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US Payments Forum Releases Guidance for Streamlining EMV Certifications at the Fuel Pump

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  • US Payments Forum Releases Guidance for Streamlining EMV Certifications at the Fuel Pump
US Payments Forum Releases Guidance for Streamlining EMV Certifications at the Fuel Pump

PRINCETON JUNCTION, N.J., October 31, 2019 – Testing and certification have been cited as one of the biggest challenges for EMV chip implementation at the automated fuel dispenser (AFD). With the AFD fraud liability shift slated for October 2020, the U.S. Payments Forum has released guidance for streamlining this process and reducing redundancy, implementation time and effort required to achieve certifications for systems using electronic payment servers.

The Forum’s Redundancy Reduction Approach (RRA) is outlined in the white paper, “Options for Reducing Level 3 EMV Certification Time for Retailer Systems using Electronic Payment Servers (EPS),” which can be downloaded at https://www.uspaymentsforum.org/options-for-reducing-level-3-emv-certification-time-for-retailer-systems-using-electronic-payment-servers/.

“In a recent Conexxus survey, 42% of petroleum retailers reported that they already are, or will be 100% chip-ready by the liability shift date. For the other 58%, the U.S. Payments Forum understands the unique considerations for this environment and has developed this guidance to help the community move as quickly as possible in its EMV implementation,” said Randy Vanderhoof, director of the U.S. Payments Forum. “With participation from key payments stakeholders and implementers, this organization is an industry-recognized forum where the AFD community can find resources to help with EMV implementations.”

This white paper includes high-level overviews of:

  • The RRA, which empowers independent software vendors (ISV), solution providers and merchants to test on their own, rely on card log results, and reduce time between testing and reviewing results
  • The recommended solutions from each global payment network to reduce time in L3 EMV certification testing, including American Express, Discover, Mastercard, UnionPay and Visa
  • The recommended solutions from each domestic payment network

This approach was created by the Forum’s Testing and Certification Working Committee, which discusses the challenges with EMV certification and defines approaches for achieving certification to meet the payment network milestones for fraud liability shift. The committee is composed of industry members including acquirers, merchants, networks, terminal vendors and POS solution providers.

Additional resources on EMV and other new and emerging technologies are available through the U.S. Payments Forum at www.uspaymentsforum.org, www.emvconnection.com, http://www.getcontactless.com and @USPaymentsForum.

TWEET THIS: With the fraud liability shift for the petroleum industry just a year away, @USPaymentsForum released implementation guidance to reduce implementation & certification time for #EMV: https://www.uspaymentsforum.org/options-for-reducing-level-3-emv-certification-time-for-retailer-systems-using-electronic-payment-servers/

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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Adrian Loth
Montner Tech PR
203-226-9290
[email protected]

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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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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.

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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

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

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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

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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

Register Now