The U.S. retail payments market is evolving. This site provides information and answers to questions asked by merchants.


Click here for useful information on EMV.  

These documents provide practical guidance to EMV planning, as well as insights to products and services that you will be researching as you move forward with EMV, mobile commerce and other changes to payments.

  • Help For Merchants

    Help For Merchants

    EMV migration is a complicated topic because there is no "one implementation solution fits all" for retailers. ACT Canada offers many ways for merchants to get unbiased information and clarification.

    • The FAQ section is where merchants can ask EMV questions and get answers from peers and industry experts.
    • The Merchant Strategic Leadership Team actively supports merchants goals related to payment. Much can be gained from collective, open, and non-aligned discussions.
  • Chip Migration

    Chip Migration

    EMV is a standard developed by Europay, MasterCard and VISA for chip-based debit and credit cards. This high security standard is in use in many countries around the world. Chip-based cards contain an embedded computer chip that chip-enabled terminals can read - providing increased protection against counterfeit and lost and stolen card fraud by validating the card and the cardholder.

    Not all chips will sit in cards, so payment stakeholders need to know how to prepare for the evolution to mobile phones, tablets, fobs and other devices that may use either contact or contactless communications.

  • About Us

    About Us

    EMV-USA is a web site provided by ACT Canada to provide a neutral forum for merchants, issuers, acquirers, consumer, media and other payment stakeholders. Founded in 1989, as a non-profit membership association, ACT Canada helps members understand market opportunities and barriers, public and private sector applications and technology. EMV-USA and ACT Canada take a non-partisan approach to all issues and facilitate cooperation among and between all stakeholder groups.

    For more information about ACT Canada and our members, please visit