to enable banks to efficiently conduct acceptance migration.