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Upgrade to an EMV terminal for enhanced chargeback protection! Shift the risk to credit card companies by implementing an EMV terminal in your business today!

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What Are EMV Terminals?

Is an EMV Terminal Necessary for my Business?

In short, yes. Integrating EMV card payment terminals into your business infrastructure presents a straightforward means to mitigate the risk of credit card fraud by leveraging secure chip and pin EMV technology.

EMV stands for Europay, MasterCard, and Visa, representing a global standard for chip-card and smart card acceptance, as well as associated payment applications and device protocols. EMV credit card terminals are designed to adhere to this standard, ensuring robust security measures.

Chip and pin, often synonymous with EMV, pertains to transaction and payment processing utilizing the highly secure embedded card chips, rather than relying solely on magnetic stripe technology. EMV-capable cards utilize two technologies: first, credit card
 readers, and second, chip transaction processing, encompassing both contact and contactless methods, including NFC (near field communication

An EMV card features a specialized microchip aimed at minimizing fraud. With an increasing number of cards incorporating this secure chip technology, it is imperative for businesses to facilitate EMV credit card acceptance through EMV payment processing. As
 card technologies evolve, there arises a need to adapt payment acceptance methods, emphasizing compliance with EMV standards.

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Why Utilize an EMV Terminal?

Integrating an EMV terminal into your business operations offers a multitude of advantages, benefiting both your enterprise and its stakeholders by mitigating losses associated with counterfeit fraud and enhancing business credit profiles. Reduced fraud losses

contribute to overall cost containment for merchants and other stakeholders involved. Employing terminals that process chip transactions translates to fewer charge-backs, providing merchants with a layer of financial protection against specific fraud instances
 when cashiers adhere to terminal-displayed instructions and established security protocols.

The EMV liability shift underscores the importance of adopting EMV processing, where merchants bear responsibility for fraudulent transactions conducted with non-EMV cards if such transactions are accepted. This shift underscores the overarching goal of reducing

credit card fraud and counterfeit occurrences through the utilization of EMV chips and associated technology. Some EMV cards necessitate cardholder verification, combining chip and signature authentication with pin entry on pin pads, thereby bolstering cardholder
 security and data authentication protocols, thereby enhancing risk management processes.

Furthermore, initiatives such as Mastercard and Visa's 3D Secure protocol aim to fortify online payment security by safeguarding transactions conducted through virtual terminals and online platforms, thereby reducing the risk of fraud and card theft.

Selecting card processing terminals capable of accepting EMV chip cards not only minimizes potential errors and losses but also streamlines transactional processes by eliminating the need for manual paper reconciliation. The electronic nature of chip card transaction

records enhances efficiency and expedites customer check-out experiences, as they do not rely on sales associates to verify signature accuracy but rather prompt straightforward terminal interactions.The widespread adoption of chip card technology by major card issuers, including American Express, Discover, Mastercard, and Visa, underscores the global shift towards enhanced security measures. While the initial rollout primarily targeted markets outside
 the United States, the specification of interoperability ensures continued support for both chip and magnetic stripe transactions, accommodating diverse cardholder preferences and global travel patterns.

As the industry evolves, it's imperative to recognize the various types of EMV terminals available, including the VX520, Ingenico ICT 220, and Pax 80, each offering distinct functionalities to meet diverse business needs and preferences.

Find Out How

  • Contact EMV

    When utilizing a contact EMV device, the cardholder inserts their card into the chip reader. EMV terminals equipped with contact chip card readers facilitate the transmission of card data from the embedded microchip to the POS system, supplanting
     reliance on the magnetic strip. Although many banks and financial institutions continue to issue cards featuring both a chip and magnetic strip, particularly for use at merchants who have not yet adopted EMV standards, the phase-out of magistrate cards is imminent within the coming years.

  • Contactless EMV

    Contactless EMV, akin to NFC contactless payment methods, entails the cardholder waving their card within a proximity of 3 to 4 inches from the EMV card reader and its antenna, as indicated on the terminals or EMV readers. Following
    the cardholder's action, chip card transactions are processed once the chip card or contactless card is removed from the contactless field. It's important to note that while contactless EMV can involve a wireless terminal, it should not be conflated with a wireless card processing terminal, as the two concepts are not mutually exclusive.
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