U.S. EMV Migration: What You Need to Know

Transcription

1 U.S. EMV Migration: What You Need to Know v.2 September 2013 ONE SOURCE SOLUTION

2 Table of Contents What is EMV?...3 EMV: A Global Standard...4 Fraud Prevention...5 Mobile & Contactless...6 U.S. EMV Deadlines...7 Maestro Liability Shift...8 U.S. EMV Migration...9 Preparing for EMV...10 Upgrading ATMs...11 EMV Upgrade Paths Diebold ATMs...12 Genmega ATMs...13 Greenlink ATMs...15 GRG ATMs...16 Hantle ATMs...19 Nautilus Hyosung ATMs...21 NCR ATMs...26 Nextran ATMs...27 Tranax ATMs...28 Tidel ATMs...30 Triton ATMs...32 Weathermaster ATMs...37 Wincor Nixdorf ATMs...38 Consumer Education...39 Contact Information...40 Confidential & Proprietary 2013 All Rights Reserved For a customized version of the EMV Guide, contact Alicia Blanda at (228) O or M 2 U.S. EMV Migration

3 What is EMV? Developed jointly by Europay, MasterCard and Visa (EMVCo) in the mid-1990s, EMV is a global standard for credit and debit payment cards based on chip card technology. EMV chip-based payment cards also known as smart cards, contain an embedded microprocessor a type of small computer that provides strong security features and other capabilities such as contactless payments not possible with traditional magnetic stripe cards. An EMV card is the same size and thickness as a standard magnetic-stripe card, however it includes a metalic square or contact on the front of the card. The microprocessor is embedded in a small cavity directly behind the contact plate. When inserted into a card acceptance device, the contact allows the chip to connect to a reader. This connection enables the chip to get power from and exchange data with the terminal, according to EMVco. Because EMV transactions require chip contact throughout the process, consumers will no longer swipe their cards at ATMs and POS terminals. Consumers will need to be taught to insert their card and leave it in until the transaction is completed. U.S. EMV Migration 3

4 EMV: A Global Standard Most of the world Europe, Canada, Africa, Mexico, Latin America, the Caribbean, the Middle East and Asia-Pacific countries has fully migrated or is in the process of migrating to EMV technology. According to EMVCo, approximately 1.5 billion EMV cards have been issued globally and 21.9 million POS terminals accept EMV cards as of the end of This represents 44.7 percent of the total payment cards in circulation and 76.4 percent of the POS terminals installed globally, excluding the United States. +EMV Adoption in the United States U.S. card issuers and merchants have been reluctant to spend the money to adopt EMV due to the cost of upgrading payment terminals and because fraud losses while increasing are still a small percentage of overall revenue. However, in August 2011 that changed with Visa s announcement to accelerate chip migration and adoption of mobile payments in the U.S., through retailer incentives, processing infrastructure acceptance requirements and counterfeit card liability shifts. Industry experts estimate that replacing 600 million debit/credit cards will cost $3 billion and replacing POS terminals will cost merchants more than $6 billion. ATM Indusry Association (ATMIA) research estimates the cost of upgrading the U.S. ATM fleet at about $800 million. 3 U.S. EMV Migration

5 Fraud Prevention EMV migration is expected to improve the security of the payments infrastructure and reduce debit card fraud in the U.S. The cost of a skimming incident in the U.S. has risen to $50,000 on average, up from $30,000 a few years ago, according to a report from the U.S. Secret Service. Fraud costs for the U.S. payments industry are an estimated $8.6 billion yearly, according to a 2011 report from the Aite Group. EMV technology has already impacted the rate of fraud in regions that have adopted it. The UK Cards Association reports fraud on lost or stolen cards is at its lowest level in two decades and counterfeit card fraud losses are at their lowest point since Interac, the Canadian debit card service, reported in March 2013 that its fraud losses attributable to ATM skimming are at their lowest level since According to the Smart Card Alliance, EMV chip cards are more difficult to copy because the card includes a microprocessor chip that can store information securely and perform cryptographic processing during a transaction. The credentials prevent card skimming and cloning. However, EMV does not address the entire fraud problem. EMV reduces face-to-face fraud but it does not effectively prevent cardnot-present (CNP) fraud. For example, since the rollout of EMV in Canada, CNP fraud increased from C$128 million to C$259.5 million in 2011, according to The Federal Reserve Bank of Atlanta. U.S. EMV Migration 5

