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EMV Migration Consulting

As an Acquirer, Issuer or Processor, you may be aware of the impending EMV migration deadline and are busy preparing yourself for it, as is the entire industry. What a lot of financial institutions do not realize is that the entire extent and scope of this migration often supersedes any preparation. You may not have the time, the adequate specialization or knowledge to implement your project by yourself. Upgrading to an EMV network is not an easy or simple task it becomes an extremely complex activity since cards, ATMs, POS devices and payment back-office systems all need fundamental changes.

In our experience we have found that a typical Issuer or Acquirer, will have 45-50 independent and correlated projects and the entire migration can take up to 5 years. Not to mention an investment that runs into multi-million dollars.

At Quatrro, we understand the complexities, the processes and the expertise that goes into migrating to an EMV environment. Whether you are at the start of your implementation or in the middle of it, we can guide you through each stage of your EMV journey.

  • Specifications of cards that will need to be purchased from vendor
  • The process of preparing EMV personalization data
  • The process of preparing Card Profile data
  • Terminal and ATM upgrades and changes
  • The upgrades are needed to support for EMV personalization and card production
  • The upgrades needed to the security systems and HSMs for RSA data certificates to support DDA or CDA personalization
  • Examine current card designs and explain the problems that may be encountered
  • The changes that may be needed to cardholder and merchant, contracts, terms and conditions and application forms
  • How do the EMV changes fit in or support NFC, Mobile and work with systems like Apple Pay
  • Discuss the marketing material needed for launch (press/PR/Consumer)
  • Disputes and Chargeback Processing Rule changes to support EMV transactions
  • Definition of the changes and certification needed for online authorization and offline card scheme clearing and settlement interfaces
  • Definition of the simulator’s required for testing and certification to Issuer and Card Scheme systems
  • Define the options for a quality control personalization test tool
  • Changes to debit / credit / ATM card support systems and forward monitoring
  • Internal Staff Training in EMV
  • Merchant and Cardholder Training
  • Risk and Fraud requirements for the FI


Acquirer Solutions


SupportSome of the Potential Projects
  • An analysis and definition of all of the projects needed to support full EMV migration for Acquirers
  • Testing of all Terminals , ATMs and Acquirer software solutions using test tools to prove they comply to Scheme
  • Support during certification
  • Training of key staff or trainers
  • Terminal and ATM upgrades and certification
  • Additional applications on the terminal
  • Software systems supporting terminals and routing upgrade
  • Merchant account system upgrades
  • Security solutions
  • Fraud monitoring
  • Processes and Procedures
  • Merchant training and customer service processes
  • Merchant Contracts update
  • Training of staff

Issuer Solutions


SupportSome of the Potential Projects
  • An analysis and definition of all of the projects needed to support full EMV migration for Issuers
  • Testing of all Cards and Issuer software solutions using test tools to prove they comply to Scheme certification
  • Support during certification
  • Training of key staff or trainers
  • Card production upgrades and certification
  • Additional applications on the card
  • Software systems supporting cards and routing upgrade
  • Card account system upgrades, Card Management and Retail Banking systems
  • Security solutions
  • Fraud monitoring
  • Processes and Procedures
  • Customer education and customer service
  • Cardholder Contracts update
  • Training of staff

For more information about our card processing solutions, please email to: info@quatrroprocessing.com