EMV: What It Is and What It’s Not

EMV: What It Is and What It’s Not

U.S. EMV is coming. Are you prepared? In the simplest terms, EMV is a special chip embedded on a credit or debit card that helps to prevent card-present fraud. The EMV chip prevents counterfeiting, skimming, and the use of lost or stolen credit or debit cards.

EMV Made Simple

Shift4, provider of the world’s largest independent payment gateway, DOLLARS ON THE NET®, already processes EMV transactions in Canada and has the unique capability to be a force multiplier the independent software vendors (ISVs) that supply point-of-sale (POS) and property management system (PMS) solutions, as well as payment device manufacturers and processors as they transition to EMV in the U.S. We can also simplify the process for merchants who are implementing new solutions or planning to change devices or processors.

Shift4's flexibility and unique infrastructure allow us to reduce the time, expense, and stress of the EMV transition for everyone involved.

Click on one of the menu options below to learn how we can help you:

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Shift4 Makes EMV Easy for Merchants

Shift4 makes getting ready for U.S. EMV easy for merchants. Here’s how:

  • Shift4’s support for EMV is complemented by our True P2PE™ (point-to-point encryption) and TrueTokenization® solutions, ensuring our merchant customers get the strongest payment data security available.
  • Merchants using DOLLARS ON THE NET can choose from premier payment devices that are both EMV capable and that come with Shift4’s encryption keys for True P2PE already injected.
  • Since Shift4 is completely bank and processor neutral, merchants can quickly and safely switch banks or processors as needed.
  • Shift4 features 350+ integrations with the leading POS and PMS solutions, so merchants can be assured that their POS or PMS will be supported to accept EMV transactions.

Are You Ready for EMV?

Check for regular updates on our EMV microsite. For more detailed information, contact Shift4 today.

Shift4 Makes EMV Easy for ISVs

Shift4 makes getting ready for U.S. EMV easy for ISVs with a simple certification for EMV. Here’s how:

  • Shift4’s Universal Transaction Gateway® (UTG®) controls the payment devices connected to it, so ISVs who are currently certified with Shift4 for debit will be able to offer U.S. EMV without making any significant changes to their existing software.
  • Because of the UTG’s device control, ISVs certified with Shift4 will automatically receive EMV certifications for each device and processor we support, so there is no need for them to do a separate certification for each device. This saves ISVs about six months of development time (approximately $250,000 or more) plus certification fees (which can vary from $4,000 to $15,000 per pass) for each device and processor.
  • The UTG also offers no-cost, no-hassle system updates, including updates to stay compliant with the industry’s regulations, resulting in approximately $100,000 cost savings or more in ongoing development costs.
  • In Canada – and now in the U.S. – Shift4’s PA-DSS-validated UTG stands in the place of the POS or PMS solution in the certification process as the payment application of record. This means ISVs can focus their time and money (and development cycles) on other features.
  • Our full suite of technologies allows vendors to often entirely remove their application from PCI DSS scope – meaning costly PA-DSS validations may no longer be required.

Are You Certified With Shift4 for EMV?

Contact Shift4 today to ensure you are certified with Shift4 for U.S. EMV and check our EMV microsite for regular updates.

Shift4 Makes EMV Easy for Payment Device Manufacturers

Shift4 makes getting ready for U.S. EMV easy for payment device manufacturers. Here’s how:

  • Because Shift4’s integrations to the various POS and PMS solutions allow us to stand in for them as the payment application of record, we have the ability to also stand in for the POS and PMS solution in EMV certifications. This means that after we’ve certified a device to a given processor, it is certified no matter which POS or PMS solution a merchant uses (so long as they are integrated to DOLLARS ON THE NET). This can save payment device manufacturers months of work and tens of thousands of dollars. Also, it gets certified devices to market faster.
  • Shift4 satisfies the 600+ flows required by the processors for EMV certification with a simplified, "one-and-done" approach. When device manufacturers certify a device with us – once – they’re good to go.
  • Certifying a payment device with Shift4 will increase exposure to merchants across every industry in North America. We work with more than 24,000 merchants across over 100,000 locations throughout the U.S., Canada, and the Caribbean.
  • Shift4 provides payment device manufacturers with freedom for innovation when adding new features and capabilities. Because our unique technologies allow us to stand in for POS and PMS solutions and control the payment devices, all of our integrated POS and PMS solutions will support new device upgrades with no development required from the POS or PMS solution vendor, so long as Shift4 supports the new features. This means innovations can reach more locations, more quickly.

