--- title: "Alliance Activities : Publications : Payments : Contactless Payments - Secure Technology Alliance" language: "en-US" canonical_url: "https://www.securetechalliance.org/publications-payments-contactless-payments/" source_url: "https://www.securetechalliance.org/publications-payments-contactless-payments/" content_type: "text/markdown" --- [Home](https://www.securetechalliance.org/)Alliance Activities : Publications : Payments : Contactless Payments # Alliance Activities : Publications : Payments : Contactless Payments ![](https://www.securetechalliance.org/wp-content/uploads/contactless-payments-app-pub-icon.jpg) # Publications – Payments – Contactless Payments - [Best Practices – Customer Messaging for Transit Open Payments](https://www.uspaymentsforum.org/best-practices-customer-messaging-for-transit-open-payments/) The U.S. Payments Forum Transit Contactless Open Payments Working Committee developed this resource to outline customer communication best practices for contactless open payments acceptance in transit. - [Biometric Payment Cards](https://www.securetechalliance.org/publications-biometric-payment-cards/) This white paper was developed by the Secure Technology Alliance Payments Council to provide a primer on biometric payment cards for issuers, issuer processors, payment networks and merchants. The white focuses on a specific implementation – one that incorporates fingerprint capture, template storage, and matching on the payment card itself – and reviews the biometric payment card technology and transaction process, key benefits, implementation considerations, and real-world examples. - [Card Payments Roadmap in the U.S.: How Will EMV Impact the Future Payments Infrastructure?](https://www.securetechalliance.org/publications-card-payments-roadmap-in-the-us/) The Smart Card Alliance developed this white paper to educate stakeholders across the payments value chain about the critical aspects of deploying an EMV solution in their business environments in the U.S. The white paper describes the current state of the payments infrastructure in the U.S., discusses the impact of the global deployment of EMV on possible roadmaps, and provides a primer on EMV card authentication, cardholder verification and transaction authorization methods. For each stakeholder (issuers, merchants, acquirers/processors and ATM owners), the white paper outlines actions that need to be taken to issue EMV cards, and to accept and process EMV transactions. - [Chip-Enabled Mobile Marketing](https://www.securetechalliance.org/publications-chip-enabled-mobile-marketing/) The Smart Card Alliance developed this white paper to describe chip-enabled mobile marketing and discuss the value propositions and implementation approaches. The white paper includes an overview of mobile marketing applications and approaches, the value proposition of chip-enabled mobile marketing, use cases for chip-enabled mobile marketing (with 20 pilots or commercial services profiled), and implementation approaches. - [Consumer Experience at the Contactless Point-of-Sale](https://www.uspaymentsforum.org/consumer-experience-at-the-contactless-point-of-sale/) This U.S. Payments Forum white paper describes best practices for implementing contactless at the POS to reduce stakeholder and consumer confusion and to help contactless deliver fully on its benefits to merchants, issuers, consumers, and the entire payments ecosystem. - [Consumer Experience at the Contactless Point-of-Sale Webinar](https://www.uspaymentsforum.org/contactless-pos-experience-best-practices-webinar/) This U.S. Payments Forum webinar describes best practices for implementing contactless at the POS, including consumer communications, consumer transaction prompting and flow and cashier training. - [Consumer Interactions at the POS](https://www.uspaymentsforum.org/consumer-interactions-at-the-point-of-sale/) The U.S. Payments Forum developed this resource provide education on consumer interactions with payment terminals that can be used to develop practical guidance for safer in-store payments. - [Contactless EMV Payments: Benefits for Consumers, Merchants and Issuers](https://www.securetechalliance.org/publications-contactless-emv-payments-benefits-for-consumers-merchants-and-issuers/) The Smart Card Alliance Payments Council developed this white paper to describe the value propositions of contactless EMV payments for issuers and merchants. The white paper provides a fresh look at contactless payments in the current U.S. payments environment that is embracing both EMV and NFC-enabled mobile devices. - [Contactless EMV Payments: Issuer Opportunities](https://www.securetechalliance.org/activities-events-webinar-contactless-emv-payments-issuer-opportunities/) This Smart Card Alliance Payments Council webinar discussed the opportunities that contactless EMV payments offer to issuers. The webinar answered the most important questions about the adoption of contactless