Guidelines for Contactless ATM Transactions – A Guide for ATM Owners and Operators

Publication Date:  December 2018

With more than 85 percent of U.S. ATMs now accepting EMV contact chip cards1, many ATM owners are looking to make transactions easier and faster by adding contactless EMV chip capabilities. The white paper, Guidelines for Contactless ATM Transactions – A Guide for ATM Owners and Operators [link to PDF], was developed by the U.S. Payments Forum ATM Working Committee to provide guidelines for accepting contactless transactions at the ATM, and to develop best practices for contactless transaction interoperability for all ATM providers.

The contactless ATM guide focuses on contactless transactions completed with Near-Field Communication (NFC)-enabled mobile wallets and contactless-enabled chip cards and is meant to serve as a starting point for contactless implementation. The guide includes:

  • The basics of contactless concepts
  • ATM contactless requirements – both software and hardware
  • Certification, testing and approvals requirements to support contactless transactions
  • The contactless ATM transaction process

This document provides guidance to ATM providers, acquirers, processors, and vendors who are preparing to implement contactless EMV transactions at their ATMs in the United States.  The white paper also highlights how contactless EMV transactions differ from contact-based EMV transactions and covers contactless transactions using a plastic card, NFC-enabled mobile device, wearable device or other NFC-enabled form factor.

ATM Industry Association, EMV MIGRATION SURVEY 2018


Please note: The information and materials available on this web page (“Information”) is provided solely for convenience and does not constitute legal or technical advice. All representations or warranties, express or implied, are expressly disclaimed, including without limitation, implied warranties of merchantability or fitness for a particular purpose and all warranties regarding accuracy, completeness, adequacy, results, title and non-infringement. All Information is limited to the scenarios, stakeholders and other matters specified, and should be considered in light of applicable laws, regulations, industry rules and requirements, facts, circumstances and other relevant factors. None of the Information should be interpreted or construed to require or promote the establishment of any solution, practice, configuration, rule, requirement or specification inconsistent with applicable legal requirements, any of which requirements may change over time. The U.S. Payments Forum assumes no responsibility to support, maintain or update the Information, regardless of any such change. Use of or reliance on the Information is at the user’s sole risk, and users are strongly encouraged to consult with their respective payment networks, acquirers, processors, vendors and appropriately qualified technical and legal experts prior to all implementation decisions.

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