Are Your Payment Devices Certified With Shift4 for EMV?

Contact Shift4 today to ensure your payment device is certified with Shift4 for U.S. EMV. And, check our EMV microsite for regular updates as we continue to prepare our merchant customers and business partners for the migration to U.S. EMV.

Shift4 Makes EMV Easy for Processors

Shift4 makes getting ready for U.S. EMV easy for processors. Here’s how:

  • Shift4 will do the legwork of certifying payment devices and ISVs for EMV so processors won't have to, saving you time and money. This means that if you certify with Shift4, we will help you reach tens of thousands of merchants who are looking for an EMV-ready solution that works with their POS or PMS solution. (We can also make it simple for merchants to switch to EMV-ready processors who have certified with Shift4.)
  • Because Shift4 replaces the POS or PMS solution as the payment application of record, a certification to us gives a processor access to our full network of integrated POS and PMS solutions (350+ and growing), payment devices from all the leading manufacturers, and merchants who are looking for a certified, secure EMV solution.

Are You Ready for EMV?

Processors, make sure you put Shift4 at the top of your list for EMV certification. Certifying Shift4 for EMV will save you time and money on EMV certifications and help connect you to Shift4’s integration partners and merchant customers. Contact Shift4 today.

Shift4 Makes EMV Easy for the Credit Card Brands

Shift4 makes the process of preparing for U.S. EMV easier for the credit card brands. Here’s how:

  • If card brands (e.g., Visa, MasterCard, etc.) encourage their vendors to partner with a payment gateway like Shift4’s, it will help to get the U.S. market ready for EMV faster. This is because Shift4 provides processors and payment device manufacturers the help that they need to prepare for EMV and connects them with merchants who desire EMV readiness, as well as the best payment and security solutions.
  • We understand that EMVCo wants global interoperability of chip-based payment cards. Shift4 offers the best solution since we are proudly bank and processor neutral and are dedicated to reducing the complexities of the U.S. EMV migration for everyone involved.

Connect With Shift4

Check our EMV microsite for regular updates as we continue to prepare our merchant customers and business partners for the migration to U.S. EMV. And, if you have any questions, you can contact Shift4 today.

3 Things Every Merchant Should Know About EMV


Shift4’s SVP of Applications Development, Steve Sommers, was recently invited to San Antonio to speak at the Hotel Technology Next Generation (HTNG) North American Conference. The session he was asked to join, entitled “Securing Payment Data: Tales From the Front,” featured Sommers alongside Rob Martin, the VP of Security Solutions for device manufacturer Ingenico, and Merchant Link’s Director of Product, Christian McMahon.

Which EMV Device Is Right for You?


Many of our merchant customers are looking into purchasing new payment devices to begin accepting EMV chip cards. In this article, we highlight the payment devices we support for processing EMV and a few of their features that may help you determine which one(s) will work best for your business.

Don’t Get Lured Away From Shift4


We can only assume that at one time or another, you may be contacted by our competition and pressured to move to another payment gateway. If this is the case and you’re considering a move, don’t make the mistake of believing everything you hear. There are a lot of things that you get with Shift4 that you can’t get anywhere else.

Shift4 Is Ending Support for a Few Payment Devices


Every now and then, older model payment devices are replaced with more advanced, secure, and better performing models. This is the case with a few payment devices that have reached their end-of-life, which means the manufacturer will no longer support or sell them.