payments, such as: how contactless fits into today’s payment industry; what is different from earlier adoption attempts; and why the ideal time to go contactless is now. - [Contactless EMV Payments: Merchant Opportunities](https://www.securetechalliance.org/activities-events-webinar-contactless-emv-payments-merchant-opportunities/) This Smart Card Alliance Payments Council webinar discussed the opportunities that contactless EMV payments offer to merchants. The webinar answered the most important questions about the adoption of contactless payments, such as: how contactless fits into today’s payment industry; what is different from earlier adoption attempts; and why the ideal time to go contactless is now. - [Contactless Limits and EMV Transaction Processing](https://www.uspaymentsforum.org/contactless-limits-and-emv-transaction-processing/) The U.S. Payments Forum developed this resource to provide guidance on how contactless limits are used during EMV contactless transaction processing in the U.S. - [Contactless Operating Mode Requirements Clarification](https://www.uspaymentsforum.org/contactless-operating-mode-requirements-clarification/) The U.S. Payments Forum developed this white paper to provide a resource to help merchants, issuers and acquirers understand the contactless operating mode rules set by each of the payment networks. - [Contactless Payments in the U.S.: Guides for Merchants and Issuers](https://www.securetechalliance.org/publications-contactless-payments-in-the-u-s-guides-for-merchants-and-issuers/) The Smart Card Alliance Payments Council developed two infographics to summarize the benefits of contactless EMV payments for issuers and merchants. - [Contactless Payments: Issuer Benefits and Considerations](https://www.securetechalliance.org/contactless-payments-benefits-and-considerations-issuers-recording/) This Secure Technology Alliance Payments Council webinar discussed the status of U.S. and global contactless deployment, the issuer benefits of contactless payments and key issuer implementation considerations. - [Contactless Payments: Merchant Benefits and Considerations](https://www.securetechalliance.org/contactless-payments-benefits-and-considerations-merchants/) This Secure Technology Alliance Payments Council webinar discussed the status of U.S. and global contactless deployment, the merchant benefits of contactless payments and key issuer implementation considerations. - [Contactless Payments: Proposed Implementation Recommendations](https://www.securetechalliance.org/publications-contactless-payments-proposed-implementation-recommendations/) This white paper was developed by the Secure Technology Alliance Payments Council to discuss the challenges of issuing, accepting and processing ISO/IEC 14443/NFC contactless transactions and to help the market work through pre-EMV and post-EMV challenges to promote contactless issuance and acceptance. - [Contactless Payments Security Questions & Answers](https://www.securetechalliance.org/publications-contactless-payment-security-qa/) This document was developed to address questions raised by the media about the security of contactless payment transactions and the risk of fraud to consumers. - [Debunking EMV Myths](http://www.uspaymentsforum.org/debunking-emv-myths/) The U.S. Payments Forum created this guide to provide accurate information for all stakeholders communicating about contact and contactless chip technology, including card issuers, retailers and the media. - [Dual-Interface Card Personalization](http://www.uspaymentsforum.org/dual-interface-card-personalization/) This U.S. Payments Forum resource provides the issuing community with an educational resource on ODA and provides recommendations for issuing and personalizing dual-interface cards for the U.S. market. - [EMV Level 3 Contactless Certification Recommended Solutions to Reduce Deployment Time](https://www.uspaymentsforum.org/emv-level-3-contactless-certification-recommended-solutions-to-reduce-deployment-time/) The U.S. Payments Forum Testing and Certification Working Committee developed this resource to discuss challenges and potential solutions to implementation and deployment of Level 3 (L3) certified EMV contactless implementations for merchants. - [EMVCo Payment Account Reference (PAR): A Primer](https://www.securetechalliance.org/publications-emvco-payment-account-reference-a-primer/) This white paper was developed by the Secure Technology Alliance Payments Council to provide a primer on the EMVCo Payment Account Reference (PAR), document expected use cases for the PAR and describe the impact of PAR implementation on key payments ecosystem stakeholders. - [EMV and NFC: Complementary Technologies Enabling Secure Contactless Payments](https://www.securetechalliance.org/publications-emv-and-nfc-complementary-technologies-enabling-secure-contactless-payments/) The Smart Card Alliance Mobile and NFC Council and Payments Council developed this white paper to explain how EMV and NFC are companion technologies and clarify how they work together to enable secure payments.  