Publications – Payments
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.
This Secure Technology Alliance Payments Council webinar provides a primer on biometric payment cards that use fingerprints to authenticate the cardholder. New technologies that enable template matching and storage in the secure element, battery-free operation, and fast transactions are being showcased in pilots and proof-of-concept launches around the world. Webinar topics include: overview of biometric payment card technology; user experience and implementation considerations for biometric payment cards; examples of real-world implementations.
This white paper was developed by the Secure Technology Alliance Payments Council to provide a primer on blockchain technology, discuss use cases that are currently commercially available or being piloted, and discuss the role secure element/smart card technology plays in the different use cases.
The Smart Card Alliance Mobile and NFC Council developed this primer to provide an educational resource on Bluetooth low energy, describing what it is, how it’s used, how it fits with other mobile technologies, and what security aspects should be considered for BLE-enabled applications.
This U.S. Payments Forum resource provides implementation guidance on application selection logic used by U.S. POS terminals to enable interoperability when processing Canadian cards.
The Smart Card Alliance Payments Council developed this white paper to educate payment industry stakeholders about the impact of and need to further address card-not-present fraud in conjunction with migration to EMV in the U.S. The paper summarizes recent trends in e-commerce and various types of fraud. The paper then briefly defines authentication, lists the building blocks commonly used to design authentication processes, and discusses both merchant and issuer considerations. The paper concludes with a brief discussion of historical approaches to combatting CNP fraud.
The U.S. Payments Forum created this video recording to review EMV Cardholder Verification Method concepts, implementation and impact on issuers, ATM owners, merchants, and cardholders.
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.
The Smart Card Alliance Payments Council developed this white paper to describe the changing U.S. payments landscape for purchases at physical stores. The white paper reviews new innovations in payment trends and devices, discusses the impact on EMV migration, and offers perspectives on how these trends are changing the way consumers pay and merchants accept card-present transactions.
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.
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.
This U.S. Payments Forum presentation provides a clear description of how an EMV transaction is secured using “cryptograms.” The presentation utilizes animation, straightforward messaging, and commentary to help the viewer understand the concept of cryptogram creation and validation in an EMV transaction.
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.
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.
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.
The Smart Card Alliance Payments Council developed two infographics to summarize the benefits of contactless EMV payments for issuers and merchants. View the infographics.
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.
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.
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.
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.
This U.S. Payments Forum white paper provides guidance to assist merchants, acquirers and issuers with contactless payments implementation.
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.
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.
This recorded U.S. Payments Forum webinar provides guidance to help industry stakeholders create sound communication strategies that will help the U.S. market understand and embrace chip payments and their many security benefits.
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.
This recorded U.S. Payments Forum webinar provides a primer on EMV chip payments, including the EMV transaction flow and options for card authentication, cardholder verification and transaction authorization.
This white paper provides an educational resource on EMV chip migration for the healthcare industry. The white paper describes EMV chip technology, discusses the impact of EMV for healthcare providers and hospital systems, and outlines how the healthcare industry can prepare for EMV chip migration.
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.
The Smart Card Alliance Transportation Council white paper, EMV and Parking, was developed in partnership with the International Parking Institute. The updated white paper provides parking industry stakeholders with an educational resource about the critical aspects of deploying an EMV solution in the parking infrastructure. The white paper provides an overview of EMV chip technology and describes key considerations and refreshed implementation scenarios for parking industry stakeholders who want to accept and process EMV chip transactions in both attended and unattended environments.
The U.S. Payments Forum white paper, “EMV Chargeback Best Practices,” paper discusses the appropriate treatment and mitigation of both counterfeit and lost/stolen chip liability shift chargebacks occurring after the liability shift dates for contact chip cards used in attended transactions. The white paper includes best practices for issuers, merchants (both chip-enabled and non-chip-enabled) and acquirers.
This U.S. Payments Forum infographic was designed to answer the key questions surrounding the U.S. migration to EMV chip cards for payment. From this infographic, readers will learn what the migration is and when it will happen; the security features of chip cards; what will change for the consumer; and how the payment process works with chip cards.
The Smart Card Alliance Payments Council developed this interactive PowerPoint presentation as an educational resource for the payments industry. The presentation shows the full EMV ecosystem, with participants who play roles in EMV issuance, acceptance and transaction processes. The presentation provides details on the participant’s role, example organizations that play this role, and key links with other ecosystem participants.
This FAQ was developed by the Smart Card Alliance to answer questions about EMV.
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.
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.
