What does EMV mean?

EMV (Europay, MasterCard and VISA) is a global standard for the inter-operation of integrated circuit cards (IC cards or “chip cards”) and IC card-capable point of sale terminals (POS) and automated teller machines (ATMs) in authenticating credit and debit card transactions. It is a joint effort between Europay, MasterCard and Visa to ensure security and global inter-operability so that Visa and MasterCard cards can continue to be accepted everywhere. Europay International SA was absorbed into MasterCard in 2002, JCB (formerly Japan Credit Bureau) joined the organization in December 2004, and American Express joined in February 2009.


Still have questions about EMV?

Download the EMV Guide

Implementation of EMV/Contactless Cards

  • Decide on the direction you want to take your EMV Program Chip and PIN (Contactless or Dual Hybrid Cards)
  • Contact your network processor for changes needed to your existing card base, to support your EMV program
  • Decide, with your processor, whether or not to use your existing BIN or get a new BIN for your EMV program
  • Evaluate your existing card design to decide if it will adapt to the contact and contactless chip location on the front and back of the card
  • If implementing a chip and PIN program, deciding on how rePIN changes will take place (in-branch device or ATM host update)
  • Contact CCS for hardware and software updates that are needed to support your Instant Issue EMV Program-all card personalization devices (Card Embosser and Flat Card Printer) support personalization that meets EMV standards