6 Mobile & Contactless Many of the devices that accept EMV chip cards are dual contact / contactless devices and capable of performing mobile or contactless payments as well. Merchants and ATM deployers interested in offering mobile payments will need to decide if they want to install dual-devices when upgrading to EMV or choose to go with NFC (Near Field Communication) another form of contactless communication technology in order to offer these types of transactions. +Mobile Payments Mobile payments, also referred to as mobile money, mobile money transfer and mobile wallet, are generally payment services performed via a mobile device. Instead of paying with cash, check or credit card a consumer can use a mobile phone to pay for a wide range of services or goods. Being adopted all over the world via EMV or NFC, mobile payments are expected to reach more than $600 billion globally by the end of Contactless Payments Contactless payment systems are credit and debit cards, key fobs, smartcards or other devices that use radio-frequency identification for making secure payments. The embedded chip and antenna enable consumers to wave their card over a reader at the point of sale. Some suppliers claim that contactless transactions can be almost twice as fast as a conventional purchase. Because no signature or PIN entry is typically required for purchases under $25 in the U.S. and under 20 in the UK, research indicates that consumers are likely to spend more money due to the ease of transactions. 6 U.S. EMV Migration

7 U.S. EMV Deadlines Although the card brands have announced deadlines for the liability shift, there is, technically, no mandate compelling ATM owners and operators to upgrade their terminals to EMV. The deadlines are for the liability shift; which means that any party in the chain that is not EMV compliant could be held liable for fraud losses that occur after the deadlines. To date, there are no universal deadlines for EMV migration in the U.S. Visa and MasterCard have issued their own individual liability shift deadlines for ATM owners with MasterCard s dates being much more aggressive coming a full year prior to Visa's deadline. Discover continues to consider their strategy for ATMs and has yet to make an announcement. The ATM Industry Association (ATMIA), the National ATM Council (NAC) and other associations are working with the networks; requesting a realistic, consistent approach to chip card migration. +October 1, 2015 Liability shifts to merchants for POS card fraud (excluding fuel selling automated terminals). +October 1, 2016 Liability shifts to ATM owners for fraud committed through any MasterCard debit card. +October 1, 2017 Liability shifts to ATM owners for fraudulent transactions completed on any Visa debit card. +October 1, 2017 Liability shifts to merchants for fraud committed through automated fuel-selling terminals. Source: Smart Card Alliance Payments Council 7 U.S. EMV Migration

8 Maestro Liability Shift One EMV milestone has already passed. MasterCard implemented a liability shift for all counterfeit ATM transactions performed on the Maestro debit network on April 19, The Maestro liability shift caused quite an uproar in the industry. According to a survey of ATM owners and operators conducted by ATMIA, an overwhelming majority (88 percent) of respondents said they would not be able to deploy a single EMV-capable ATM by the liability shift date. Only nine percent said they had access to solutions that would be required for the processing of EMV transactions. Just days prior to the liability shift, MasterCard announced a new set of acquirer-based fraud detection tools. According to a press release, Fraud Rule Manager will help protect the industry from fraud by blocking Maestro transactions at U.S. ATMs that averaged no more than one Maestro transaction per month in According to MasterCard, this action covers 80 percent or more of the nation's ATMs, removing for the time being, the risk of fraudulent transactions to ATM deployers. In addition, the company said they would monitor the remaining 20 percent of ATMs not upgraded to EMV and will block individual terminals that may experience fraud. Source: MasterCard press release & ATMIA Readiness Survey. 8 U.S. EMV Migration

