On October 1st you will become liable for the value of the transaction if you do not have EMV in place.

What is EMV?

EMV is a technical standard for smart payment cards and for payment terminals and automated teller machines which can accept them. EMV cards are smart cards (also called chip cards or IC cards) which store their data on integrated circuits rather than magnetic stripes, although many EMV cards also have stripes for backward compatibility. They can be contact cards which must be physically inserted (or “dipped”) into a reader, or contactless cards which can be read over a short distance using radio-frequency identification (RFID) technology. Payment cards which comply with the EMV standard are often called chip-and-PIN or chip-and-signature cards, depending on the exact authentication methods required to use them.

EMV stands for Europay, MasterCard, and Visa, the three companies which originally created the standard. The standard is now managed by EMVCo, a consortium with control split equally among Visa, Mastercard, JCB, American Express, China UnionPay, and Discover.

EMV will inevitably bring operational changes to all types of businesses. A notable change in Maitre’D is that employees now have access to only TWO media types in order to process all credit card brands. Other media types may be created for each card brand, but those will be used only for reporting and statistical purposes. The two media types that employees can use are EMV CREDIT and EMV MANUAL.EMV CREDIT

This media type is used to process all brands of credit cards. During the authorization process, Maitre’D will automatically figure out the credit card brand and register the payment amount under the correct brand without any further input by the employee or customer.


This media type is used to process Card Not Present transactions, such as phone orders for deliveries or in-store pickups. It allows the employee to key-in the credit card number and CVV value given by the customer over the phone. For this media type, Maitre’D will also automatically figure out the card’s brand and correctly register the payment for statistical and reporting purposes.


Of course, the most notable change brought by EMV is the use of the EMV PIN Pad device which is used to read the information stored on the card’s chip and capture the customer’s Personal Identification Number (PIN). However, the implications are more than just visual.

One of the biggest changes is that the card can not leave the customer….. The EMV protocol guidelines state that the payment card should never leave the
cardholder’s line of sight. Where possible, the card should never even leave the cardholder’s hands. This is meant to prevent “skimming” fraud, where a dishonest employee quickly swipes the victim’s card in a reader designed to capture full magnetic track data before inserting it into the legitimate card reader.
Call me to discuss further….. The changes keep on commin…

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