Upfront Software can process EMV Chipcard transactions

What is EMV?

EMV is a payment method based upon a technical standard for smart payment cards and for payment terminals such as the Equinox and Ingenico devices.

EMV cards are smart cards (also called chip cards or IC cards) that store their data on integrated circuits in addition to magnetic stripes (for backward compatibility). These include cards that must be physically inserted (or “dipped”) into a reader, as well as contactless cards that can be read over a short distance using near-field communication (NFC) technology. Payment cards that comply with the EMV standard are often called Chip and PIN or Chip and Signature cards, depending on the authentication methods employed by the card issuer.

EMV originally stood for “Europay, Mastercard, and Visa”, the three companies that created the standard. The standard is now managed by EMVCo, a consortium of financial companies.

EMV enables safer and smarter transactions across contact and contactless devices, all of which are integrated within the UpFront system.

UpFront provides direct integration to the Equinox and Ingenico payment terminals and does not require any 3rd party software or middleware to accomplish an EMV Tender.


Protection and Security

Reduction in card-present card fraud resulting from counterfeit, lost and stolen cards.

Wider consumer support for your customers who use EMV chip cards for their payments.

EMV also provides interoperability with the global payments infrastructure – consumers with EMV chip payment cards can use their card on any EMV-compatible payment terminal.


The EMV chips generate a new number for every transaction, and therefore they make counterfeiting extremely difficult. The card is inserted into instead of swiped through a credit card reader.

Magnetic stripe credit cards is technology that has been in use on credit cards since the 1960s. The information stored on magnetic stripes is constant and doesnt change which is highly vulnerable to security hacks. If a magnetic card is used in a store that does not have EMV capability, the merchant will be liable for any fraudulent transactions.

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