9 U.S. EMV Migration Many steps in the EMV migration process must be completed before EMV transactions can be accepted and processed in the U.S. +Common EMV Debit Standard First, a common EMV debit standard or Application Identifier (AID) consistent with network routing requirements established under the Durbin Amendment to the Dodd-Frank Wall Street Reform and Consumer Protection Act that can still allow routing choice, must be agreed upon for the United States. Determination of a debit solution is essential for the EMV adoption process to move forward. In March 2013, The Secure Remote Payments Council, a group of non-card brand regional debit networks, adopted a common debit AID application based on a solution from Discover. However, other networks have not yet adopted it. Without an agreement on a common AID, there could be at least three in the U.S. one for MasterCard, Visa and Discover. +Software Testing & Certification Once an debit solution is agreed upon, software must be developed, tested and certified by the networks. Next, each processor will need to test and certify the software. At that point, each ATM manufacturer will need to have their terminals certified for the U.S. market. +Software Installation & Card Readers Finally, the software must be installed on ATMs along with an EMV-capable card reader. 9 U.S. EMV Migration Source: The Long Road to EMV: An In-Depth Look at EMV

10 Preparing for EMV With deadlines looming, what should you be doing to prepare for EMV migration in the United States? +Financial Institutions The migration to EMV for banks and credit unions means issuing new chip and pin technology capable credit and debit cards. Financial institutions also need to make sure their processors are ready to accept EMV transactions and begin upgrading their ATMs. +Merchants For merchants, the migration to EMV means investing in new POS and automated fuel-selling terminals that are capable of accepting EMV transactions, and working with processors to ensure they are following the network mandates. If the merchant owns an ATM, it also means upgrading machines that are not EMV capable. +ATM Deployers For owners of ATMs, the migration to EMV means working with ATM suppliers to upgrade ATM card readers and load new software, as well as working with processors to ensure they are following the network mandates and becoming certified. 10 U.S. EMV Migration

11 Upgrading ATMs Since EMV has been implemented in Europe, Canada and is in the process of being adopted in other parts of the world, most ATM manufacturers have an upgrade path in place for older machines. +EMV-Ready New ATMs Many hardware manufacturers are already shipping ATMs with EMV-capable card readers and pre-loaded with software. However, because a common EMV debit standard has not been agreed upon yet and software has not been tested and certified, EMV-ready ATMs may still need to have new software loaded in the field. +Upgrading Existing ATMs To upgrade terminals already in the field, ATMs will need to be out fitted with a level 1 EMV-certified card reader as well as new software once it has been tested and certified. In some cases, implementation of EMV may require modifications to other parts of the ATM or replacement of terminals that cannot be upgraded. As with the ADA implementation, ATM deployers will have to weigh the costs and revenues associated with upgrading. Decisions also need to be made in a way that minimizes the number of site visits. A list of upgradable ATMs is provided on the following pages. Please Note: this information is being provided as a guide only. Each ATM should be researched to find the best possible EMV upgrade path. U.S. EMV Migration 11

12 Diebold ATMs ATM Model Hardware Software Notes Option Upgrade Option with New ATMs Upgrade EMV Level 1 Option since 2003 Opteva Series No Hardware Upgrade ix Series Source: Diebold For more information, visit the Diebold Operation 411 Resource Center PLEASE NOTE: EMV software installed prior to certification may require a mandatory upgrade before it is capable of performing EMV transactions. Diebold recommends, but does not require, terminals running Windows XP be upgraded to Windows 7 prior to installing EMV software. Please check with your processor(s) regarding Windows 7 upgrade requirements. THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 12

13 Genmega ATMs ATM Model Hardware Software Notes July 2013 Release of EMV Level 2 Software TBD Upgrade Kits G1900 July 2013 Release of EMV Level 2 Software TBD G2500 Upgrade Kits July 2013 Release of EMV Level 2 Software TBD Upgrade Kits GT3000 U.S. EMV Migration 13

