Take advantage of EMV chip card technology – a global standard in card-present transactions
American Express can help you enable EMV¹ chip cards and terminals which are based on the EMVCo² industry standard set of specifications for chip cards and terminals.
EMV chip cards have an embedded microprocessor chip which increases transaction security by exchanging authentication data with terminals. This makes the chip cards difficult to counterfeit and effectively combats fraud at the Point-of-Sale.
¹ EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo.
² EMVCo is the global technical body that facilitates the worldwide interoperability and acceptance of secure payment transactions by managing and evolving the EMV Specifications and related testing processes.
American Express chip cards and terminal specifications help protect against the impacts of fraud by:
With American Express chip cards and terminals, you have the ability to better serve your customers by:
When you migrate to EMV, you can be confident that you are:
At the Point-of-Sale, chip cards and terminals interact to ensure a secure transaction.
When the chip Card is inserted into the terminal, the embedded microchip exchanges Card data with the terminal to verify the Card is genuine.
The Cardmember's identity is verified with PIN or Signature and the results of verification can be sent to the Issuer along with additional security information.
The microchip and terminal interact to assess the transaction details, providing Issuers and Merchants better ability to mitigate risk on every purchase.
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