EMV at the ATM
A Success Story
Success
In a recent press release, Vantiv announced that it was the first U.S. processor to certify with MasterCard® for
ATM and POS transactions. In live production, we were successful in completing our first EMV transactions on
several ATMs in the New York City area, with People’s United Bank running NCR APTRA™ Edge ATM software.
Several weeks into production, results show that we are already seeing EMV transactions from a variety of
countries, including Italy, France, United Kingdom, Netherlands, Qatar and Canada.
Vantiv is proud to tell you our story of success, but more importantly, we want to share with you why this early
success is important. We want to use the experiences of this early learning to help you understand what to
expect as part of your migration, and to share some things you want to begin thinking about.
Lessons Learned
As you have read about EMV, you may have learned that during a chip transaction the card must remain in the
card reader for the duration of the transaction. For a motorized reader, this doesn’t change the user experience,
but if your terminals have a “dip reader”, you can expect some minor changes for someone presenting a
mag-stripe card at your ATM. People’s United Bank has shared the following customer experience when EMV
was turned on at their NCR machines with a dip reader. As you will see, it affects both chip-cards as well as
standard mag-stripe cards.
Cardholder Experience with a Dip Card Reader:
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Card is ‘dipped’ in the reader
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When card is inserted, the user will hear a ‘click’ sound – which means the ATM is ‘looking’ for the chip
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Within 2 seconds of inserting the card, if the card is a standard mag-stripe, an ATM screen will tell the
cardholder to remove their card from the dip reader – since there is no chip to be found.
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If the card has a chip on it, the dip reader will clamp onto the card to insure it stays in place until the
transaction is complete.
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Cardholder then continues with the transaction
Things to Begin Thinking About
As the US adopts EMV technology, cardholders will become more comfortable with the chip card processing at
ATMs. The customer experience will become a habit, rather than a new or unfamiliar experience. While migrating
your ATMs to EMV capable machines could be a large undertaking, here are some tips to help you get started.
Do a thorough assessment of your ATMs to identify the cost, time, material, and resources needed
to convert. Your hardware or service provider should be able to help you with this process. Keep in
mind that due to some requirements, your ATM may not be upgradable and you may need to
consider a replacement.
Create your roadmap for your ATM upgrades/replacements. While we would encourage you to move
forward as quickly as possible, there is no requirement to have all of your machines ready at the
same time. If you need to look at a multi-year rollout, consider starting with any terminals that have
greater potential for international traffic. Since most other major countries have already moved to
EMV, you are bound to see EMV traffic on these terminals almost immediately.
Understand the terminology.
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EMV - EMV stands for Europay, MasterCard® and Visa®, a global standard for
interoperability between payment chip cards and terminals/ATMs. In the mid-90s it was
these three organizations that originally developed this new series of specifications.
Payment chip cards are embedded with a secure integrated circuit, known as a chip.
These cards have the unique ability to securely store large amounts of data, carry out
their own on-card functions, and offer increased security.
•
Kernel - the kernel provides all necessary functions for a chip transaction. The
commands to the chip will be built by the kernel and passed to the application which
passes the commands to the card reader to process the transaction. Your software
provider will help you understand which is the most up-to-date kernel.
•
Chip card - a chip card is a debit or credit card with an embedded secure integrated
circuit. Chip cards have the unique ability to securely store large amounts of data, carry
out their own on-card functions, and offer increased security.
Vantiv continues to work closely with our valued ATM partners.
We are in our final certification stages of NCR APTRA™ Advance
NDC software and working through Diebold Agilis® software.
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