Will US EMV Migration Impact Acquiring Worldwide?
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1 4 th PSE Merchant Acquiring Conference Will US EMV Migration Impact Acquiring Worldwide? London, November 27 th, 2014 Gérard de Moura PSE Acquiring Conf-US EMV Migration-v1
2 About Galitt Key Figures More than 20 years of experience 2013 Sales: 29M 8% outside of France More than 150 active customers 240 staff, experts in Card Payment Systems (including 170 consultants) Privately owned 2 Business Units Consulting & Assistance: From strategic choices to system implementation via system design and support Engineering & Technology: From specific development to software products via system integration and processing Since 2006 HQ in San Francisco, CA Operations in Chicago, IL Turnover $800k French Member since 2007 Breakdown of 2013 Business Lines Target Markets Testing Software Training Business Analysis Banks & PSPs Payment Brands Solutions Card & Terminal Vendors Projects Professional Services Retail & Oil Companies Government & Transport Copyright Galitt 2
3 US EMV Migration Table of Contents 1. US EMV Migration in a nutshell 2. Chip & Choice 3. POS Certification Challenge 4. Debit Routing Rules Copyright Galitt 3
4 US Card Market Cards > 1B > 3 per inhabitant Banks = 14,000 (117,000 branches) Including more than 5,000 issuers Including 7,000 Credit Unions ATM # 430,000 Withdrawals = 12B (2008) Merchants 9M 1.9M POS sold in 2012 (9.3% of the worldwide market) Acquirers / Processors 100 Top 5: $2,693B 53B transactions Transactions = 73B (2011) Credit = 24B ( $90/transaction) Debit = 49B ( $25/transaction) Sources: Bank for International Settlements, Committee on Payment and Settlement Systems (figures 2012) Nilson Report Discover Galitt US (estimates) Copyright Galitt US 4
5 US Debit Networks Copyright Galitt US 5
6 Liability Shift Dates Acquirer Mandate POS Liability Shift AFD Liability Shift (April) (October) ATM Liability Shift (October) (October) ATM Liability Shift (October) Initial announcement by Visa (August 9, 2011) MasterCard (January 30, 2012) Discover (March 15, 2012) Amex (June 29, 2012) Ambiguity Contact / Contactless Regional Debit Networks Followers (with or without formal statements) Copyright Galitt US 6
7 EMV Migration Forum (EMF) Cross-industry body focused on supporting the EMV implementation steps required for global and regional payment networks, issuers, processors, merchants, and consumers to help ensure a successful introduction of more secure EMV chip technology in the United States. Copyright Galitt 7
8 US EMV Migration Table of Contents 1. US EMV Migration in a nutshell 2. Chip & Choice 3. POS Certification Challenge 4. Debit Routing Rules Copyright Galitt 8
9 PIN or Signature: Cardholder's Choice US Debit transaction PIN Single message US Credit transaction Signature Dual message Debit transaction processing PIN-preferred Merchant: PIN or cancel (the PIN entry!) PIN-neutral Merchant: Debit (=Pin) or Credit(=Signature) PIN or signature Supported by Visa, MasterCard, Discover PIN only Supported by most Regional Debit Networks Copyright Galitt 9
10 PIN or Signature: a US Dispute creditcards.chase.com Copyright Galitt 10
11 US EMV Migration Table of Contents 1. US EMV Migration in a nutshell 2. Chip & Choice 3. POS Certification Challenge 4. Debit Routing Rules Copyright Galitt 11
12 Lack of (common) Terminal Specifications Terminal requirements issued by every Payment Scheme Existing for credit Recently released for debit Still pending issues for some contactless debit Lack of governing body Antitrust law apparently preventing cooperation Fierce competition between Payment Brands Payment "Implementation Guides" to be provided by the Acquirers/Processors Varying according to verticals and retailers Varying depending of acquiring platforms Copyright Galitt US 12
13 Terminal End-to-End Certification (also known as "Terminal Integration") One procedure per Brand "EMV Testing and Certification White Paper: Current U.S. Payment Brand Requirements for the Acquiring Community" Regional Debit Networks coming soon Complexities and large numbers of merchants and systems to be certified Tons of targeted systems: from 3,000 to 1,000,000 (depending on estimates!) 1,000 s of VARs/ISVs without available resources and EMV chip experience Greatest short term challenge for the migration Simplification required by Acquirers/Processors (via the EMF) EMVCo Terminal Integration Task Force, addressing "Level 3" "Brand-aligned Terminal Integration Testing Framework" (November 1 st, 2014) US Payments Security Taskforce: VARs & ISVs pre-certification process Processors & Service Providers enablement being considered Copyright Galitt US 13
14 US EMV Migration Table of Contents 1. US EMV Migration in a nutshell 2. Chip & Choice 3. POS Certification Challenge 4. Debit Routing Rules Copyright Galitt 14
15 Dodd Frank Act & Durbin Amendment Dodd Frank Wall Street Reform and Consumer Protection Act Federal Law signed by Barack Obama 7/21/2010 Regulation addressing he financial sector (243 rules!) Senator Dick Durbin's Amendment Debit interchange fee "reasonable and proportional to the actual cost" FED empowered to rule the debit market Right of refusal for merchants (based on amount) No more Honor All Cards FED initial ruling Cap on per-transaction fee $ % + $0.01 for additional security measures (authorization) First target was $0.12 per transaction Only for Financial Institutions with total assets > $10B At least 2 Networks owned and processed by different company on every card Merchants to determine the transaction routing (to select the processing network) Copyright Galitt US 15
16 Debit Transaction Processing GATEWAYS or STORE BACK-OFFICE NETWORK 1 (ex. MasterCard) ISSUER PROCESSORS ROUTING RULES NETWORK 2 (ex. STAR) Copyright Galitt US 16
17 Durbin & EMV? EMV Specifications at stake? Cardholder choice (EMV) vs. merchant routing (Durbin) Disputed understanding of the specs Request for EMV specifications Change Rejected by Payment Brands (Schemes) 2 competing implementation options Multiple AIDs on card: US tag + POS routing Rejected by merchants associations Unique US debit AID on card: no change in the current routing Convergence on one unique Common US debit AID per card Visa US Common Debit AID (VIS VSDC ) MasterCard US Common Debit AID (M/Chip PayPass ) Discover US Common Debit AID (D-PAS ) Debit Network Common Debit AID (proprietary) to come Copyright Galitt US 17
18 Galitt Contact Thank you! Contact Gérard de Moura Managing Director Galitt President Galitt US / g.demoura@galitt.com & Copyright Galitt 18
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