14 ATM Model Hardware Software Notes July 2013 Release of EMV Level 2 Software TBD G6000 ATM / Kiosk Upgrade Kits Source: Genmega PLEASE NOTE: EMV software installed prior to certification may require a mandatory upgrade before it is capable of performing EMV transactions. Genmega ATMs run Windows CE software, no operating system upgrade necessary. THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 14

15 Greenlink ATMs ATM Model Hardware Software Notes Merlin & Wizard Series Not EMV Capable Upgrade Kits TBD Merlin & Wizard Series Software TBD Call or visit Greenlink C1000, T1000 & U1000 Models are Not ADA Compliant Source: Wellington Technologies Greenlink no longer manufactures ATMs. Wellington Technologies has purchased the manufacturing rights.. THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 15

16 GRG ATMs ATM Model Hardware Software Notes All Units Ship with Factory Installed EMV Card Readers Release of EMV Level 2 Software TBD E300L All Units Ship with Factory Installed EMV Card Readers Release of EMV Level 2 Software TBD H22N All Units Ship with Factory Installed EMV Card Readers Release of EMV Level 2 Software TBD H22ND U.S. EMV Migration 16

17 ATM Model Hardware Software Notes All Units Ship with Factory Installed EMV Card Readers Release of EMV Level 2 Software TBD H22NL All Units Ship with Factory Installed EMV Card Readers Release of EMV Level 2 Software TBD H38N All Units Ship with Factory Installed EMV Card Readers Release of EMV Level 2 Software TBD H38ND All Units Ship with Factory Installed EMV Card Readers Release of EMV Level 2 Software TBD H38NL U.S. EMV Migration 17

18 ATM Model Hardware Software Notes All Units Ship with Factory Installed EMV Card Readers Release of EMV Level 2 Software TBD H46N Source: GRG International PLEASE NOTE: EMV software installed prior to certification may require a mandatory upgrade before it is capable of performing EMV transactions. Terminals running Windows XP may need to be upgraded to Windows 7 prior to installing EMV software. Please check with your processor(s) regarding Windows 7 upgrade requirements. THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 18

19 Hantle ATMs ATM Model Hardware Software Notes Upgrade Release of EMV Level 2 Software TBD 1700 July 2013 Release of EMV Level 2 Software TBD 1700W Upgrade Kit July 2013 Release of EMV Level 2 Software TBD Upgrade Kit C4000 U.S. EMV Migration 19

20 ATM Model Hardware Software Notes July 2013 Release of EMV Level 2 Software TBD C4000P Upgrade Kit July 2013 Release of EMV Level 2 Software TBD T4000 Upgrade Kit Source: Hantle PLEASE NOTE: EMV software installed prior to certification may require a mandatory upgrade before it is capable of performing EMV transactions. Hantle ATMs run Windows CE software, no operating system upgrade necessary. THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 20

21 Nautilus Hyosung ATMs ATM Model Hardware Software Notes No Hardware Upgrade Sold by Tranax in the U.S. Mini-Bank 1000 Upgrade Kit Upgrade Also sold by Tranax in the U.S. Mini-Bank 1500 No Hardware Upgrade Also sold by Tranax in the U.S. Mini-Bank 2100 U.S. EMV Migration 21

22 ATM Model Hardware Software Notes No Hardware Upgrade Mini-Bank 2100T No Hardware Upgrade Mini-Bank Series 2700 Series Option Upgrade Kit Option Upgrade Kit New ATMs Ship with * Upgrade New ATMs Ship with * Upgrade End of Life Scheduled for October 2013 U.S. EMV Migration 22

23 ATM Model Hardware Software Notes 2900 (Halo) Series MX 4000 Series MX 5000 Series MX 5100T Option Upgrade Kit Option Upgrade Kit Option Upgrade Kit Option Upgrade Kit for Newer Terminals New ATMs Ship with * Upgrade New ATMs Ship with * Upgrade New ATMs Ship with * Upgrade New ATMs Ship with * Upgrade Scheduled to be Released October 2013 U.S. EMV Migration 23

