What is EMV Chip?
EMV (Europay, Mastercard, and Visa) chip technology uses a microprocessor embedded in a payment card to create unique transaction data for each purchase. This makes chip cards significantly more secure than magnetic stripe cards for in-person transactions.
Overview
EMV (Europay, Mastercard, and Visa) chip technology uses a microprocessor embedded in a payment card to create unique transaction data for each purchase. This makes chip cards significantly more secure than magnetic stripe cards for in-person transactions.
How It Works
This technology plays an important role in the payment card ecosystem, enabling secure transactions across multiple channels.
Security Considerations
Under PCI DSS, all cardholder data — whether from chip cards, magnetic stripes, or card-not-present transactions — must be protected. The method of data capture determines which PCI DSS requirements apply.
Paytia handles card-not-present payments where emv chips are used over the phone. DTMF suppression ensures card details are captured securely without agents hearing them, regardless of the card type.
Frequently Asked Questions
What is a emv chip?
EMV (Europay, Mastercard, and Visa) chip technology uses a microprocessor embedded in a payment card to create unique transaction data for each purchase. This makes chip cards significantly more secure than magnetic stripe cards for in-person transactions.
Can I use a emv chip for phone payments?
Yes. EMV Chips can be used for phone payments. The card number, expiry date, and security code are entered on the phone keypad using DTMF masking technology.
Is a emv chip secure?
Yes, when handled correctly. PCI DSS requires all card data to be protected regardless of card type. Using DTMF masking for phone payments ensures the data never enters the agent environment.
Related Terms
See how Paytia handles emv chip
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