EMV Contact Specifications

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    EMVCo
    
    
  

  
EMVCo specifications for chip-based contact payment card transactions, defining application selection, transaction flow, and risk management.

  
  
The EMV Contact Specifications, maintained by EMVCo, define how an inserted chip card and terminal conduct a payment — covering application selection, offline and online data authentication, cardholder verification, and issuer risk management. Their adoption produced the 'liability shift' that moved counterfeit-fraud responsibility to whichever party had not deployed chip technology, driving the global migration away from magnetic-stripe transactions. They form the base on which the contactless and mobile EMV kernels are built.

  
  

    
    EMV Contact
    
    
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    Published 1996
    
    
  






  
  

    
    




    
    

    
    

    
    

      
Standard Details

      

        

          
            
            
            
CategoryEMVCo

            
            
            
Year Published1996

            
            
            
            
StatusActive

          
        

      

    


    
    

    
    

    
    
    
    

      
Compliant Card Types

      

        
        
          

            
EMV Contact Payment Card

            Contact
          

          
Standard chip-and-PIN payment card using ISO 7816 contact interface for in-person transactions at point-of-sale terminals.

        
        
        
          

            
EMV Dual-Interface Payment Card

            Dual-Interface
          

          
Modern payment card supporting both contact and contactless on a single chip, the current standard for new EMV issuance.

        
        
        
          

            
EMV Biometric Payment Card

            Dual-Interface
          

          
Next-generation payment card with embedded fingerprint sensor for on-card biometric cardholder verification.