EMV Merchant

EMV - Offering Your Customers A More Secure Shopping Experience


EMV, also know as “Chip Cards”, “Smart Cards”, or sometimes “Chip and PIN” is a series of specifications that define a more secure method of payment. EMV (Europay, Mastercard, and Visa) introduces a small computer or “chip” to every payments device. Chip cards provide an extra level of security and help and offer a more secure shopping experience for consumers and merchants.


Effective October 1, 2015, U.S. chargeback regulations require merchants to process using EMV or be liable for any face-to-face counterfeit transactions occurring in non-EMV terminals. EMV offers your consumers a more secure shopping experience.


Support for EMV in the United States has been steadily increasing. On the merchant side, the move to EMV will involve some investments – but it will open up new opportunities that merchants should factor into their implementation and growth plans.


There is no specific mandate from the card brands to be EMV compliant, but merchants should be processing with EMV capable equipment by October 1, 2015 in order to avoid any impact from the counterfeit fraud liability shift.


Contact Trinity Bank’s Merchant Services department by email or call 1-817-763-9966 to find out how you can get a chip-enabled terminal for your business.

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