Joanne Grantz
October 6, 2015 | Tasting Room | Joanne Grantz

EMV in a nutshell

Widely used in Europe for some time, banks are slowly rolling out the EMV (Euromoney, MasterCard, and Visa) -compliant cards or Chip Cards across the United States.  80% of Americans still do not have Chip Cards, and many retailers have not converted to EMV- compliant card readers.  What does this mean for a winery?   

Effective October 1, 2015, the liability for fraudulent credit card transactions shifted from banks to retailers.  Retailers that use non-EMV compliant card readers for transactions are now on the hook for fraudulent chip card charges. Wineries should be converting their readers to the new format. 

How do they work?

This new payment process is known by a few different names – Chip Card, Chip & Pin, Dip & Pin or Dip & Sign.  Rather than swiping the card as we do now, the card is inserted into the reader.  The user is then required to sign or enter a pin number.

Every time a Chip Card is used, it creates a unique transaction code to that purchase.  If a hacker steals the chip information from one point of sale, the card duplication wouldn’t work because the unique transaction code can never be used again.  This change doesn’t mean the data breaches will never occur in the future, but it does make it harder for someone to profit from what was stolen.

Vin65 created an EMV Free Training Friday video that can be viewed here.  Brent Johnson reviews in detail all aspects of EMV, from the cards to the card readers and everything in between. 


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