Payments Council

The Smart Card Alliance Payments Council focuses on facilitating the adoption of chip-enabled payments and payment applications in the U.S. through education programs for consumers, merchants, issuers, acquirers/processors, government regulators, mobile telecommunications providers and payments service providers. The group is bringing together payments industry stakeholders, including payments industry leaders, merchants and suppliers, and is working on projects related to implementing EMV, contactless payments, NFC-enabled payments and applications, mobile payments, and chip-enabled e-commerce. The Council’s primary goal is to inform and educate the market about the value of chip-enabled payments in improving the security of the payments infrastructure and in enhancing the value of payments and payment-related applications for industry stakeholders.

The Payments Council’s projects include web seminars and conference workshops, as well as research projects, white papers, case studies and other educational resources.

• Download description of Council mission, activities and membership

Payments Council Resources

EMV

• Card Payments Roadmap in the U.S.: How Will EMV Impact the Future Payments Infrastructure?, Smart Card Alliance Payments Council white paper, September 2012
• EMV and NFC: Complementary Technologies that Deliver Secure Payments and Value-Added Functionality, Smart Card Alliance Payments Council white paper, October 2012
• EMV Chip Cards Expected for Upscale U.S. Cardholders, Smart Card Alliance Payments Council statement, November 2009
• The EMV Ecosystem: An Interactive Experience for the Payments Community, Smart Card Alliance Payments Council resource, February 2013
• EMV Frequently Asked Questions, June 2011
• EMV for Merchants and Acquirers: U.S. Migration Considerations webinar, Smart Card Alliance Payments Council webinar, October 2011
• EMV Connection, EMV-focused website providing up-to-date information on the status of EMV migration, along with tutorials and educational material.
• Expert Series Videos: EMV
• Fraud in the U.S. Payments Industry: Fraud Mitigation and Prevention Measures in Use and Chip Card Technology Impact on Fraud, Smart Card Alliance Payments Council white paper, October 2009
• Top 10 Reasons U.S. Should Consider EMV webinar, Smart Card Alliance Payments Council webinar, January 2010
• What Are Chip-Enabled EMV Payment Cards? slide show

Mobile / NFC

• Chip-Enabled Mobile Marketing, Smart Card Alliance Payments Council white paper, October 2010
• Chip-Enabled Mobile Marketing slide show
• EMV and NFC: Complementary Technologies that Deliver Secure Payments and Value-Added Functionality, Smart Card Alliance Payments Council white paper, October 2012
• Expert Series Videos: NFC/Mobile Payments
• The Mobile Payments and NFC Landscape: A U.S. Perspective, Smart Card Alliance Payments Council white paper, September 2011
• NFC Frequently Asked Questions, June 2011
• NFC Resources, providing up-to-date information and news on NFC
• Proximity Mobile Payments: Leveraging NFC and the Contactless Financial Payments Infrastructure, Smart Card Alliance Payments Council white paper, August 2007
• Proximity Mobile Payments Business Scenarios: Research Report on Stakeholder Perspectives, Smart Card Alliance Payments Council white paper, July 2008
• Security of Proximity Mobile Payments, Smart Card Alliance Payments Council white paper, May 2009

Contactless Payments

• Accepting Contactless Payments: A Merchant Guide, Smart Card Alliance Payments Council white paper, July 2007
• Contactless Payments: Consumer Attitudes and Acceptance in the United States, Smart Card Alliance and Javelin Strategy & Research report, November 2006
• Contactless Payments: Delivering Merchant and Consumer Benefits, Smart Card Alliance report, March 2004
• Contactless Payments: Frequently Asked Questions, Smart Card Alliance Payments Council publication, February 2007
• Contactless Payments: Issuers Meet Demand for Speed and Convenience, May 3, 2007 web seminar produced in partnership with SourceMedia
• Contactless Payments: Merchant ROI Model, Smart Card Alliance Payments Council Merchant Work Group, August 2008
• Contactless Payments: A New Era of Payments for Retailers, February 22, 2006 web seminar produced in partnership with the National Retail Federation STORES Magazine.
• Contactless Payments: The Retailer Experience, July 19, 2007, web seminar produced in partnership with STORES Magazine
• Contactless Payments Resources, up-to-date information and news on contactless payments programs in the U.S.
• Contactless Payments Security Q&A, February 2011
• Issuer and Merchant Best Practices: Promoting Contactless Payments Usage and Acceptance, Smart Card Alliance Payments Council white paper, September 2009
• The What, Who and Why of Contactless Payments, Smart Card Alliance Payments Council position paper, December 2006

