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Secure Technology Alliance Provides Recommendations, Best Practices for Implementing Fast, Convenient Contactless Payments

Consumers want payments to be faster, more secure, and seamless, and many stakeholders across the payments industry are looking to contactless payments as a way to meet these expectations. For merchants, issuers and processors considering contactless payments, the Secure Technology Alliance has released a new white paper that provides recommendations to implement, accept and process contactless payments successfully in the U.S.

The white paper “Contactless Payments: Proposed Implementation Recommendations,” can be downloaded at

“The recommendations and best practices included in this white paper address both the perceived and actual challenges of the payment industry in implementing contactless EMV payment – from POS configuration and deployment, processor integration, card issuer consideration and customer experience in the checkout lane,” said Randy Vanderhoof, executive director of the Secure Technology Alliance. “By addressing these concerns, the industry can acknowledge contactless as the next generation of payment technology, enabling greater checkout speed for merchants, providing a top of wallet advantage for issuers and creating a smoother deployment for processors.”

The white paper covers:

  • Contactless acceptance considerations for merchants and processors, including testing and certification requirements and best practices
  • Terminal-specific considerations for accepting contactless payments, such as terminal capabilities and enablement, and MSD contactless vs. EMV contactless support
  • A discussion of ROI for contactless issuance
  • Considerations for mobile payments, including CDCVM support, EMV payment tokenization, and wallet identification
  • Recommendations for open loop contactless payments in transit
  • Cardholder experience relating to different contactless form factors
  • Key topics and best practices for employee training and cardholder education

This white paper was developed by the Secure Technology Alliance Payments Council, whose primary goal is to inform and educate the market about the means of improving the security of the payments infrastructure and enhancing the payments experience. The group brings together payments industry stakeholders to work on projects related to implementing secured payments across all payment channels and payment technologies.

Payments Council members participating in the development of the white paper included: American Express; Cardtek; CPI Card Group; Discover Financial Services; Fiserv; G+D Mobile Security; Gemalto; GlobalPlatform; Infineon Technologies; Ingenico Group; Mastercard; Metropolitan Transportation Authority (MTA); MULTOS International; NXP Semiconductors; Philip Andreae & Associates; TSYS; Visa.

Additional information on the Payments Council can be found at

The Secure Technology Alliance’s 2018 Payments Summit, being this March in Orlando will discuss and analyze the latest industry trends with sessions on new developments involving EMV chip technology, contactless payments, e-commerce, faster payments, mobile wallets, wearables and emerging IoT payments, blockchain, the future transit contactless payment systems. To view the agenda and to register,

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