EMV Cards Help To Prevent Fraud—But Encryption Might Be Better

Everyone knows that there is a major credit card fraud problem in the United States. But most people aren’t sure of exactly how large that problem is. While we all know about the large scale hacks and card fraud at retailers such as Target and Home Depot, most don’t know about how significant fraud is to the retail industry. The actual numbers are staggering—in 2014, retailers lost $32 billion alone. Almost all of the fraud is due to debit and credit cards, and weaknesses in the encryption of the payment transactions. Europay, MasterCard, and Visa, all of the major western credit cards, have worked together to create EMV cards, which are credit cards embedded with a microchip. This microchip allows the card to make secure, encrypted transactions. While this card has been called the solution to fraud prevention, there are many skeptics who think it will just cause fraud to shift to other parts of the system.

With the implementation of EMV cards, many skeptics believe that fraud will migrate from in-store to online and other channels, such as mobile. While EMV cards help to encrypt the initial transaction data, this data is sometimes unwrapped during the time the data is sent from point to point from the gateway to the eventual acquirer. EMV skeptics believe that the transaction data must be encrypted from start to finish, which will make it harder for hackers and identity thieves to steal valuable transaction data along the way. Also, while EMV cards are fairly secure, they don’t utilize new anti-fraud tools such as tokenization. Tokenization, which is utilized in Apple’s mobile payment system Apple Pay, assigns a random, encrypted value to each transaction.

Too often, businesses with “high risk” merchant accounts are told that their payment processing services will be more expensive, and that they will have fewer payment processing options. At eMerchantBroker.com, businesses don’t have any of those problems. All companies with EMB accounts get access to a variety of payment processing solutions, whether they are high risk merchant accounts or not. Your business should be able to get access to the services that it needs in order to be competitive. Make sure that your company can offer a host of different payment options for your customers. All companies need to be able to accept credit, debit, cash, checks, and other forms of payment.

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