24 ATM Model Hardware Software Notes Option Upgrade Kit New ATMs Ship with * Upgrade MX 5300CE Option Upgrade Kit New ATMs Ship with * Upgrade MX 5300XP Option Upgrade Kit New ATMs Ship with * Upgrade MX 5600 Series MX 7000 Series Option Upgrade Kit for Newer Terminals New ATMs Ship with * Upgrade Some Older 7000 Models, including 7040 and 7070 Configurations will Need to be Replaced U.S. EMV Migration 24

25 ATM Model Hardware Software Notes Option Upgrade Kit New ATMs Ship with * Upgrade MX 7600 Series Source: Nautilus Hyosung America *PLEASE NOTE: EMV software installed prior to certification may require a mandatory upgrade before it is capable of performing EMV transactions. **Nautilus Hyosung customers running Remote Auto AP, new update expected Q4 2013, as part of the MoniView application will be able to remotely upload any software changes and turn on EMV without having to visit the site. Terminals running Windows XP may need to be upgraded to Windows 7 prior to installing EMV software. Please check with your processor(s) regarding Windows 7 upgrade requirements. No operating system upgrade necessary for terminals running Windows CE. THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 25

26 NCR ATMs ATM Model Hardware Software Notes Personas Series Upgrade May Be Required Dip and Motorized Upgrade Kits for Select Models Upgrade Required NCR has the Latest version of EMV kernal certified by EMVco that runs on both Windows XP and Windows 7 Since 2007, all Dip Card Readers were Delivered as EMV Level 1 Compliant as Standard Feature EMV Motorized Card Readers Included as an Option Dip Card Readers EMV Level 1 Compliant Upgrade Required ATMs Shipped After Jan include EMV Card Readers SelfServ Series Motorized Card Readers ATMs Shipped After Q EMV Level 1 Compliant ATMs Shipped Before Q May Require EMV Card Reader and/or Processing Core Upgrade NCR has the Latest version of EMV kernal certified by EMVco that runs on both Windows XP and Windows 7 NCR has Certified their Contactless Reader with EMVco as SelfServ ATM Option Source: NCR For more information, download NCR s White Paper: Protecting Your Future with NCR Secure - How to Prepare for the EMV & Windows 7 Migration PLEASE NOTE: EMV software installed prior to certification may require a mandatory upgrade before it is capable of performing EMV transactions. Terminals running Windows XP may need to be upgraded to Windows 7 prior to installing EMV software. Please check with your processor(s) regarding Windows 7 upgrade requirements. THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 26

27 Nextran ATMs ATM Model Hardware Software Notes No Info No Info For info on upgrade hardware kits and software, visit ComNet Series No Info No Info For info on upgrade hardware kits and software, visit Xtremo Series Source: Chungho ComNet Co. NexTran, owned by South Korea's Chungho ComNet Co., no longer sells ATMs in the United States THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 27

28 Tranax ATMs ATM Model Hardware Software Notes No Hardware Upgrade Kit Manufacturered by Hyosung Mini-Bank 1000 No Hardware Upgrade Kit Manufacturered by Hyosung Sold in the U.S. by both Tranax and Nautilus Hyosung Mini-Bank 1500 Upgrade Kit Release of EMV Level 2 Software TBD Manufacturered by Hantle Mini-Bank 1700 U.S. EMV Migration 28

29 ATM Model Hardware Software Notes No Hardware Upgrade Kit Manufacturered by Hyosung Sold in the U.S. by both Tranax and Nautilus Hyosung Mini-Bank 2100 No Hardware Upgrade Kit Manufacturered by Hyosung Sold in the U.S. by both Tranax and Nautilus Hyosung Mini-Bank 2100T No Hardware Upgrade Kit Manufacturered by Hyosung Sold in the U.S. by both Tranax and Nautilus Hyosung Mini-Bank 2200 Sources: Hanlte & Nautlus Hyosung America PLEASE NOTE: EMV software installed prior to certification may require a mandatory upgrade before it is capable of performing EMV transactions Tranax ATMs run Windows CE software, no operating system upgrade necessary THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 29

