page_title: EMV
section_title: Control of the EMV standard
hierarchical_section_title: EMV / Control of the EMV standard
caption_attribution_description: Deutsch: Kontaktfeld auf der Vorderseite einer Kreditkarte von Mastercard mit elektrischen Kontakten
context_page_description: EMV is a payment method based upon a technical standard for smart payment cards and for payment terminals and automated teller machines which can accept them. EMV originally stood for "Europay, Mastercard, and Visa", the three companies which created the standard.
  EMV cards are smart cards, also called chip cards, integrated circuit cards, or IC cards which store their data on integrated circuit chips, in addition to magnetic stripes for backward compatibility. These include cards that must be physically inserted or "dipped" into a reader, as well as contactless cards that can be read over a short distance using near-field communication technology. Payment cards which comply with the EMV standard are often called Chip and PIN or Chip and Signature cards, depending on the authentication methods employed by the card issuer, such as a personal identification number or digital signature.
  There are standards based on ISO/IEC 7816 for contact cards, and standards based on ISO/IEC 14443 for contactless cards.
context_section_description: The first version of EMV standard was published in 1995. Now the standard is defined and managed by the privately owned corporation EMVCo LLC. The current members of EMVCo are American Express, Discover Financial, JCB International, Mastercard, China UnionPay, and Visa Inc.  Each of these organizations owns an equal share of EMVCo and has representatives in the EMVCo organization and EMVCo working groups.
  Recognition of compliance with the EMV standard (i.e., device certification) is issued by EMVCo following submission of results of testing performed by an accredited testing house.
  EMV Compliance testing has two levels: EMV Level 1, which covers physical, electrical and transport level interfaces, and EMV Level 2, which covers payment application selection and credit financial transaction processing.
  After passing common EMVCo tests, the software must be certified by payment brands to comply with proprietary EMV implementations such as Visa VSDC, American Express AEIPS, Mastercard MChip, JCB JSmart, or EMV-compliant implementations of non-EMVCo members such as LINK in the UK, or Interac in Canada.
caption: Contact pad for the electrical interface on the front side of a credit card
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