EMV Technology

EMV, the classic payment card standard, stays in step with customer trends

Embrace the potential of EMV technology

EMV technology has made the payments industry far more secure. But that’s not all it offers – EMV also paves the way for additional future payment propositions by enabling safer and smarter transactions beyond cards and contactless to mobile and remote payment channels. All you need is the right partner to make them a success.

High fraud rates associated with magstripe technology was the driving force behind global adoption of EMV cards. This has been proven to work in every market where smart cards have been deployed. G+D has been shaping the industry in and supported customer migrations with minimum impact to existing processes.

G+D’s role today is to offer financial institutions the products and services they need to provide secure payments in accordance with EMV standards. We ensure your focus is on growing your business and not on handling complex processes. Our industry-leading experts, extensive experience from developing EMV technology, and working with more than 2,500 financial institutions as customers, make us the ideal partner.

Catch the next wave of EMV services

EMV cards have more advantages than just security. Using contactless technology as a communication channel between the EMV card and the terminal will keep the transaction secure and increase speed and convenience, which is a benefit for both the merchant and the card holder. The versatility of these cards presents potential new revenue possibilities for financial institutions. They can also be deployed for use as tickets in public transport, as loyalty cards, or for physical access.

  • Remotely identify and authenticate the cardholder, make local or remote payments, and even deliver loyalty and couponing

  • Limit exposure to fraud by capping cardholder spend per day, country, or transaction type. Alternatively, disable the application over the air

EMV Contactless: Fast, frictionless payment

EMV technology today forms the core of mobile apps, mobile wallets, wearables, stickers, fobs, and traditional card form factors. The next wave of value-added services enabled by this versatile technology will be contactless payments. “Contactless payment offers consumers a fast, secure, and convenient way to pay, providing merchants with significant opportunities to reduce queuing and improve the in-store payment experience, while offering brands a host of new loyalty opportunities. It also enables a significant reduction in the use of cash, as seen in several early adopting countries.” (Smart Payments Association, May 2016)

Contactless payment paves the way to multi-application, as the same device (card, mobile handset, or wearable) can also be used for transit or access control.

Smart Payments Association, May 2016

Tap+Pay gives consumers what they want: secure, convenient payment

Offering the convenience and security of contactless payment, financial institutions differentiate themselves from the competition by decreasing the consumers’ time needed to complete the transaction. Options such as not requiring a signature or PIN for low-value transactions appeal to consumers who are always rushing. Contactless technologies in the transit and co-branded domains introduce the positive revenue opportunities of secure open-loop schemes.

Tap+Pay is a winning proposition for the entire value chain: consumers, financial institutions, as well as merchants. Accepting contactless payments speeds up the check-out experience and increases throughput at each point of sale.

Contactless technology is rapidly adopted worldwide

  • All new terminals in Europe must be contactless-enabled

  • More than 70% of POS terminals in Spain and Poland are contactless enabled*

  • Since 2014, payment brands in Canada and Australia mandated contactless acceptance for all deployed or upgraded terminals*

  • 90% of new cards issued in China are contactless*

    *Source: Smart Payment Associations

G+D introduced the first EMV contactless cards more than a decade ago and has remained the industry leader. The G+D product line complies with payment regulations and does not limit card artwork designs or the personalization technologies that can be applied to the card. G+D offers the full range of contactless products: from Dual Interface cards that can be personalized within any of our worldwide facilities to fully active wearables that can be personalized with a tokenized PAN through a paired device over the Internet.

Realize your EMV project

EMV technology has evolved since it was launched with new configurations to meet the demand of regional/national regulations, payment brands’ requirements and consumer behavior. These factors combine to make each EMV project highly complex with a unique supply chain, portfolio, customer base, and processes for every financial institution. Therefore, a strong and experienced partner is critical to your EMV journey.

G+D has realized EMV migration projects in more than 50 countries worldwide and has developed processes that make migration and development around EMV services quick, simple, and secure. Our scope of service does not end when the solution is introduced. G+D remains at the customer's side with a wide range of tools to optimize the processes relating to personalization, issuing, and use of payment products.

