Message from the Chair of the EMVCo Board of Managers

Following extensive engagement with industry stakeholders, Q3 2025 saw EMVCo release a draft document describing an interoperable open payment solution for electric vehicle (EV) charging. The document outlines how EMV® Secure Remote Commerce (SRC) technology – which simplifies the digital payment process to help make it more consistent, convenient and secure – can be used to integrate EMV-based payments at EV charging stations supporting Plug and Charge. 

EMVCo also announced a joint initiative with CharIN E.V. The project focuses on enabling interoperable ISO 15118 Plug & Charge systems to accommodate EMV-based open card payments. 

EMVCo has also updated the EMV 3-D Secure (EMV 3DS) White Paper to help banks, solution providers and merchants optimise the EMV 3DS payment authentication experience. This is part of our wider programme of work to make the EMV 3DS Specifications and supporting documentation easier for stakeholders to access and consume.  

As we move into Q4 2025, we look ahead to this week’s Board of Advisors Meeting in Charleston, USA,  where we will be discussing key strategic priorities for our organisation. These include EMV SRC, Electric Vehicle Open Payments (EVOP), Payment Tokenisation, EMV 3DS, Biometric on Card, and Digital Identity. There will also be a presentation from EMVCo Associate Bank of America, hosted by Jeff Bohlin, Director of Payment Solutions, a presentation by James Rendell, Chief Technology Officer at Arcot – Broadcom Payment Security Division, and a session by guest speaker Christina Hulka, Executive Director of the Secure Technology Alliance.

EMVCo Associates can also join us in November 2025 for our Technical Meeting in Vienna, Austria, to provide their expert input to specification development activity. This will be followed by a Special Interest Meeting from the Terminal Testing Group on the Relay Resistance Protocol (RRP).  

I look forward to engaging with you all during my time as Chair and would also like to take the opportunity to thank my predecessor Soumya Chakrabarty for his leadership over the last 12 months.

As always, we’ve detailed below a summary of EMVCo news, technical updates and activities from the last quarter, and highlighted the latest educational resources available to support understanding of EMVCo’s work. We encourage you to share this newsletter with your colleagues and industry peers.

Mark Rigby

Chair of EMVCo Board of Managers, 2025-26

Upcoming Meetings

Associates can register for the following sessions via the EMVCo website.

  • Board of Advisors Meeting, 21-22 October 2025, Charleston, USA
  • Technical Meeting, 17-20 November 2025, Vienna, Austria
  • Special Interest Meeting on RRP, 20 November 2025, Vienna, Austria

Not yet an EMVCo Associate? Find out more about how to participate.

News

EMVCo Requests Feedback on Electric Vehicle Open Payments Solution

Following review from EMVCo Associates and Subscribers, the EV Open Payments Use Case document was published for initial public review on 04 August. An updated version – incorporating feedback and comments from industry stakeholders – will soon be available for public review.  

Learn more here.

CharIN and EMVCo Launch Special Project to Advance Payment Solutions for EV Charging

The new joint initiative – titled “New Payment Solutions” – brings together global industry leaders to discuss how EMV-based payments can work alongside ISO 15118 Plug & Charge systems in an open, secure, and interoperable way.

The project is designed as a multi-phase effort and participants include original equipment manufacturers (OEMs), charging station operators (CSOs) and mobility operators (MOs).

To request more information or explore how your company could be involved in the project, please reach out to Alexander Janissek at CharIN or Arman Aygen, Director of Technology at EMVCo.

Learn more here.

EMVCo Releases Version 2.0 of the EMV® 3-D Secure (EMV 3DS) White Paper

The EMV 3DS White Paper examines the business value, technical elements, user experience considerations, and example use cases associated with key EMV 3DS features. This second version of the White Paper has been updated to cover additional topics such as the Challenge Flow, including insight into WebAuthn, Secure Payment Confirmation (SPC) and Decoupled Authentication. Dedicated guidance on the role that 3DS message extensions and the Split-SDK play in supporting more flexible deployments has also been added.

View the White Paper here.

An Introduction to EMVCo Approvals and Evaluations for In-Person Payments

EMVCo has published a new eBook exploring the testing processes, known as EMVCo Approvals and Evaluations, that help to enable seamless and secure in-person payments across the globe.

Download the eBook here.

Technical Updates

EMV® Secure Remote Commerce Specifications v1.5

Updates to the EMV® Secure Remote Commerce – Application Programming Interface (API) Specification and the EMV® Secure Remote Commerce – Java Script Software Development Kit (SDK) Specification have been published and have undergone initial review from EMVCo Associates and Subscribers.

SB n° 279 EMV® 3-D Secure Protocol and Core Functions Specification v2.2.0–2.3.1.1

Provides updates, clarifications and errata incorporated into the EMV® 3-D Secure Protocol and Core Functions Specification since version 2.2.0 (as amended by Specification Bulletin No. 214v3).

SB n° 280 EMV® 3-D Secure SDK Specification v2.2.0–2.3.1.1

Provides updates, clarifications and errata incorporated into the EMV® 3-D Secure SDK Specification since version 2.2.0.

TapToMobile User Experience Guidelines

The goal of this document is to highlight the differences between a Traditional Terminal and a TapToMobile solution, and identify how these differences affect the user experience, and what user experience guidance EMVCo can provide to address related issues.

KL Bulletin N°29: EMVCo Annual RSA Key Lengths Assessment

Following its annual review of the Certification Authority Public Key lengths and expiry dates for chip-based payment, EMVCo has published recommendations on Rivest-Shamir-Adleman (RSA) and Elliptic Curve Cryptography (ECC) keys.

SB n°246 Contact – Introduction of Protocol and Parameters Selection

Changes requirements to improve the data communication speed relating to the EMV® Contact Interface Specification, Version 1.0, October 2022.

Learn more about the technical updates on the EMVCo website.

Events

EMVCo engages with payment stakeholders at industry events across the world. Below are some of the events EMVCo attended in July, August, September and October 2025:

MRC San Diego

EMVCo’s Director of Engagement and Operations, Oliver Manahan, joined the merchant payments ecosystem at MRC San Diego in September to deliver a presentation on “The Evolution of 3-D Secure: Addressing New Requirements in Payment Authentication”​.

PCI SSC North America Community Meeting

Oliver Manahan also joined the PCI Security Standards Council (PCI SSC) for its annual North America meeting to deliver a talk exploring the latest advancements in EMV technology and how they are enabling secure and seamless payments.

Infineon Banking Day 

EMVCo’s Director of Technology, Arman Aygen, participated in a panel session to discuss the digitalisation of payment cards. Arman also delivered a presentation that discussed advancements in EMV Technologies and shared an update on EMVCo’s activities.

FIDO Authenticate

EMVCo’s Director of Technology, Arman Aygen, participated in a panel session exploring the use of passkeys in payments.  

Don’t miss EMVCo at these upcoming industry events this year:

  • International Forecourt Standards Forum (IFSF) Conference
  • W3C TPAC

Educational Resources and Updates from EMVCo

Do you have colleagues, partners or customers who would benefit from greater EMV understanding? Check out and share these latest educational resources for insights and information on the role and value of EMVCo and EMV Specifications.

EMV Insights

Resources

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