The white paper discusses the current status of EMV chip migration in the U.S., predictions for contactless payment, the intersection of EMV contact, contactless and dual interface chip cards and mobile NFC devices for payment, and key considerations for contactless payment implementations. - [EMV Payment Tokenization Primer and Lessons Learned](https://www.uspaymentsforum.org/emv-payment-tokenization-primer-and-lessons-learned/) The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to provide a primer on EMV payment tokenization and describe implementation lessons learned. - [EMV Tokenization Webinar](https://www.securetechalliance.org/activities-events-webinar-emv-tokenization/) This Smart Card Alliance Mobile Council webinar provided an overview of EMV tokenization, reviewed the requirements for token service providers, discussed the tokenization methods used in digital wallets like Apple Pay, Samsung Pay and Android Pay, as well as in-app purchases, and addressed tokenization implementation and security considerations. - [How Emerging Data Elements Can Support Mobile Wallet Use Cases](https://www.uspaymentsforum.org/how-emerging-data-elements-can-support-mobile-wallet-use-cases/) The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to provide an overview of emerging data elements and their use in face-to-face transactions initiated from non-traditional payment devices. - [GetContactless.com](https://www.getcontactless.com/) The U.S. Payments Forum developed this web site to provide easy-to-use resources for merchants interested in enabling consumers to make contactless payments. - [Guidelines for Contactless ATM Transactions – A Guide for ATM Owners and Operators](http://www.uspaymentsforum.org/guidelines-for-contactless-atm-transactions-a-guide-for-atm-owners-and-operators/) This U.S. Payments Forum white paper provides guidelines and best practices for accepting contactless transactions completed with Near Field Communication (NFC)-enabled mobile wallets and contactless-enabled chip cards at the ATM. - [Implementation Considerations for Contactless Payment-Enabled Wearables with Secure Elements](https://www.securetechalliance.org/publications-implementation-considerations-for-contactless-payment-enabled-wearables/) This white paper was developed by the Secure Technology Alliance Payments Council to provide an educational resource on the wearables landscape, focusing on ISO/IEC 14443/secure element-based implementations, and to discuss key considerations for implementing payments in wearables. - [IoT and Payments: Current Market Landscape](https://www.securetechalliance.org/publications-iot-and-payments-current-market-landscape/) This white paper was developed by the Secure Technology Alliance IoT Security Council and Payments Council to provide a resource for the industry that outlines the current market landscape for implementing payments with IoT devices and provides guidance for developing IoT applications that will include payment. - [Mobile and Contactless Payments Requirements and Interactions](http://www.uspaymentsforum.org/mobile-and-contactless-payments-requirements-and-interactions/) The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to provide guidance on how mobile and contactless payments requirements are collected from payments ecosystem stakeholders. - [Mobile and Digital Wallets Lunch & Learn Webinar Series](http://www.uspaymentsforum.org/mobile-and-digital-wallets-lunch-learn-webinar-series/) This U.S. Payments Forum webinar series provided an in-depth review of mobile wallet models, security approaches and key merchant and issuer considerations for adoption. - [Mobile and Digital Wallets: U.S. Landscape and Strategic Considerations for Merchants and Financial Institutions](http://www.uspaymentsforum.org/mobile-and-digital-wallets-u-s-landscape-and-strategic-considerations-for-merchants-and-financial-institutions/) The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to provide guidance to merchants and financial institutions on models, technologies and usage drivers for mobile and digital wallets. - [The Mobile Payments and NFC Landscape: A U.S. Perspective](https://www.securetechalliance.org/publications-the-mobile-payments-and-nfc-landscape-a-us-perspective/) The Smart Card Alliance developed this white paper to provide an overview of the current state of the market for mobile payments and NFC-enabled payment applications in the U.S and to discuss the advantages and disadvantages of different mobile payment approaches. The white paper describes mobile financial applications in use today, discusses the different mobile payments approaches, provides an update on the status of NFC mobile contactless payments infrastructure in the U.S., and evaluates how different mobile payment approaches fulfill overall market requirements. - [Mobile