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EMV Protection for Today’s ATMs
Chip-card technology helps authenticate payment cards and reduce counterfeit-card fraud. Ocean ATM can help you confirm compatibility, identify an upgrade path or replace an ATM that can no longer meet current requirements.
What EMV Does at the ATM
EMV—originally named for Europay, Mastercard and Visa—is the global chip-card standard used to create a more secure card-present transaction.
Authenticates the Chip
The ATM and card exchange protected transaction data that is significantly harder to counterfeit than static magnetic-stripe information.
Creates Unique Data
Each chip transaction uses changing security information, reducing the usefulness of payment data copied from a prior transaction.
Supports Compliance
An EMV-capable reader, compatible software and proper processor configuration work together to support chip-card acceptance.
How an EMV ATM Transaction Works
The chip remains engaged while the ATM, processor and card issuer validate the transaction.
Card InsertedThe reader recognizes the EMV chip.
Secure ExchangeThe chip and ATM exchange protected data.
Issuer AuthorizationThe request is securely routed for approval.
Transaction CompletedThe approved withdrawal is processed.
EMV Is Important—but It Is Not the Entire Security Plan
EMV is designed primarily to make counterfeit-card transactions more difficult. ATM owners should still use layered security practices.
- Inspect the card reader and fascia for signs of tampering.
- Protect customer PIN entry with proper placement and privacy.
- Keep ATM software and processing configurations current.
- Use secure passwords and restrict access to authorized operators.
- Report unusual equipment behavior or transaction activity promptly.
Chip + Software + Processing
A chip reader alone is not enough. The ATM hardware, software and processor configuration must work together correctly for EMV transactions.
Upgrade the Reader or Replace the ATM?
The best option depends on the ATM model, age, software support and availability of a compatible certified upgrade.
Compatibility and certification vary by ATM model, reader, software version and processor. Contact Ocean ATM before ordering an upgrade component.
Not Sure Whether Your ATM Is EMV Ready?
Have the ATM manufacturer, model and serial number available. Our team can help you determine whether to upgrade the existing machine or evaluate a replacement.
Or call (877) 538-2860
