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Important Information That May Affect 
Your Business...

What is EMV?

EMV (short for ”EuroPay, MasterCard®, and Visa®), is a credit and debit card security system. 

EMV utilizes a microchip embedded in the credit or debit card to enhance security. The chip generates unique data for each new transaction, allowing the ability to verify card authenticity. This combined with a PIN or signature, provides greater security and reduces fraud risk.

EMV has been widely used in Europe for several years, and the U.S. Card Associations are now taking steps toward making EMV the standard card payment type. This switch to EMV will require financial institutions, payment networks, card issuers, payment processors, and businesses to make substantial changes.

How does this affect my business?

Some businesses may need to upgrade their point-of-sale equipment to newer equipment that supports EMV technology. Merchants who do not support EMV acceptance by specific deadlines will start bearing financial liability for certain kinds of counterfeit card transactions that are presently borne by card issuers.

Please note, you will be notified of any actions needed for the EMV transition. The new liability rules take effect on:

  • October 2015 for card-present point-of-sale (POS) transactions.

  • October 2017 for automated fuel dispenser merchants or pay-at-the pump card readers.

Amegy Bank wants to help prepare your business for this transition, and we will provide more information on the EMV transition in the coming months. As always, if you have any questions, please contact your Banker, Treasury Management Officer, or Merchant Services Operations at 713-235-8805, Monday through Friday, 8:00 am. to 5:00 p.m. CT. 


Merchant Services products and services are provided directly by First Data Merchant Services Corporation, subject to its approval, and not by Amegy Bank, a division of ZB, N.A. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.