Unattended Card Payments Inc. (UCP Inc.) is dedicated to providing EMV compliant Hardware and Payment Gateway solutions for Unattended card payment terminals in the North American market.

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What Is EMV Quick Chip?

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What Is Quick Chip?

In the US, the switch over to EMV chip technology has been sluggish. The main complaint from customers and merchants alike is that chip card transactions are too slow. The average transaction with a chip card has always been several seconds longer than the 2 seconds it takes to perform a mag stripe transaction, which can seem like an eternity for a customer in line or for a cashier with a long line of people. This slower card transaction is mostly because the EMV standardization was pushed along by the card issuers (Visa, Mastercard, etc.) whose primary objective was security, not taking into account how transaction speed would affect businesses. Quick chip technology was developed to help merchants ease customer frustration and improve customer experience during check out.

Quick chip is nothing more than a software update and it is free of charge to payment processors, acquiring banks, and other payment service providers.It only requires a simple software update on the merchant’s terminal or POS system, so merchants who are already EMV compliant can upgrade in no time.

How does the quick chip technology work? When using a terminal that has the quick chip update, the customer will insert their chip card for a couple seconds and the POS system will retain the chip data for use when it requests an authorization. Since the chip data is being read and held in the terminal prior to the authorization request’s transmission for processing, the user can remove the card before the transaction is complete. When the final sale amount is known the terminal will build the authorization request and quickly finalize the sale. Quick chip technology is facilitating a quicker adoption of EMV technology by both merchants and consumers.


Below are links to each of the card issuers websites where you can learn more about the quick chip implementation process.


·         American Express Quick Chip

·         Discover Quick Chip

·         MasterCard M/Chip Fast

·         Visa Quick Chip


If you have questions or would like to learn more about your options in accepting EMV payments just call us at 702-802—3504 or email This email address is being protected from spambots. You need JavaScript enabled to view it.


Unattended Card Payments Inc.

6655 S. Tenaya Way #180


Las Vegas, NV 89113

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Hemisphere West Europe Ltd are specialists in attended and unattended payment solutions for the UK and European markets.

Visit website www.hweurope.com

Contact Us

6655 South Tenaya Way Suite #180
    Las Vegas, Nevada 89113

Tel: 702 – 802 – 3504

E-mail: Send Inquiry