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EMV Truths Made Simple

I hear it from businesses I get to serve.  I hear it from the news. We talk about in the office.  EMV is coming.  October 1 … everything changes. But even after months of planning, multiple email blog posts and emails, I find that there is still quite a bit of confusion about implications of the coming liability shift and what it means for the businesses who are already served by PayProTec. I wish I could sit down with all of you today and help you understand individually what exactly the EMV transition is going to look like for your business. Unfortunately, this isn’t feasible but I did want to sit down and write out a simple description of EMV and what it means to you. EMV Truths

  • There is no fine or fee if you are unable to process an EMV transaction
  • All EMV cards will still be able to swipe for the next few years
  • It is ONLY a liability shift on transactions when an EMV card that has been counterfeited is used; that takes place on October 1st.
  • If you have a lower average ticket and don’t ever have chargebacks now; you are at low risk.

Our own Josh Brown took all these truths and created a infographic that explains simply what the October 1st liability shift truly means.


At PayProTec we want to not just respond to present changes but we want provide solutions and programs that are ready for future changes.  We are about much more than providing a different terminal; we want to create a better and faster merchant and customer experience. In fact, we have begun packaging together two great products from Verifone, the VX520 and the VX805 pin pad, along with a stylish, customer facing stand to meet EMV needs.  However, our goal with this new package was not just to make sure our merchants have a EMV-ready equipment, we wanted to take a step back and start thinking about how we can help our business accept more and easier payments.




Beyond October 1   We are thinking past this October.  PayProTec wants to give you the options to give your customers on how they pay.  Whether it is with a swipe of a traditional card, inserting a chip card or using the phone with Apple Pay or Android Pay.  Our goal is to meet the security and payment desires of you and your customers.   If you have any questions regarding where your merchant account is in line for your upgrade options, please contact our Customer Relations Department at 1-800-360-2591, sign on to chat at or, or emailing us at   If you want to learn more about EMV, log into your Saltsha portal at and check out our EMV portion.   As you probably have heard, on October of 2015, Visa, MasterCard, and American Express are shifting over card-present liability to whoever is the least EMV-compliant party in a fraudulent transaction. This is to ensure that businesses provide a safer and more secure way for customers to pay. What does this mean for your business? If a fraudulent transaction were to happen at your place of business after October 2015 and you were NOT equipped with EMV technology, the cost of fraud would now fall back on you.   If you ever have any questions… Reach out to us.  You can call, email or chat with us.  We are here to help.

Keith Sampson

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