Message from the Chair of the EMVCo Board of Managers

EMVCo is committed to advancing the EMV® Specifications to reflect the transformative technological shifts now accelerating change across the payments industry.

In recognition of the distinct considerations presented by growing momentum for agentic commerce, we have been working on how global specifications can support innovation in agentic payment solutions by increasing interoperability across the ecosystem. An Agentic Payments Task Force has now been established to define and develop EMVCo’s approach, examining scenarios in which consumers authorise artificial intelligence (AI) agents to use card payments for purchases on their behalf.

In response to the increasing proliferation of verifiable digital credentials (VDCs) across digital identity ecosystems, EMVCo is leveraging its proven experience in promoting global interoperability to define a Digital Payment Credential (DPC) that represents a payment-specific application of VDCs. This work is initially focused on defining the data that a credential contains and how it is structured – known as a ‘schema’ – to support secure, privacy-preserving and scalable authentication for card-based payments.

EMVCo has also published Version 1.0 of the Electric Vehicle (EV) Open Payments Use Case document. The document explains how EMV Secure Remote Commerce (SRC) technology can be used to integrate card-based payments at EV charging stations supporting ISO 15118 Plug and Charge – helping enable a trusted, consistent and convenient EV charging payment experience for drivers across the world.

To support other emerging SRC use cases, EMVCo is exploring opportunities to evolve the EMV SRC Specifications, including use cases beyond e-commerce, to simplify their use and aid industry understanding to promote innovation. Work also continues to enhance the EMV 3-D Secure (3DS) Specifications, moving towards a specification structure and delivery process that helps to simplify solution development and deployment, while optimising testing. This reflects a wider ambition to make all EMV Specifications and related documentation more flexible, quicker to update, and easier to use.

All these initiatives require extensive industry engagement and collaboration. Our first Board of Advisors Meeting of the year provided an opportunity to explore key industry developments, and we look forward to continuing these conversations – and more – at our upcoming Technical Meeting in Singapore from 14-16 April. Registration for this event is still open, with an additional option for Associates to attend sessions virtually.

This will be followed by our annual EMV User Meeting, which takes place from 9-10 June in Salt Lake City, Utah, USA. If you are planning on attending to explore the trends and technologies shaping card payments with industry peers, you can benefit from early bird pricing until 15 April.

The below summarises key EMVCo news, technical updates and activities from the first quarter of 2026, outlining 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.

Tabitha Odom,

Chair of the EMVCo Board of Managers

Upcoming Meetings

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

  • Technical Meeting, 14-16 April, Singapore
  • EMV 3DS Targeted Technology Engagement Session #3, 15 April, Singapore*
  • EMV User Meeting, 9-10 June, Salt Lake City, Utah, USA**
  • Board of Advisors Meeting, 13-14 October, Hong Kong
  • Technical Meeting, 10-12 November, Vancouver, Canada

* Invited EMVCo Subscribers can register for this meeting.
** All EMVCo Subscribers can register for this meeting. 

Learn more about EMVCo participation opportunities here.

News

EMVCo Annual Report 2025

EMVCo’s 2025 Annual Report reflects on the organisation’s work in 2025 and explores the key initiatives shaping seamless and secure payments in 2026 and beyond.

Learn more here.

EMVCo Publishes Version 1.5 of the EMV® SRC Specifications

In addition to editorial clarifications and general revisions, Version 1.5 introduces two major updates: support for EV open payments and the use of passkeys for card listing.

Learn more here.

EMVCo Publishes Version 1.0 of the Electric Vehicle Open Payments Use Case Document

Version 1.0 of the EV Open Payments (EVOP) Use Case Document outlines an interoperable open payment solution for EV charging using EMV SRC technology to integrate card-based payments at EV charging stations supporting ISO 15118 Plug and Charge. 

Learn more here.

How Merchants and Issuers Can Enhance Browser-Based Out-Of-Band Authentication

EMVCo published the EMV 3DS White Paper to promote the understanding and effective use of key EMV 3DS Specification features. This includes out-of-band (OOB) authentication, and EMVCo has been working with the industry to provide recommendations to help improve the user experience and approval rate when it is used in browser-based transactions.

Learn more here.

Technical Updates

Available to Public:

EVOP Use Case Document v1.0

Outlines how EMV SRC technology can be used to integrate card-based payments at EV charging stations supporting ISO 15118 Plug and Charge.  

EMV® Secure Remote Commerce – Click to Pay Customer Experience (CX) Guidelines v1.2

Provides up-to-date requirements and best practices to enable a consistent, secure and customer friendly experience.   

EMV® Level 1 Specifications for Payment Systems: EMV Contactless Interface Specification v4.0

Revises the EMV Contactless Interface Specification, in line with changes introduced by recent Specification Bulletins.

SB n° 316 Update to Book C-5

Provides an update to the requirement (CVM for Transit Reader) that the reader supporting only transit shall not support any Cardholder Verification Methods.

SB n° 314 Update to Terminal Risk Management Data (Book C-8)

Proposes enhancements to Terminal Risk Management Data (TRMD) – which indicates reader capabilities, requirements, and preferences to the card – aiming to improve the exchange of transaction context between terminals and cards in key transaction environments.

SB n° 320 Update to SRC Specifications – API v1.5

Provides an update to improve descriptions that discuss how the APIs and data elements are used to support the EVOP Use Case v1.0.

EMVCo SBMP Security Evaluation Process v1.9

Describes the EMVCo Security Evaluation Process requirements and procedures for the evaluation of Software-Based Mobile Payment (SBMP) product solutions.

EMVCo Security Evaluation Process v5.5

Describes the EMVCo Security Evaluation Process requirements and procedures for Integrated Circuit (IC), Platform (IC + OS), and Integrated Circuit Card (IC + OS + App) products.

EMVCo Certificate Issuance, Renewal, and Extension Process v2.2

Provides an update on extending the EMVCo Certificates’ life cycle to ten years and references latest document versions.

Available to Associates:

Digital Payment Credential Schema Framework

Outlines a framework for the Digital Payment Credentials Schema to promote interoperability and enable standardised processes for credential provisioning, request and verification.

Security Position Statement: Update on Quantum Computing and EMV Chip Cryptography

Second of three position papers authored by the EMVCo Security Working Group (SWG) on the threat posed by quantum computing to the cryptography used for EMV Chip.

Available to Associates and Subscribers:

EMV® Level 3 (L3) Testing Framework Participant Systems Guidelines

Provides specific implementation details and instructions for creating and supporting various technical components of the L3 Framework.

View the latest EMV Specifications and Technical Resources 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 January, February and March 2026:

APSCA Next-Generation Payments

Director of Engagement and Operations, Oliver Manahan, explained how EMVCo is working with stakeholders to advance EMV technologies to promote seamless and secure card-based payment. He also took part in a panel discussion on combatting unauthorised fraud.

Secure Technology Alliance (STA) Identity & Payments Summit

Oliver Manahan delivered a presentation on how EMVCo is exploring advances in digital identity and payments.

European Association of Payment Service Providers for Merchants Meeting

EMVCo’s European Liaison, Tim Stuart and Director of Technology, Arman Aygen, presented the latest updates to the EMV SRC Specifications and the ‘Use of the EUDI Wallet in EMV 3-D Secure Payment Authentication’ whitepaper.

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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EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC

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