The U.S. Payments Forum white paper, “EMV Testing and Certification White Paper: Current Global Payment Network Requirements for the U.S. Acquiring Community,” defines the current processes required to test EMV chip transactions with American Express, Discover, MasterCard, and Visa and includes examples of use cases that identify when testing or retesting is required for EMV chip and contactless terminals, when retesting is recommended as a best practice, and when only standard internal testing is advised.
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.
This recorded U.S. Payments Forum workshop provides a comprehensive review of chip technology and focused sessions on the development process and implementation best practices.
The Smart Card Alliance and EMVCo hosted a two-part webinar series to review the status of payment specifications and tokenization. The first webinar discussed progress made by the U.S. market in adopting EMV chip payments, contactless mobile payments and payment tokenization and described the evolution of EMVCo’s scope from the original EMV Chip Specification to now include card and terminal type approval, interoperability, contactless, mobile, next generation payment, and the specifications for payment tokenization and 3D Secure 2.0. The second webinar provided a deep dive into payment tokenization, covering how tokenization provides a layer security approach for payments and what EMVCo’s current payment tokenization activities and priorities are.
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.
The U.S. Payments Forum developed a glossary that defines a set of standard terminology for common chip, EMV, and EMV migration terms for use in educational and marketing communications relating to the U.S. migration.
This white paper was developed by the Smart Card Alliance Transportation Council to provide an overview of the prepaid card industry and the products available, including network-branded prepaid cards. It is directed to readers who work for or support transit agencies. The paper provides guidance on what transit agencies should look for when evaluating the feasibility and benefits of using prepaid cards as one element of an open loop fare collection system. The paper also provides useful information to other members of the prepaid card industry who have an interest in collaborating with the mass transit industry to expand the use of prepaid cards.
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.
The Smart Card Alliance Health and Human Services Council developed this white paper to outline a vision for healthcare identity authentication and payments convergence and to provide insight into the opportunities and challenges afforded to the healthcare community as the U.S. migrates to EMV.
The Smart Card Alliance Mobile and NFC Council developed this white paper to provide an educational resource on host card emulation (HCE), describing what it is, how it’s used, how it compares with the secure element (SE)-based card emulation approach, what key considerations are for payment applications, and what security aspects should be considered for HCE-enabled applications.
The Smart Card Alliance Mobile and NFC Council hosted this webinar to describe Host Card Emulation (HCE), discuss security approaches that can be used to mitigate HCE-related risks and describe real-world HCE implementations.
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.
This U.S. Payments Forum white paper provides guidance to ATM providers, acquirers, processors, and vendors who are preparing to implement EMV at the ATM in the United States. It includes information about which functions must be implemented to provide EMV compliance at the ATM, as well as recommended planning activities for EMV implementation. Technical details about an EMV transaction are also included.
This U.S. Payments Forum white paper provides guidance provide for ATM owners and issuers who are contemplating implementing PIN change at the ATM as part of, or subsequent to, their U.S. EMV migration. The white paper covers major considerations, including: PIN change in the magnetic stripe and EMV environments; current global payment network offerings supporting PIN change; key decisions and additional considerations for ATM owners and issuers.
The U.S. Payments Forum published this white paper to provide an educational resource for issuers that documents the best practices for transitioning an existing instant issuance solution to support the issuance of EMV chip cards.
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.
The U.S. Payments Forum Knowledge Center is the online resource library for all stakeholders involved in U.S. EMV implementation. The Knowledge Center has gathered white papers, links, industry best practices and other resources from across the web, all relevant to EMV migration in the U.S.
This recorded U.S. Payments Forum webinar provides guidance on the status of the U.S. migration, considerations for making the decision to accept chip payments, and tools to begin project planning for chip card acceptance implementation.
The U.S. Payments Forum white paper, “Merchant Processing during Communications Disruption,” discusses best practices for merchants processing EMV chip transactions when communications are disrupted. The white paper discusses three processing options: EMV offline authorization; deferred authorization of an EMV card transaction; and force post of an EMV card transaction
This U.S. Payments Forum resource defines the minimum card and terminal EMV requirements for payment networks American Express, Armed Forces Financial Network (AFFN), China UnionPay, Discover, Jeanie, MasterCard, NYCE, PULSE, SHAZAM, STAR and Visa, in the context of the U.S. electronic payments marketplace and the October 2015 liability shifts.
The Smart Card Alliance Mobile and NFC Council, in partnership with GlobalPlatform and the NFC Forum, hosted a series of four webinars on mobile and NFC security fundamentals. The goal of the webinar series was to provide an educational resource for mobile application developers and the mobile community on the choices for security implementations for NFC applications.