30 Tidel ATMs ATM Model Hardware Software Notes No Hardware Upgrade 3100 No Hardware Upgrade 3300 No Hardware Upgrade 3400 U.S. EMV Migration 30

31 ATM Model Hardware Software Notes No Hardware Upgrade 3700 No Hardware Upgrade 3800 Source: NCR Tidel, now owned by NCR EasyPoint, no longer manufacturers ATMs THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 31

32 Triton ATMs ATM Model Hardware Software Notes ARGO Upgrade Kit New ATMs Ship with * Upgrade * Traverse Upgrade Kit New ATMs Ship with * Upgrade * RL1600 Upgrade Kit New ATMs Ship with * Upgrade * U.S. EMV Migration 32

33 ATM Model Hardware Software Notes Upgrade Kit New ATMs Ship with * Upgrade * RL2000 RL5000 FT5000 Upgrade Kit Upgrade Kit New ATMs Ship with * Upgrade * New ATMs Ship with * Upgrade * Upgrade Kit Upgrade * RT2000 U.S. EMV Migration 33

34 ATM Model Hardware Software Notes Upgrade Kit Q Upgrade * 8100 Upgrade Kit Q Upgrade * 9100 Upgrade Kit Q Upgrade * 9600 Upgrade Kit Q Upgrade * 9700 U.S. EMV Migration 34

35 ATM Model Hardware Software Notes No Hardware Upgrade Kit Mako No Hardware Upgrade Kit 9500 No Hardware Upgrade Kit 9800 No Hardware Upgrade Kit RL5000xp U.S. EMV Migration 35

36 ATM Model Hardware Software Notes No Hardware Upgrade Kit FT5000xp No Hardware Upgrade Kit FT7000 Source: Triton PLEASE NOTE: EMV software installed prior to certification may require a mandatory upgrade before it is capable of performing EMV transactions. **ATM deployers running Triton Connect will be able to remotely upload any software changes and turn on EMV without having to visit the site. Triton ATMs run Windows CE software, no operating system upgrade necessary. THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 36

37 Weathermaster ATMs ATM Model Hardware Software Notes No Hardware Upgrade Kit No Software Upgrade Weathermaster Source: Sky Processing Weathermaster ATMs are no longer in production. THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 37

38 Wincor Nixdorf ATMs ATM Model Hardware Software Notes CINEO Series Standard Equipment Upgrade New ATMs Ship with Upgrade ProCash Series Standard Equipment Upgrade New ATMs Ship with Upgrade ATMs Shipped Prior to 2006 will Need to be Evaluated for Upgradability Source: Wincor Nixdorf USA PLEASE NOTE: EMV software installed prior to certification may require a mandatory upgrade before it is capable of performing EMV transactions Terminals running Windows XP may need to be upgraded to Windows 7 prior to running EMV software Please check with your processor(s) regarding Windows 7 upgrade requirements THIS INFORMATION IS BEING PROVIDED AS A GUIDE ONLY Each ATM should be researched to find the best possible EMV upgrade path Information subject to change without notice U.S. EMV Migration 38

39 Consumer Education While IADs, financial institutions and others in the payment industry have been reading about and discussing EMV for some time, it is new to most Americans. Consumers will need some education on why their credit and debit cards are changing, and how to use them. When Canada migrated to EMV, Interac conducted a nationwide media campaign to help consumers understand the changes. Lessons Learned in Canada +PIN Numbers for Credit Cards In Canada, cardholders who were accustomed to signing credit card receipts simply forgot to commit their PINs to memory. Financial institutions quickly learned that one remedy to avoid the issue of forgotten PINs was to allow customers to set their own PINs. +Inserting Cards, Not Swiping Rather than swiping cards at the POS or ATM as they were accustomed to doing, Canadians had to develop new habits; to insert the card into the terminal and remove it only when the transaction was completed. Canadian merchants trained their staff to remind customers to leave their cards in the terminal during the entire transaction and machine prompts were changed to remind cardholders to remove their cards. U.S. EMV Migration 39

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