• Contact Us: [email protected]
U.S. Payments Forum U.S. Payments Forum
  • About
    • Overview
    • Activities
    • Forum Management
    • FAQ
    • Media Resources
  • Membership
    • Current Members
    • Membership Benefits
    • Membership Levels
    • Membership Application
  • Working Committees/SIGs
    • Overview
    • ATM Working Committee
    • Communication and Education Working Committee
    • Debit Routing Working Committee
    • Electric Vehicle (EV) Open Payments Working Committee
    • Mobile and Touchless Payments Working Committee
    • Payments Fraud Working Committee
    • Petroleum Working Committee
    • Testing and Certification Working Committee
    • Transit Contactless Open Payments Working Committee
    • Special Interest Groups / Birds of a Feather Sessions
  • Resources
    • Forum Published Resources
  • News
    • Forum Press Releases
  • Events
    • Upcoming Events
    • Guest Pass Policy
    • Sponsorships
    • Past Events
Login

US Payments Forum Launches New Resources: mPOS and TapToMobile Solutions and POS User Acceptance Testing Guidance

  • Home
  • Press Releases
  • US Payments Forum Launches New Resources: mPOS and TapToMobile Solutions and POS User Acceptance Testing Guidance
US Payments Forum Launches New Resources: mPOS and TapToMobile Solutions and POS User Acceptance Testing Guidance

REDWOOD CITY, Calif., April 18, 2023 – The U.S. Payments Forum today released two new white papers related to the Point of Sale (POS). The first resource seeks to educate industry stakeholders on the differences between mPOS, TapToMobile and traditional POS solutions. It also details related Payment Card Industry (PCI) security standards considerations and Level 3 EMV testing requirements. The second resource offers guidance for User Acceptance Testing (UAT) to reduce production and acceptance issues following the deployment of POS Solutions.

“As experiences at the POS evolve, the Forum aims to support the industry by providing valuable educational materials to facilitate smooth implementation processes,” said Devon Rohrer, managing director of the U.S. Payments Forum. “These resources directly address the concerns raised by merchants and other industry stakeholders navigating the different functionalities, security standards and testing considerations of newly installed or emerging POS solutions.”

Guidance on mPOS and TapToMobile Solutions

Today, merchants want to differentiate themselves by providing the latest payment options to their customers. With Mobile point-of-sale (mPOS) and TapToMobile terminal technology, merchants are able to leverage commercial off-the-shelf (COTS) devices, such as smartphones or tablets, to accept payment and offer new experiences at the point of interaction. However, while similar, mPOS and TapToMobile solutions have different functionality and are governed by different security standards.

The Forum’s white paper, “Introduction to mPOS and TapToMobile Solutions” provides guidance on the different form factors and technologies associated with these payment systems and weighs the benefits against traditional POS terminals. The resource also offers guidance on PIN entry, PCI SSC mobile security standards and EMV Level 3 testing and certification.

Guidance on User Acceptance Testing (UAT)

Testing and certification are an integral part of any new technology deployment, and EMV contact and contactless deployments are no different. EMV offers end users a great deal of flexibility and options. At the same time, the EMV contactless kernels provided by the global payment networks have some fundamental differences, which makes EMV testing and certification more challenging than that of traditional magnetic stripe readers (MSRs).

“Point of Sale User Acceptance Testing (UAT) Considerations” is a white paper that aims to suggest transaction scenarios that may assist in UAT of newly implemented certified solutions, ensuring that the POS operates as expected in the production environment. The document serves to outline the most common pitfalls and issues gathered over five years of EMV implementation experience in the U.S.

The white papers were developed by the Mobile and Touchless Payments and Testing and Certification Working Committees respectively, with participation from additional Forum members. Organizations, associations, government agencies, and individuals interested in participating in the development of future white papers can visit the Forum’s website to learn about Forum membership. By joining the U.S. Payments Forum, members will also have access to broader activities within the Secure Technology Alliance and its affiliated organizations. For membership levels, benefits and the application, visit: https://www.uspaymentsforum.org/membership/membership-benefits/

About the U.S. Payments Forum

The U.S. Payments Forum is a cross-industry body that brings stakeholders together on neutral ground to enable efficient, timely and effective implementation of emerging and existing payment technologies. This is achieved through education, guidance and alternative paths to adoption. The Forum is the only non-profit organization whose membership includes the whole payments ecosystem, ensuring that all stakeholders have the opportunity to coordinate, cooperate on and have a voice in the future of the U.S. payments industry. The organization operates within the Secure Technology Alliance, an association that encompasses all aspects of secure digital technologies.

About the Secure Technology Alliance  

The Secure Technology Alliance is the digital security industry’s premier association. Through its U.S. Payments Forum, Identity and Access Forum and its collaborative working groups, the Alliance fosters open dialogue among industry stakeholders to explore and develop secure technology innovations in the payments, identity and access markets. By collaborating on education and guidance, the Alliance helps enable efficient, timely and effective implementation of large-scale, disruptive technologies. For more information, please visit https://www.securetechalliance.org.

