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US Payments Forum Provides EMV Troubleshooting Guide for ATM Owners and Operators

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US Payments Forum Provides EMV Troubleshooting Guide for ATM Owners and Operators

Princeton Junction, N.J., December 20, 2017 – As the implementation of EMV at U.S. ATMs continues at a steady pace, some ATM owners and operators have questions about certain chip transaction scenarios. The U.S. Payments Forum released a new white paper today that provides recommendations to help ATM owners prevent common transaction issues, and offers suggestions for troubleshooting problems when they do occur.

The white paper, “EMV Troubleshooting Guide for ATM Owners and Operators,” and can be downloaded at https://www.uspaymentsforum.org/emv-troubleshooting-guide-for-atm-owners-and-operators/.

“The ATM Industry Association (ATMIA) estimates that 80 percent of ATMs will be chip-enabled by the end of 2017[i]. With the increase in enablement, the ATM industry needs a go-to resource for troubleshooting common problems relating to transactions using chip cards at both chip-enabled and non-chip-enabled terminals,” said Randy Vanderhoof, director of the U.S. Payments Forum. “With this document, the industry now has an easy-to-use resource to answer many of the common questions owners and operators have today.”

Created by the U.S. Payments Forum ATM Working Committee, the white paper covers:

  • Best practices on preventing common transaction problems by ensuring data integrity and monitoring transaction activity. The paper addresses both when chip cards are used at chip-enabled and at non-chip enabled ATMs.
  • Troubleshooting tips, including how to monitor for possible problem scenarios and how to determine the scope of the issue. The paper reviews several scenarios that could emerge, including fallback, declined transactions and chip transaction reversals.

This white paper is part of the U.S. Payments Forum’s ongoing effort to identify issues and provide guidance and best practices to overcome them to keep moving the U.S. chip migration forward. Other resources created by the Forum relating to EMV chip technology in the U.S. can be found at www.emv-connection.com.

The next ATM Working Committee project is focused on providing an overview of guidelines for accepting contactless transactions at the ATM and developing guidelines for interoperability due to emerging mobile wallet and contactless EMV card technology. Additional resources created by the ATM Working Committee are available at https://www.uspaymentsforum.org/working-committees-sigs/atm-working-committee/.

About the U.S. Payments Forum

The U.S. Payments Forum is a cross-industry body focused on supporting the introduction and implementation of new and emerging technologies that protect the security of, and enhance opportunities for payment transactions within the U.S. 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.

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Megan Shamas
Montner Tech PR
203-226-9290
[email protected]

 

[i] ATMIA 2016 ATM Channel EMV Readiness survey

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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.

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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.

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

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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

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

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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

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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

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