{"id":11024,"date":"2019-03-28T10:30:36","date_gmt":"2019-03-28T10:30:36","guid":{"rendered":"http:\/\/www.evopayments.us\/staging\/?p=11024"},"modified":"2021-12-16T13:47:29","modified_gmt":"2021-12-16T18:47:29","slug":"merchants-quick-guide-to-emv","status":"publish","type":"post","link":"https:\/\/www.evopayments.us\/staging\/merchants-quick-guide-to-emv\/","title":{"rendered":"Merchant&#8217;s Quick Guide to EMV"},"content":{"rendered":"<p>Merchants who are not using terminals that process EMV chip card transactions may become liable for chargebacks associated with payments made with counterfeit, lost or stolen cards. Before October 2015, the customer\u2019s credit card company absorbed these losses. This \u201cliability shift\u201d from credit card issuers to merchants can represent significant losses to businesses that do not use solutions that enable their point-of-sale terminal to accept EMV chip cards.<\/p>\n<h3>The Benefits of EMV<\/h3>\n<p>EMV chip cards help protect merchants and consumers by making it very difficult to create a counterfeit card, or to use a lost or stolen card in card-present transactions. In addition to processing EMV chip cards, your EMV-enabled terminals can also accept payments from mobile devices equipped with a \u201cdigital wallet\u201d such as Apple Pay or Google Wallet. Accepting these payments offers greater convenience to consumers while further increasing transaction security.<\/p>\n<h3>Facts About EMV<\/h3>\n<ul>\n<li>The United States is replacing mag stripe credit card readers and credit cards with chip technology called EMV.<\/li>\n<li>EMV stands for EuroPay, MasterCard, Visa.<\/li>\n<li>Credit card issuers used to absorb the liability and costs for card theft and fraud.<\/li>\n<li>EMV has been around since the 1990\u2019s in Europe.<\/li>\n<li>The U.S. is the last industrial country to adopt EMV.<\/li>\n<li>EMV will help fight counterfeit credit and debit card fraud.<\/li>\n<li>Chip cards are virtually impossible to counterfeit or copy.<\/li>\n<li>EMV-enabled terminals will still accept magnetic stripe card payments<\/li>\n<li>EMV-enabled terminals have a slot at the bottom for EMV card insertion<\/li>\n<li>The EMV credit card stays in the terminal during the entire transaction<\/li>\n<\/ul>\n<h3>Processing EMV Chip Cards and Digital Wallets<\/h3>\n<p>Chip cards, as well as payments using devices with Apple Pay or Google Pay, must be processed a little differently. Under new card regulations for EMV, your customers do not hand cards to merchants for processing. Rather, the merchant turns the terminal to the customer. In addition to improving card security, this allows customers to choose their preferred method of payment and enter their PIN when required.<\/p>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator is-style-dots\"\/>\n\n\n\n    <div class=\"cta cta-full\">\n        <img src=\"https:\/\/www.evopayments.us\/staging\/wp-content\/uploads\/2019\/11\/cta_full-width_3.jpg\" alt=\"\" \/>\n        <div class=\"content-holder\"> <!--this extra div is needed to make line behind content and above image-->\n          <div class=\"content\">\n            <h3>Connect with Us<\/h3>\n            <p>With business activities in 50 markets and 150+ currencies around the world, EVO is among the largest fully integrated merchant acquirers and payment processors in the world.<\/p>\n            <div class=\"button-container\"><a href=\"\/about\/contact-us\/\" class=\"btn border\">Contact Us<\/a><\/div>\n          <\/div> <!-- \/.content -->\n        <\/div> <!-- \/.content-holder -->\n    <\/div><!-- \/.cta -->\n\n        ","protected":false},"excerpt":{"rendered":"<p>EMV chip cards help protect merchants and consumers by making it very difficult to create a counterfeit card, or to use a lost or stolen card in card-present transactions. In addition to processing EMV chip cards, your EMV-enabled terminals can also accept payments from mobile devices equipped with a \u201cdigital wallet\u201d such as Apple Pay or Google Wallet. <\/p>\n","protected":false},"author":2,"featured_media":17942,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":1,"_editorskit_typography_data":[],"_editorskit_blocks_typography":"","_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","_mi_skip_tracking":false},"categories":[460],"tags":[111,105,218,96,251,59,107],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Merchant&#039;s Quick Guide to EMV - EVO Payments<\/title>\n<meta name=\"description\" content=\"EMV chip cards help protect merchants and consumers by making it very difficult to create a counterfeit card, or to use a lost or stolen card in card-present transactions. In addition to processing EMV chip cards, your EMV-enabled terminals can also accept payments from mobile devices equipped with a \u201cdigital wallet\u201d such as Apple Pay or Google Wallet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.evopayments.us\/staging\/merchants-quick-guide-to-emv\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merchant&#039;s Quick Guide to EMV - EVO Payments\" \/>\n<meta property=\"og:description\" content=\"EMV chip cards help protect merchants and consumers by making it very difficult to create a counterfeit card, or to use a lost or stolen card in card-present transactions. 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