EMV & Contactless

The purpose of this article is to familiarize integrators with EMV processing, help merchants understand the process of EMV certification and estimate its cost. What is EMV certification? EMV stands for Europay, Mastercard and Visa, and denotes a worldwide transactio [...]

In our previous article we explained the role of EMV toolkits in EMV terminal certification process. In this article we are going to share our experience of EMV toolkit usage as well as provide some advice and recommendations concerning the choice of the most suitabl [...]

With the advance of EMV technology, more and more companies face the need to go through EMV certification. In one of our previous articles we’ve addressed the basic EMV certification steps. In this article we’ve decided to explain the concept of an EMV toolkit an [...]

The purpose of this article is to discuss the peculiarities of credit card processing in the industries, where tips are widely used (restaurant industry is a vivid example). Originally, tips were given in cash, or added to the receipt as tip adjustments. Nowadays, EM [...]

Nowadays, more and more merchants are becoming concerned with the problem of EMV standard implementation. These merchants are looking for the most suitable EMV solutions. The purpose of this particular article is to provide some guidelines, which will allow merchants [...]

The purpose of this article is to familiarize the readers with the challenges of implementation of mobile EMV solutions. The article is primarily targeted at software companies, which are looking for effective approaches to integration of card-present solutions into [...]

This article continues the series dedicated to EMV standard and EMV payment card processing. In it we are going to describe transaction fallback mechanism, its purpose, and types of EMV fallback transactions. EMV technology As we know, the general purpose of EMV tech [...]

There is a certain confusion regarding such concepts as EMV contactless payments and magnetic stripe contactless payments (sometimes called proximity payments). Both these concepts denote contactless payments (also called near-field contact or NFC payments), allowing [...]

The purpose of this article is to explain why EMV parameters and EMV keys rotation are an essential component of EMV certification process. The general assumption is EMV certification process includes just two basic stages: host certification and terminal certificati [...]

There is a lot of confusion on how EMV and point-to-point encryption (P2PE) work together and whether one can replace the other, and whether both technologies are necessary. While point-to-point encryption becomes more and more popular and EMV-related liability shift [...]

Every day the number of companies, working on EMV integrations, increases. There are several common misconceptions, that people have when starting integration, so we’ve decided to a closer look at the integration process and address some of those. Briefly speaking, [...]

What is the point of using chip cards and EMV-capable terminals if EMV technology does not ultimately protect cardholder data and identity? In this article we are going to try to answer this question as well as look at some of the common misconceptions and misunderst [...]