EMV®: What you need to know

The OpenEdge EMV Solution

Our solution delivers an integrated, certified secure payment processing solution that minimizes the level of effort needed for implementation and includes ongoing updates to keep the payment processing technology current. The OpenEdge EMV solution supports multiple peripheral device options and is Card Brand-certified, providing these benefits:

  • Swift Implementation
    Because the development time required for EMV support is reduced, we can prepare you for EMV quickly and well ahead of the liability shift.
  • Future-Proof
    Any new technology undergoes a period of adaption and experimentation, implementing new features over time. Our EMV solution is sophisticated and feature-rich, incorporating trending technologies that will grow in acceptance: Near Field Communication (NFC), Apple Pay, tokenization, point-to-point encryption and more.
  • Device Flexibility
    EMV and magnetic stripe technologies will co-exist for some time. Your OpenEdge hardware will accept all transaction types. As consumers grow accustomed to paying on different platforms (smart phones, tablets, new mobile devices), we’ll be ready – and so will you.
  • Ready. Set. Go.
    EMV supported terminals from OpenEdge are available for you to purchase today. We also offer a rental program to help you manage the expense of the new devices.

Get answers to your questions
by visiting our FAQ page

Frequently Asked Questions    

Download our Merchant case study

Case Study    

OpenEdge & EMV Experience: OpenEdge is the technology innovation division of industry leader, Global Payments. We’ve deployed EMV in countries around the world. EMV is familiar territory for the security professionals at OpenEdge.

Who does EMV impact?



Developers without an EMV-capable integration will have to go through the lengthy and costly EMV certification process independently with the processor and Card Brands. However, We make it easy with our EMV-capable integration method that allows developers to instantly offer an EMV solution, and best of all we manage all the “heavy lifting” from EMV certification, hardware device interaction and ongoing updates. Click here for a diagram that demonstrates the scalable feature of our solution (Payment App on PC vs on EMV device)



The checkout experience will change. Rather than swiping cards, consumers will insert them into a card reader (many are calling this action “dipping”). The user only removes the card after the device prompts that the transaction is complete. Clerks will rarely handle cards, and will need to watch for those forgetting cards after EMV transactions.

Card Holders

Card Holders

If you haven’t already received a new debit or credit card with a tiny gold or silver chip imbedded in the card, you will be getting one soon. This embedded chip enables an authentication process known as Europay, MasterCard, and Visa (EMV) that helps authenticate purchases and thus, reduce fraud associated with using debit and credit cards. Although it isn’t 100% fraud proof, it is much more secure than standard magnetic strip technology.

How does EMV technology work?

Your EMV-enabled device will communicate with the chip inside the customer's smart card to determine whether or not the card is authentic. Generally, the terminal will prompt the customer to sign or enter a PIN to validate their identity. This process enhances the authentication of both the card and cardholder, effectively reducing the possibility that your business will accept a counterfeit card or be held liable for a fraud-related chargeback.

Learn more about how to process EMV transactions →

How to process EMV transactions

Chip & Signature

Instead of providing a PIN to complete a purchase, this process just requires a signature. Signature can be obtained via a signature capture device, or via paper receipt.


NFC-enabled card users can tap the card in front of an NFC-enabled POS device and then provide either a PIN or signature.

Chip & Pin

The card is inserted into the POS device which keeps the card until a PIN number is provided.

Chip Only

If a transaction is under specific floor limit, neither PIN nor signature may be required.

Magnetic Stripe

Supported EMV devices will also enable the acceptance and processing of magstripe cards in addition to those utilizing a smart chip. Signature can be obtained via a signature capture device, or via paper receipt.

How is a chip card different from a traditional payment card?

A chip payment card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. What you see on the card is not the actual microchip but a protective overlay. The microchip provides an additional level of authenticity for the transaction.

How will chip cards impact the checkout experience at my business?

To process a chip card transaction, follow these four simple steps:

  1. Identify whether the card is a chip card.
  2. If it's a chip card, the customer should then insert it into the chip card reader (slot on the bottom-front of the terminal) and leave it there until the transaction is complete.
  3. Follow the prompts displayed on the terminal.
  4. Let the customer complete the transaction by keying in a PIN or signing the receipt.

Our EMV solution is part of EdgeShield

EdgeShield is a collection of security-related components designed to eliminate existing vulnerabilities within the payments chain. When integrated into systems that accept payments, the bundle can protect credit card data while at rest and in transit. EdgeShield includes:

Edge EMV. This fraud-reduction technology seeks to protect card issuers, merchants and consumers from losses due to the use of counterfeit and stolen payment cards at the point-of-sale. The technology also helps insulate developers from complex device driving and card brand certifications.

P2P Encryption. OpenEdge’s proprietary encryption is designed to render cardholder data virtually unreadable, encrypted at the device. Merchants are unable to view card numbers after the swipe or hand-key.

Token Vault. Cardholder data is replaced by digital “tokens” based on this technology. Sensitive data is stored in the more secure OpenEdge vault rather than in the merchant environment.

PCI 3.0. Payment applications are rendered out-of-scope with EdgeShield, eliminating cumbersome PCI validation requirements.

Download the EdgeShield Information Guide

EMV combined with the other security features of EdgeShield preserves the integrity of the payments ecosystem.

  Prevents Counterfeit Fraud Protects Data in Transit Protects Data at Rest
EMV Only
Encryption + Tokenization
EMV + Encryption + Tokenization

Contact Us about EMV


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