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Important Payment Security 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 a credit or debit card to enhance security. The chip generates a unique one-time code for each new transaction—a feature that provides greater security and reduces fraud risk. This unique process 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.


Some businesses may need to upgrade their point-of-sale (POS) equipment to 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.

The new liability rules take effect in:

  • October 2015 for card-present POS transactions

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

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.




















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