Contact

Sherlyn Rijos-Altman
Montner Tech PR
203-226-9290
[email protected]

Share this

Search the site

Latest Press Releases

  • US Payments Forum Spring Market Snapshot: AI and Biometrics at Odds, Overcoming Online Fraud and the End of Magstripe April 2, 2025
  • 2025 Identity & Payments Summit Agenda Explores New Frontier of Fraud Prevention, Digital Credentials, AI and Quantum Computing February 13, 2025
  • US Payments Forum Announces 2025 Steering Committee January 22, 2025

About the U.S. Payments Forum

The U.S. Payments Forum is a cross-industry body focused on addressing issues that require broad cooperation and coordination across many constituents in the payments industry. The Forum is an affiliated organization of the Secure Technology Alliance, founded in August 2012 as the EMV Migration Forum, and renamed in the U.S. Payments Forum in 2016 to include other new and emerging payments technologies in the United States.

Media Resources

Members of the media interested in learning about and accurately reporting on current and emerging payments technologies in the U.S., such as EMV, tokenization, encryption, and mobile and contactless payments, should visit our Media Resources page.

Quick Links

  • Help
  • Privacy Policy
  • Contact Us

 

All Rights Reserved © 2025 U.S. Payments Forum. Terms of Use.
EMV is a trademark, and in some countries a registered trademark, of EMVCo LLC. U.S. Payments Forum is using the EMV mark under a license from EMVCo, but otherwise it is not affiliated or associated with EMVCo, and the content of the site is not endorsed by EMVCo.

Login Area

Create New Account / Forgot Password?
Login with Facebook Account
Login with Google Account
Login with Twitter Account
Login with Yahoo Account
Session 4: Tuesday, August 12th at 9am PT

Crypto & Stablecoins: Unpacking the Future of Digital Value in Payments

Wrap up the U.S. Payments Forum Summer Education Series with a timely deep dive into one of the most talked-about trends in the financial world: cryptocurrency and stablecoins.

In this final, member-exclusive session, industry experts will demystify the fundamentals of these digital assets and explore their potential impact on the payments ecosystem. From definitions and use cases to regulatory considerations and real-world adoption, this conversation will provide clarity on where crypto fits—and where it’s headed—in mainstream commerce.

If you’re curious about how digital currencies may reshape transactions, settlement, and consumer expectations, this session is your chance to get informed and stay ahead.

Register Now
Session 1: Tuesday, June 24th at 9am PT Agentic Payments

Agentic Payments: The Next Evolution in Seamless Transactions

Kick off the U.S. Payments Forum Summer Education Series with a forward-looking conversation on agentic payments—a transformative approach where devices, apps, or digital assistants initiate and complete transactions on behalf of users.

In this member-exclusive session, Visa and Mastercard will share insights into their agentic payment strategies and real-world applications, exploring how AI-driven automation is reshaping customer experiences and the broader payments ecosystem. Joining the conversation is Firmly, a company building the agentic commerce infrastructure powering frictionless AI-native checkout across digital channels.

Moderated by Andrew Gordon from Discover, this discussion will unpack the opportunities, considerations, and future outlook for autonomous commerce.

Moderator: Andrew Gordon, Discover

Panelists: Sukh Dev, Mastercard; Reed Bouchelle, Visa; Kumar Senthil, Firmly

Register Now
Session 2: Tuesday, July 8th at 9am PT

Demystifying Tokenization: Protecting Payments in a Digital-First World

Join us for the second installment of the U.S. Payments Forum Summer Education Series, where industry experts from SHAZAM and Mastercard, will break down the complexities of tokenization—a foundational technology for securing modern payment ecosystems.

This members-only session will cover the critical role tokenization plays in reducing fraud, protecting data, and enabling secure digital commerce. Attendees will gain clarity on the different types of tokens—network, acquirer, and card-on-file—and learn when issuer involvement is required, when it isn’t, and why that distinction matters.

Whether you’re building, managing, or modernizing payment systems, this session will equip you with the knowledge needed to navigate tokenization with confidence.

Panelists: Manish Nathwani, SHAZAM; Sukh Dev, Mastercard

Register Now
Session 3: Tuesday, July 29th at 9am PT – 90 minutes

Merchant and Issuer Special Interest Group (SIG)

Join industry leaders Joe Vasterling (Best Buy) and Sara Walsh (Bank of America) for the third session of the U.S. Payments Forum Summer Education Series—a collaborative conversation between merchants and issuers focused on solving shared challenges and accelerating innovation. This member-exclusive session offers a neutral space to explore evolving regulations, customer experience expectations, and the adoption of new payment technologies. Whether you’re working to optimize transaction flows, enhance security, or better align ecosystem priorities, this session is your chance to engage directly with peers, exchange insights, and help shape the future of payments.

Led by: Joe Vasterling, Best Buy; Sara Walsh, Bank of America

Register Now