Come October 1, the concept of EMV credit cards and their accompanying technology changes will become reality. At stake: fraud protection, liability for fraud and a positive customer experience.

The jury is still out as to whether merchants are ready. A February report from Aite research says 46% of merchants interviewed said “they had not yet begun any preparations for EMV acceptance.” That number is concerning. For merchants who still are not ready, here are five essential facts and considerations.



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Jeff Stroud is Senior Managing Consultant in Global Payments and Emerging Markets. With 23 years experience in the payment industry including work with acquirers, issuers and payment brands, he recently re-joined Mastercard in the Advisors Group to provide expertise in the US migration to EMV.