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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The Impact EMV Has On Kiosk Owners

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The Impact EMV Has On Kiosk Owners

As a kiosk owner you may be wondering what the impact of EMV will have on your kiosk business. To answer this we need to analyze what being EMV enabled means, and what will happen if you’re not upgraded. EMV (Europay Mastercard and Visa) is a global payment standard created by the major credit card brands. EMV uses the embedded microprocessor chip on your new credit card. This chip is replacing the old magnetic stripe as the means to convey your account information to a terminal. The mag-stripe cards are less secure, and the information on the mag-stripe can be easily retrieved and replicated. This leaves cardholders at risk for their account information being used to create cloned fraudulent cards.

EMV is technically a choice for merchants.  With that being said, a merchant who has not implemented this technology will be liable for fraudulent mag-stripe transactions performed at their kiosks. The liability deadline was October 2015, but most experts don’t expect the majority of merchants to be upgraded for another 3-4 years. Last summer merchants handling low value transaction (under $25.00) were given a grace period for liability. This includes many kiosks and vending machines. When this grace period ends you need to make the upgrade to EMV. Card issuers will hold you liable for fraudulent credit card charges if your payment equipment is not EMV compliant.


Many businesses have experienced challenges while trying to implement EMV technology, and because of this credit card issuing companies have given businesses more time to comply. The credit card companies want to support merchants, and help reduce credit card fraud. Kiosk operators have been slower to comply with this than larger companies. Seventy-six percent of the 200 largest merchants are now able to accept cards with EMV chips. Don’t feel overwhelmed as a kiosk owner. Payment equipment manufacturers have created many EMV compliant devices, and there are many pre-certified software solutions available to integrate these devices to your kiosk’s application. The easiest way for businesses to begin the compliance process is to find a technology partner that they can trust.


For more information on the choices available to you please contact us!

Unattended Card Payments Inc.

This email address is being protected from spambots. You need JavaScript enabled to view it.

Tel: (702) 802-3504

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