The Smart Card Alliance Mobile and NFC Council developed a reference guide to mobile/NFC standards and an interactive PowerPoint tool to educate industry stakeholders broadly on the standards, specifications and certification requirements for the NFC ecosystem. The resources list standards and specifications that are relevant when deploying different NFC applications.
This white paper was developed by the Secure Technology Alliance Mobile Council to provide an overview of mobile ID authentication, to highlight use cases that rely on secure user credentials stored on a mobile device, and to provide some perspectives on how emerging technologies and standards are addressing the growing need for mobile ID authentication. Use cases highlighted include access control, payments, government-to-consumer services, and corporate applications.
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.
The Secure Technology Alliance Transportation Council white paper, Multimodal Payments Convergence – Part One: Emerging Models and Use Cases, was developed in collaboration with the Association for Commuter Transportation to explore the rapidly evolving convergence of multimodal payments. The white paper describes emerging types of payments convergence and provides current examples of convergence.
The Secure Technology Alliance Transportation Council white paper, Multimodal Payments Convergence – Part Two: Challenges and Opportunities for Implementation, was developed to describe alternative visions of multimodal payments, the drivers and benefits of payments convergence, potential barriers to implementation and suggestions for actions to achieve payments convergence.
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.
The Smart Card Alliance Mobile and NFC Council hosted a series of webinars to describe the wide variety of NFC applications and the ecosystem participants that are involved in delivering those applications.
This FAQ was developed by the Smart Card Alliance to answer questions about Near Field Communication (NFC) technology and NFC-enabled applications.
The U.S. Payments Forum white paper presents on three categories of approaches to help speed transactions and discusses their potential impacts for each stakeholder group in the U.S. payments ecosystem: “Faster EMV” solutions, contactless/Near Field Communication (NFC) transactions, and other EMV checkout optimization practices. For each category, a detailed description and analysis are presented, including considerations and implications for various stakeholder groups.
The U.S. Payments Forum published this white paper provide an educational resource on the EMV function of PIN Entry Bypass, how it can be implemented in the U.S. market, other actions that may process transactions allowing selection of cardholder verification method, and how those actions differ from PIN Entry Bypass.
This white paper was developed by the Smart Card Alliance Transportation Council to present a conventional approach for planning, conducting a cost analysis, and procuring a new fare payment system or upgrading an existing system. Additionally, a cost model is presented that allows the user to input an agency’s current fare payment and fare collection costs and compare them to the costs for proposed alternative systems. The cost model is available as an Excel workbook and provides an interactive tool for agencies to use to assess different fare payment system alternatives.
This U.S. Payments Forum guide provides a step-by-step resource for issuers and merchants to develop effective messaging and education approaches during the U.S. migration to chip technology. The guide recommends a consistent, continuous and multi-channel approach to provide specific details on chip technology use and security benefits within each stage of the migration.
The Smart Card Alliance Transportation Council white paper, Reference Enterprise Architecture for Transit Open Payment System, was developed to support developers, integrators, procurers, and users of open payment systems for transit and transportation services with a framework for specifying, developing, integrating and managing the lifecycle and evolution of these systems. The framework provides a model for implementing a seamless fare payment system that traverses transportation modes, jurisdictions, markets, and technologies.
This white paper was developed to provide 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.
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.
This U.S. Payments Forum white paper reviews suggested best practices for capturing and storing signatures on receipts, with input from global and domestic payment networks.
The Smart Card Alliance Payments Council developed this white paper to describe the role of EMV, encryption and tokenization for securing the payments infrastructure and preventing payment fraud. This white paper provides an overview of the three technologies and describes how each addresses payments security. The white paper concludes with a discussion of how payments industry implementation of the three technologies together secures the payments infrastructure and prevents payment fraud.
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.
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.
The Smart Card Alliance Transportation Council Merchant created an Excel model to assist transit agencies in comparing costs of current and new transit payments systems. The model’s overall purpose is to provide a tool for transit agencies to examine the near- and long-term cost implications of purchasing new fare payment equipment and of adopting different technology alternatives.
The Smart Card Alliance Payments Council recently published a white paper, The True Cost of Data Breaches in the Payments Industry, to provide an educational resource for payments industry stakeholders on the potential tangible and intangible costs that could be incurred during a data breach.
This U.S. Payments Forum white paper reviews use cases illustrating the hard and soft costs of fraud for consumers, merchants and issuers.
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.
This U.S. Payments Forum white paper defines recommendations for a debit technical framework for the U.S. payments industry. The white paper provides a high-level description of the technical solution, which follows the EMV specification and accommodates flexibility to current and potential future debit routing regulatory requirement scenarios, as well as principles and guidelines for implementation.
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.