Personalization up to 50% faster than average market solutions

G+D offers secure products that are quickly personalized. What’s more, they work at a faster transfer rate in the field to fulfill Visa and Mastercard requirements. G+D is the first to offer Quick Chip. This specification enhancement from Visa mitigates consumer adoption issues where time lag is an issue.

With Quick Chip, customers dip and remove their EMV chip card at checkout in 2 seconds or less. They can even do so before the transaction is complete and the salesperson is still ringing up the items.

Loyalty and white-label solutions

Payment services enhanced with customer loyalty programs are a source of growth for many businesses and market segments: public transportation, domestic debit schemes, gas stations and other retailers, government and mobile network operators. For enhanced security, white label EMV applications leverage the security and interoperability of the EMV specifications in the closed-loop space. G+D’s white label payment solution extends beyond card manufacturing and personalization. We offer and end-to-end solution reaching from cards and personalization to issuing and acquiring systems, rounded up with a state-of-the-art loyalty engine.

CONVEGO® OMNI offers a unique stack of value-added features

  • Customizable to regional and national requirements

  • Comply with EMV Common Payment Application (CPA) and Common Core Definitions (CCD) to ensure maximum flexibility and interoperability for all stakeholders

  • Enhanced use cases to enable data sharing and contactless payment within the closed-loop environment

  • Standard certification process with no dependency on proprietary implementations

  • Tools, software, and services needed to configure, personalize, and manage the data and keys related to white label cards

CONVEGO® Pearl: For closed-loop payment and loyalty schemes

CONVEGO® Pearl: Want to enjoy significantly reduced service fees in your own closed-loop payment scheme? Want to add income through prepaid customer payment models, and dedicated loyalty programs for individual, fleet, and VIP customers? Try CONVEGO®  Pearl.

What EMV Technology by G+D can do for you

1. Speed to market?

G+D owns end-to-end technology that drives fast and secure loading and configuration of chip operating systems and applications. Combined with our Art-to-Card digital card production capabilities, G+D can have your EMV card stock ready in a matter of days.
Fully functional EMV cards, complete with custom carriers, can reach your cardholders just days after an order is placed thanks to G+D’s off-the-shelf, pre-certified EMV profiles and on-demand dynamic printing capabilities for cards, carriers, activation labels and inserts.

2. Technical Challenge?

Let our certified consultants and subject matter experts review your issuance supply chain and provide their professional assessment that is backed by projects with 2,500 different financial institutions around the globe: you can add loyalty, authentication, and much more into your EMV program by utilizing the chip capabilities.

3. Want to upgrade or switch chip platforms?

As G+D products and back end systems are compliant with industry standards, like common personalization specifications, there is no hassle or extra cost to upgrade or change service providers.

4. In-house perso issuer?

What about reducing your chip personalization on time by up to 50%? G+D’s proven and optimized technology increases your personalization throughput compared to other products available on the market today.

5. Thinking dual interface?

G+D introduced the first dual interface EMV card more than a decade ago. G+D is a leader in contactless card technologies and production with state-of-the-art facilities around the globe – staffed with experienced industry experts.

6. Not sure where to start?

G+D houses our production processes under one roof - from card printing and manufacturing to chip embedding and initialization to personalization and fulfillment. We use our proven technologies in-house, which means we have no dependencies on third party technology suppliers or personalization vendors. You save time and money while enhancing security, thanks to G+D’s streamlined, end-to-end production systems.

Matching solutions

Be iconic, with CONVEGO® Factors card designs

From stylish to sustainable, the unique card design options of CONVEGO®  Factors by G+D Mobile Security let you stand out. They show you understand what your customers like, value, and trust.

  Explore a world of fascinating design options

The trusted mobile hub that let's you be in control

CONVEGO® Hub by G+D Mobile Security is the only solution that supports mobile payments for multiple payment schemes and allows you to interface with issuers and wallet providers.

  Explore CONVEGO® Hub

How to stay top-of-wallet in the digital transformation?

How can you as an issuer keep your brand visible and positioning your brand as a premium bank? Premium payment cards such as Metal Cards are one of the latest trends driven by consumers’ desire for that little extra when it comes to style and status. 

  Explore our Metal Card offering

Talk to our EMV experts

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