Publication Date: October 2015

• Download the white paper
• Listen to instant issuance webinar

As financial institutions continue to transition to new models of card issuance, the financial industry has developed solutions to personalize these cards in-branch.  With the global adoption of EMV chip technology, chip cards are significantly more expensive, and the personalization of chip cards has become more complex.  It is no longer a simple process of embossing characters on the front face of the card, printing data on the back of the card, encoding the magnetic stripe with static track 1 and track 2 data, applying tipping foil to the embossed characters and, in some cases, using a four-color printing process to apply images to the front face of the card.

Issuing an EMV chip card involves the enrichment and preparation of chip data as well as cryptographic functions utilizing a series of keys essential to the authentication, verification, and authorization capabilities enabled by EMV.  In order to support this added complexity instant issuance systems must be upgraded to support the specific data requirements of the chip card, its operating system, and the applicable loaded applications.

This white paper was developed by the EMV Migration Forum to summarize industry-recommended best practices when transitioning a financial institution’s existing instant issuance solution to an EMV chip instant issuance program.  The white paper includes:

• Key risks and suggested risk mitigation steps
• Key considerations during each of the planning, development and go live phases
• Sample timeline for an instant issuance project
• Payment network references on instant issuance

About the EMV Migration Forum

The EMV Migration Forum is a cross-industry body focused on supporting the EMV chip implementation steps required for global and regional payment networks, issuers, processors, merchants, and consumers to help ensure a successful introduction of more secure chip technology in the United States. The focus of the Forum is to address topics that require some level of industry cooperation and/or coordination to migrate successfully to chip technology in the United States. For more information on the EMV Migration Forum, please visit http://www.emv-connection.com/us-payments-forum/

Please note: The information and materials available on this web page (“Information”) is provided solely for convenience and does not constitute legal or technical advice. All representations or warranties, express or implied, are expressly disclaimed, including without limitation, implied warranties of merchantability or fitness for a particular purpose and all warranties regarding accuracy, completeness, adequacy, results, title and non-infringement. All Information is limited to the scenarios, stakeholders and other matters specified, and should be considered in light of applicable laws, regulations, industry rules and requirements, facts, circumstances and other relevant factors. None of the Information should be interpreted or construed to require or promote the establishment of any solution, practice, configuration, rule, requirement or specification inconsistent with applicable legal requirements, any of which requirements may change over time. The U.S. Payments Forum assumes no responsibility to support, maintain or update the Information, regardless of any such change. Use of or reliance on the Information is at the user’s sole risk, and users are strongly encouraged to consult with their respective payment networks, acquirers, processors, vendors and appropriately qualified technical and legal experts prior to all implementation decisions.