EMV Migration Forum Offers Solution for Debit Card Transition

This framework addresses the fundamental challenge faced by the U.S. debit payments industry: how to implement EMV for debit cards with the flexibility to meet compliance guidelines established by the Federal Reserve.

The EMV Migration Forum is providing the U.S. debit payments industry with help towards the EMV chip technology with the release of a technical EMV debit framework, according to a press release.

"The solution provides an approach for the debit card processing scenarios we know of today, so debit industry organizations can continue on the way to chip implementation with confidence," Randy Vanderhoof, director of the EMV Migration Forum said. "Overcoming chip migration challenges impeding faster adoption is a priority for the EMV Migration Forum, and the release of this technical proposal reflects the expertise, commitment and collaboration of our cross-industry membership over the last several months."

The technical proposal includes:

  • A description of the challenges with EMV debit implementation
  • Key stakeholder expectations for the EMV debit solution
  • A proposed approach to meet current regulatory requirements and accommodate potential future requirements known today
  • The transaction flow, messaging implications, acquirer routing guidelines and POS acceptance considerations for the proposed EMV technical solution

Those who are interested in adopting this EMV debit solution can use the framework to build their own detailed specifications. The company asks industry stakeholders to work with their vendors and payment brand partners on implementation questions.


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The September 2020 Leveraging The Digital Banking Shift Study, PYMNTS examines consumers’ growing use of online and mobile tools to open and manage accounts as well as the factors that are paramount in building and maintaining trust in the current economic environment. The report is based on a survey of nearly 2,200 account-holding U.S. consumers.

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