Guidelines for Contactless ATM Transactions – A Guide for ATM Owners and Operators
Publication Date: July 2019
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.
1 ATM Industry Association, EMV MIGRATION SURVEY 2018
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