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EMV® is Coming

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What Is EMV®?

EMV® stands for Europay, Mastercard and Visa. It is a fraud-reducing technology that can help protect consumers and merchants against losses from the use of counterfeit and lost or stolen payment cards at the point-of-sale. EMV® cards are embedded with a microprocessor or smart chip that interacts with the merchant’s point-of-sale device to make sure that the payment card is valid and, with the use of a PIN, that it belongs to the person using the card. This kind of chip technology adds layers of security against fraud and is virtually impossible to duplicate.



October 2015 will mark the next major milestone where the fraud liability shift for all point of sale devices will take effect. Essentially this means fraud liability will be the merchant's responsibility and nobody else's if the merchant hasn't switched over to EMV® compatible equipment.

The Migration to EMV® technology in the U.S. will help:

  • Ensure that only the rightful card owner can use the chip card, protecting against lost or stolen card fraud
  • Protect data on the chip against unauthorized changes, protecting against counterfeit fraud
  • Enable U.S. cardholders to use their secure chip payment cards anywhere in the world


How Can National Merchants Association help?

  • Click here to find out how National Merchants Association can help you Upgrade to free EMV® and Apple Pay™ compatible equipment today!
  • Click here for more information on Apple Pay™ and compatible equipment.
  • Click here for information on upgrading your POS System to be EMV® compatible.