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We provide you with relevant information on topics related to the industry and small businesses to help your business get that extra edge.

What Is EMV?

EMV is poised to become the next big shift in the U.S. payment ecosystem. It has already reached international prevalence, and it just needs to spread across the U.S. market...

Top Five Benefits of EMV

MasterCard, Visa, Discover, and American Express are pressuring the U.S. market to make the switch from magnetic stripe cards to new EMV smart chip cards. Although magstripe cards have been the...

EMV CVM

One of the ways EMV promises to revolutionize the U.S. payments ecosystem is by expanding the cardholder verification methods, or CVMs, available to merchants and processors. CVMs allow a merchant...

EMV CVM: Offline PIN

Offline PIN is a cardholder verification method, or CVM, unique to EMV cards; magnetic stripe cards do not support offline PIN. As its name suggests, offline PIN can be performed regardless of...

EMV CVM: Online PIN

Online PIN is a cardholder verification method, or CVM, available for EMV cards. As its name suggests, online PIN requires an active internet connection. Online PIN codes are not stored within EMV...

Signature is a cardholder verification method, or CVM, available for EMV cards. A signature verification requires the card user to sign for the payment at the point of sale, typically through a touchscreen...

EMV CVM: No CVM

“No CVM” is a cardholder verification method (or lack thereof) available for EMV cards. Typically, “no CVM” is selected for unattended POS systems or for systems that lack the peripheral equipment to support PIN or...

EMV Card Authentication

EMV systems use various card authentication protocols to verify that the card being used in a transaction is legitimate. EMV cards and systems can be programmed to support a variety...

EMV Card Authentication: Online

Online card authentication is a protocol for verifying that an EMV card is legitimate. It is designed to protect against counterfeit cards, especially those produced by skimming. As its name suggests, online...