Other

• Americas Smart Card Market Analysis, Frost & Sullivan report developed in collaboration with the Smart Card Alliance, September 2005
• End-to-End Encryption and Chip Cards in the U.S. Payments Industry, Smart Card Alliance Payments Council position paper, September 2009
• Smart.Payments, LinkedIn group open to the public to stimulate discussion of payments-related topics.
• What Makes a Smart Card Secure?, Smart Card Alliance Payments Council white paper, October 2008
• RF-Enabled Applications and Technology: Comparing and Contrasting RFID and RF-Enabled Smart Cards, February 2007

Council Management

The Council is managed by a steering committee composed of a cross section of the financial payments industry and smart chip technology vendors. Council officers are:

• Co-chairs: Jack Jania, Gemalto, and Oliver Manahan, MasterCard
• Vice chair: Troy Bernard, Discover Financial Services
• Secretary: Deborah Baxley, Capgemini

Current steering committee members are:

• Philip Andreae, Accenture LLP
• Deborah Baxley, Capgemini
• Deana Cook, Chase Card Services
• Jose Correa, NXP Semiconductors
• Troy Bernard, Discover Financial Services
• Terry Dooley, SHAZAM
• Michael English, Heartland Payment Systems
• Pamela Flakowitz, American Express
• Greg Garback, WMATA
• Simon Hurry, Visa, Inc.
• Jack Jania, Gemalto
• Bastian Knoppers, FIS
• Paul Legacki, Infineon Technologies
• Oliver Manahan, MasterCard Worldwide
• Nick Pisarev, G&D
• JC Raynon, VeriFone Systems
• Garfield Smith, Oberthur Technologies
• John Smith, First Data Corporation

Council Membership

The Payments Council is one of several Smart Card Alliance Technology and Industry Councils, a new type of focused group within the overall structure of the Alliance. Council participation is open to any Smart Card Alliance member who wishes to contribute to the Council projects.

The Smart Card Alliance recognizes the top three individual contributors in each of the industry councils and the council “honor roll” – the individuals who were leading contributors and participants in the council projects and activities.

• 2012 Council Honor Roll

Merchants and issuers are invited to participate in the Council’s Merchant and Issuer Advisory Groups.

Smart Card Alliance members who are active in the Payments Council include:

• ABnote Group
• Accenture
• Acumen Building Enterprise Inc
• American Express
• Apriva
• Bank of America
• Bell Identification B.V.
• Blackboard Inc.
• Booz Allen Hamilton
• Capgemini USA Inc.
• Capital One
• Chase Card Services
• Clear2Pay
• Consult Hyperion
• CorFire
• CPI Card Group
• CSC
• Cubic Transportation Systems Inc.
• Dale Laszig
• Datacard Group
• DeviceFidelity, Inc.
• Discover Financial Services
• Double Diamond Group
• Exponent
• First Data Corporation
• FIS
• Fiserv
• Gemalto
• Giesecke & Devrient
• Heartland Payment Systems
• Identive Group
• InComm
• Infineon Technologies
• Ingenico, North America
• INSIDE Secure
• Interac Association/Acxsys Corporation
• JCB International Credit Card Co., Ltd.
• Lenel Systems International
• LTK Engineering Services
• MasterCard Worldwide
• Morpho
• MTA New York City Transit
• Multos International
• NACHA – The Electronic Payment Association
• NagraID Security
• Natural Security
• NXP Semiconductors
• Oberthur Technologies
• OTI America
• Quadagno & Associates
• Ready Credit Corporation
• SafeNet, Inc.
• Scheidt & Bachmann
• SHAZAM
• STMicroelectronics
• Thales Group
• Toni Merschen Consulting
• TSYS
• UL Transaction Security
• United Services Automobile Association (USAA)
• Unwire US, Inc.
• VeriFone Systems
• Visa, Inc.
• Washington Metropolitan Area Transit Authority (WMATA)
• Watchdata Technologies
• Wells Fargo

For more information about the Payments Council or for more information on becoming a member of the Alliance, please contact the Alliance office via email at info@smartcardalliance.org or via telephone at (800) 556-6828.