Member Login

Publications – Payments – EMV Payments

• Card Payments Roadmap in Latin America: How Does EMV Impact the Payments Infrastructure?

• Card Payments Roadmap in the U.S.: How Will EMV Impact the Future Payments Infrastructure?
  The Smart Card Alliance developed this white paper to educate stakeholders across the payments value chain about the critical aspects of deploying an EMV solution in their business environments in the U.S. The white paper describes the current state of the payments infrastructure in the U.S., discusses the impact of the global deployment of EMV on possible roadmaps, and provides a primer on EMV card authentication, cardholder verification and transaction authorization methods. For each stakeholder (issuers, merchants, acquirers/processors and ATM owners), the white paper outlines actions that need to be taken to issue EMV cards, and to accept and process EMV transactions. Download white paper. View executive summary.

• EMV Chip Cards Expected for Upscale U.S. Cardholders
  The Smart Card Alliance developed this statement to comment on The Nilson Report prediction that most top U.S. issuers will have EMV-compliant [2] chip cards available to select customers by the end of 2010 and to recommend a course of action for issuers. Download statement. View statement.

• EMV Frequently Asked Questions
  This FAQ was developed by the Smart Card Alliance to answer questions about EMV. Download FAQ. View FAQ.

• End-to-End Encryption and Chip Cards in the U.S. Payments Industry
  The Smart Card Alliance developed this position paper to present Smart Card Alliance perspectives on end-to-end encryption and to discuss how chip cards and dynamic cryptograms address card-based fraud. Download position paper. View position paper.

• Fraud in the U.S. Payments Industry: Fraud Mitigation and Prevention Measures in Use and Chip Card Technology Impact on Fraud.
  The Smart Card Alliance developed this white paper to discuss how changes to the U.S. and global payments infrastructure are expected to affect card-based fraud in the United States and how different technologies can address this fraud. The different approaches used by the U.S. payments industry to combat fraud are described, including both preventative measures and mitigating measures. The white paper also examines the opportunity presented by new technologies and processes, particularly chip card-based technologies and processes, to help mitigate card-based fraud losses. Download white paper. View executive summary.

• Smart Cards and the Retail Payments Infrastructure: Status, Drivers and Directions
  This white paper describes the state of the smart card payments infrastructure in the U.S. in 2002, discusses the key markets and applications that are expected to drive smart card usage and acceptance, and outlines the critical barriers to adoption. (October 2002)

• What Makes a Smart Card Secure?
  This white paper was developed by the Smart Card Alliance Payments Council Security Work Group to provide an overview of the security features available with contactless and contact smart cards and describe how the security features might apply or be important to different applications. Download report. View full executive summary.