EMV® Mobile supports the growing use of mobile devices for secure and convenient payments.
EMV Mobile supports the use of mobile devices for secure and convenient contactless payments. This includes mobile wallets and other card-based payments made with smartphones, tablets and wearables using Near-Field Communication (NFC) technology. EMV Mobile also supports mobile devices, with, or without, attachments for card reading, that merchants can use to accept payments, in place of traditional point-of-sale terminals.
EMVCo maintains EMV Specifications and supporting approval and evaluation processes for EMV Mobile.
EMV Mobile uses EMV Chip and EMV Payment Tokenisation for enhanced security.
EMV Mobile supports the development of mobile payment products that will work seamlessly and securely anywhere they are used for contactless transactions.
EMV Mobile enables a consistent and convenient payment experience for consumers wherever they are in the world.
Flexible to support loyalty programmes, transit ticketing and other offerings not dedicated to payments.
TapToMobile allows merchants to accept contactless payments directly on their NFC-enabled consumer mobile devices (phones or tablets) with no need for an additional connected device/dongle/attachment.
As part of the approval process for Mobile Level 1, EMVCo has created a type approval process for wearable devices.
In order to provide merchants and consumers with the best experience, the same distance criteria applies to cards, mobiles and terminals during level 1 testing of approval.
EMVCo has published a white paper on recommendations for how a wallet should manage payment cards (Payment Card Manager Whitepaper); however, security requirements for the storage of credentials are the only requirements EMVCo has for mobile wallets.
With traditional Cardholder Verification Methods (CVM), consumer authentication is performed on the merchant system (a PIN entered into a merchant device, for example). The growing use of mobile devices for payment transactions has enabled consumer authentication to be performed specifically on the consumer’s own device, via passcodes, passwords and patterns, as well as through biometrics such as fingerprint, iris, voice and facial recognition. This type of authentication on a consumer device is known as CDCVM. Additionally, when multiple payment applications on the device share the same CDCVM and the associated result, it is referred to as Shared CDCVM.
This document highlights the differences between a Traditional Terminal and a TapToMobile solution and identifies how these differences affect the user experience and what user experience guidance EMVCo can provide to address related issues.
This document provides best practice guidelines for the implementation and use of CDCVM Solutions. These best practices are intended to balance user experience and security relating to enabling one or more CDCVMs on a Consumer Device and the usage of CDCVMs when initiating a payment or during payment processing.
This document addresses frequently asked questions on EMVCo’s security evaluation process for software-based mobile payment components and solutions.
This document outlines EMVCo’s view on managing contactless applications for contactless payments.
Over a hundred organisations – including merchants, issuers, acquirers, payment networks, financial institutions, manufacturers, technology providers and testing laboratories – contribute their knowledge and expertise to the development of EMV Specifications.
EMVCo Associates can contribute their knowledge and expertise to shape the development of EMV Specifications.
EMVCo Subscribers can receive notice of pending EMV Specification developments and participate in a formal dialogue with EMVCo.
All industry participants can review and provide comments on new EMV Specifications and major updates before final publication.
EMVCo's new website and Participant Dashboard are now live. To access your account for the first time on our new website you'll need to carry out a password reset here. You will then be sent an email to reset your password.
EMVCo Associates, Subscribers and public users of emvco.com can create accounts to manage their engagement and participation with EMVCo. Using your EMVCo account, you can create your own watchlist of EMV technologies documents, monitor queries and responses, and manage your profile.