1. The Nilson Report #1085. May 2016
D-PAS is our chip card (EMV)-compliant smart-card payment solution for both contact and contactless payments. Our Discover Global Network cards are issued using D-PAS across all regions of the world.
Chip and Signature
Our U.S. chip-enabled cards will require signature after transaction2.
Chip and PIN
Many of our chip-enabled cards outside of the U.S. require a PIN after transaction2.
2. EMV: Lessons Learned and the U.S. Outlook, Aite Group, June 2014
You could be liable for fraudulent transactions if your chip-enabled terminals don’t process chip transactions. Here’s how to make sure you’re ready and protected.
Contact Your Processor
If you’re not sure, contact your processor about enabling your terminal to accept D-PAS.
Explain how to accept chip and signature vs. chip and PIN to all those processing transactions.
Be Aware of Other Fraud
Anticipate a likely shift to card-not-present fraud, specifically via the internet, mail order, and telephone.