EMV Contactless Specifications

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    EMVCo
    
    
  

  
EMVCo specifications for contactless payment transactions, including kernel definitions for Visa payWave, Mastercard PayPass, and others.

  
  
EMV's contactless specifications govern the tap-to-pay transaction over ISO/IEC 14443, with a distinct processing kernel for each network — Visa, Mastercard, American Express, Discover, JCB, and UnionPay. They define how the terminal selects the kernel, exchanges cryptograms, and enforces no-PIN tap limits. The same kernels underpin mobile wallets such as Apple Pay and Google Pay, which present tokenised card credentials rather than the real card number.

  
  

    
    EMV Contactless
    
    
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    발행 2005
    
    
  






  
  

    
    




    
    

    
    

    
    

      
Standard Details

      

        

          
            
            
            
CategoryEMVCo

            
            
            
Year Published2005

            
            
            
            
StatusActive

          
        

      

    


    
    

    
    

    
    
    
    

      
Compliant Card Types

      

        
        
          

            
EMV Contactless Payment Card

            Contactless
          

          
Tap-to-pay card using ISO 14443 radio for fast contactless payment transactions under floor limits.