EMV® Specifications are technical requirements for designing payment products to work seamlessly and securely everywhere. This is important to the delivery of safe and reliable payments that merchants, businesses and consumers expect globally.
EMV® Specifications are technical requirements for designing payment products to work seamlessly and securely everywhere. This is important to the delivery of safe and reliable payments that merchants, businesses and consumers expect globally.
EMV Specifications are designed to be global, meaning any business in any country can adopt them and expect their products and solutions to work everywhere.
EMV Specifications are flexible to accommodate the needs of different geographies and marketplaces and support innovation.
EMV Specifications are available royalty-free on the EMVCo website for all to use.
EMV Specifications support the delivery of secure, seamless and consistent payments.
Payments technology continues to advance, and innovation in card-based payments is critical. To support seamless and secure payments, EMV Specifications need to evolve accordingly. This requires payments industry stakeholders to provide feedback throughout the specification development process.
Over a hundred banks, merchants, technology providers and other industry stakeholders contribute their knowledge and expertise to the development of EMV Specifications.
This results in EMV Specifications being used across the payments industry to create products and services that deliver trusted and convenient payments for merchants and consumers around the world.
More than 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.
Inconsistent processes and fragmentation across channels and regions create points of weakness, from both a security and consumer convenience perspective, which undermine the ability to deliver a safe and seamless payment experience.
EMV Specifications and related processes address these challenges by providing a common and secure foundation for the development and deployment of card-based payment products that will work on a global scale, while also supporting regional requirements so that consumers can expect a safe and successful purchase whether shopping in-store or online.
Organisations – including banks, merchants, technology vendors, and national and regional payment networks – use EMV Specifications to develop and deploy products that will work together seamlessly and securely for in-store, online and remote card-based payments. They are designed to be flexible and can be adapted regionally to meet national payment requirements and accommodate local regulations. Domestic networks across the world have widely implemented EMV Specifications.
EMV Specifications provide a foundation on which secure payment products can be built.
Individual payment networks use the specifications to further define and publish their own EMV compliance requirements and business rules.
EMV Specifications complement industry standards that provide high level rules for compatibility by defining specifically what is needed for a seamless and secure technical interaction between the point-of-sale and payment products used by the consumer.
EMVCo engages and collaborates with the global payments industry to develop and shape the future of EMV Specifications. It dedicates significant resources to developing EMV Specifications and makes them available to all industry participants.
Through the EMVCo Associates and Subscriber Programmes, merchants, issuers, acquirers, payment networks, financial institutions, manufacturers, technology providers and testing laboratories contribute their knowledge and expertise to the development of EMV Specifications.
EMV Specifications are publicly available for use by any organisation, and all payments industry stakeholders are encouraged to contribute to the development of EMV Specifications and provide input to EMVCo. To enable the widest participation, new EMV Specifications and major updates are released for public review to enable all parties to provide comments before final publication, which is approved by the EMVCo Board of Advisors.
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.
by Carey Ferro
by Bastien Latge
by Ryan Geidner