EMV

Also known as Contact EMV, Contactless EMV

thumb|alt=An EMV credit card|right|220x220px|An EMV credit card

Wikidata facts

Image: Castles Technology payment terminal with BCA Debit Mastercard (2026-04-19).jpg

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Commons category: EMVCo

Sources (1)

wikidata.org

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~52 min read

Article

49 sections

Contents

History
Differences and benefits
Chip and PIN versus chip and signature
Online, phone, and mail order transactions
Commands
Transaction flow
Application selection
Initiate application processing
Read application data
Processing restrictions
Offline data authentication (ODA)
EMV certificates
Cardholder verification
Terminal risk management
Terminal action analysis
First card action analysis
Online transaction authorization
Second card action analysis
Issuer script processing
EMV chip specification standards
Vulnerabilities
Opportunities to harvest PINs and clone magnetic stripes
Successful attacks
PIN harvesting and stripe cloning
2010: Hidden hardware disables PIN checking on stolen card
2011: CVM downgrade allows arbitrary PIN harvest
PIN bypass
Implementation
Africa
South Africa
Asian and Pacific countries
Australia
Malaysia
New Zealand
Europe
United Kingdom
Latin America and the Caribbean
Brazil
Colombia
Mexico
Venezuela
Middle East
North America
Canada
United States
Notes
See also
References
External links

thumb|alt=An EMV credit card|right|220x220px|An EMV credit card

EMV is a payment method based on a technical standard for smart payment cards and for payment terminals and automated teller machines which can accept them. EMV stands for "Europay, Mastercard, and Visa", the three companies that created the standard.