Agents, Merchants

EMV and PCI Compliance

How is PCI Affected by EMV? Will They Work Together?

The PCI Data Security Standard (PCI DDS) will not be affected negatively by the EMV standard; on the contrary, they will complement each other. The EMV chip has strong security features that have been proven to reduce counterfeit card fraud at card-present retail environments. The PCI DSS provides other complementary levels of security necessary when the cardholder information reaches the merchant's system.

The PCI DSS contains 12 key technical and operational requirements. Rather than focusing on a specific category of fraud, the PCI DSS seeks to protect cardholder and sensitive authentication data anywhere this data is present within the payment ecosystem, thus limiting the availability of this data to fraudsters. When used together, EMV and PCI can reduce fraud and enhance the security of the payments ecosystem.