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The EMV Chip is Coming.

EMV is an acronym for its developers – Europay, MasterCard, Visa.  EMV is the world’s standard for ensuring interoperability between chip-based payment cards (“smart” cards) and terminals.  The cards were originally developed to address authentication issues that occurred due to the weak telecommunications networks in Europe; however, the microprocessors embedded in EMV cards have proven to be an effective weapon in the fight against counterfeit card fraud in card present (CP) scenarios.
EMV cards are the same size and thickness as standard magnetic-stripe cards.  However, the card is inserted into a slot on the POS terminal and remains until completion, rather than being swiped through a reader.  This “contact” method enables the card to communicate with the terminal.

EMV cards can also support “contactless” payments where it can either be tapped at or waved by the POS terminal for transactions.  A card capable of performing both transactions is called a Dual Interface Card.  EMV technology can also be built into smartphones equipped with NFC (Near Field Communication) chips.

To help ensure wider payment acceptance, nearly all EMV cards also have a magnetic stripe for use at terminals that have not been updated to the EMV standard.

Peoples FCU will be reissuing debit cards with the EMV chip later this year.  Please stay tuned for more information through our website, facebook, and more.

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