Payments Standards Glossary](https://www.uspaymentsforum.org/mobile-payments-standards-glossary/) The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this reference to list standards and standards bodies that are applicable to mobile or contactless payments. - [Near Field Communication (NFC) and Transit: Applications, Technology and Implementation Considerations](https://www.securetechalliance.org/publications-near-field-communication-and-transit/) This white paper was developed by the Smart Card Alliance Transportation Council to discuss mobile applications that are relevant to the transit industry and to provide an overview of the benefits and implementation considerations for NFC applications. - [NFC Frequently Asked Questions](https://www.securetechalliance.org/publications-nfc-frequently-asked-questions/) This FAQ was developed by the Smart Card Alliance to answer questions about Near Field Communication (NFC) technology and NFC-enabled applications. - [Options for Reducing Level 3 EMV Certification Time for Retailer Systems using Electronic Payment Servers (EPS)](https://www.uspaymentsforum.org/options-for-reducing-level-3-emv-certification-time-for-retailer-systems-using-electronic-payment-servers/) The U.S. Payments Forum Testing and Certification Working Committee developed this resource to discuss solutions to help reduce the implementation time and effort required for the AFD community to meet the October 2020 fraud liability shift deadline. - [Security of Proximity Mobile Payments](https://www.securetechalliance.org/publications-security-of-proximity-mobile-payments/) This white paper provides an overview of the ecosystem of proximity mobile payments. It introduces the stakeholders in the mobile payment ecosystem and describes their roles and responsibilities in assuring the security of sensitive data. It explains how the payment application, consumer credentials and consumer account information are securely delivered to, loaded on and stored in a mobile device. It explains how a mobile device transmits data to a merchant at the point of sale, identifies risks present during the lifecycle of the payment device, and suggests countermeasures. It also identifies industry standards and certifications organization organizations that address this ecosystem. - [Serving Unbanked Consumers in the Transit Industry with Prepaid Card](https://www.securetechalliance.org/publications-serving-unbanked-consumers-in-the-transit-industry-with-prepaid-cards/) The Smart Card Alliance Transportation Council developed this white paper to provide the transit and financial industries with an educational overview of the various methods available for providing and re-loading fare media to individuals who do not have credit or debit cards, nor checking or savings accounts, and generally lack relationships with traditional banking institutions. - [Tips for Cleaner Payments](https://www.uspaymentsforum.org/tips-for-cleaner-payments/) The U.S. Payments Forum developed this resource to provide practical tips for a “cleaner” payment experience for merchants, ATM owners and consumers. - [Transit and Contactless Open Payments: An Emerging Approach for Fare Collection](https://www.securetechalliance.org/publications-transit-financial-2011/) This white paper was developed by the Smart Card Alliance Transportation Council to inform the transit industry of the opportunities, benefits and challenges of accepting contactless open bank cards for fare payment and to inform the bank card industry of unique requirements for transit fare collection. - [Transit Contactless Open Payments: Technical Solution for Pay As You Go](http://www.uspaymentsforum.org/transit-contactless-open-payments-technical-solution-for-pay-as-you-go/) This U.S. Payments Forum Transit Contactless Open Payments Working Committee resource provides technical solution guidance for implementing transit contactless open payments use cases with contactless EMV cards and NFC-enabled mobile devices. - [Trusted Execution Environment (TEE) 101: A Primer](https://www.securetechalliance.org/publications-trusted-execution-environment-101-a-primer/) This white paper was developed by the Secure Technology Alliance Mobile Council to provide an educational resource on the TEE and relevant use cases.  The white paper describes the TEE as a candidate for a mobile security solution that supports a wide range of use cases, such as payment apps, content protection, corporate applications, and loyalty. - [What Makes a Smart Card Secure?](https://www.securetechalliance.org/publications-smart-card-security/) This white paper was developed by the Smart Card Alliance Payments Council Security Work Group to provide an overview of the security features available with contactless and contact smart cards and describe how the security features might apply or be important to different applications. ### Nothing related. 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