EMV Migration in the USA

The biggest economy in the world is now making the switch to EMV chip cards. The security and convenience offered by EMV versus magnetic stripe cards is immense. We can help you with a smooth transition reducing risk, complexity, cost and time-to-market during your EMV Migration process.

The EMV Liability Shift - Are You Ready?

American Express, DiscoverMasterCard and Visa have outlined their roadmaps and deadlines for EMV in the USA. The first liability shift occured in April 2013. NMI (formerly Creditcall) is at the forefront of the U.S. EMV Migration effort. It is already working with U.S. hardware manufacturers to ensure that they have the critical Kernel Software to be EMV compliant, meaning U.S. payment terminals are capable of accepting EMV chip cards.

NMI's EMV Level 1 and Level 2 Software is already used in a broad range of terminals:

  • ATMs
  • Kiosks and IDs
  • Point of Sale (POS) Devices
  • Card Readers for Smartphones
  • Unattended Payment Systems ­ (parking, vending and transportation ticketing)

ChipDNA - the Simplest Way from A to EMV™

ChipDNA is a rapid EMV Migration SDK for Windows or Linux providing a pre-certified EMV Ready solution with a variety of attended and unattended PINpads that are certified and ready to go with a variety of Processors. For more details please visit our ChipDNA page or download our White Paper on everything ISVs, Integrators and VARs need to know about the U.S. EMV Migration.

EMV Experience and Reliability

Having helped usher in EMV in the UK, Canada, the Middle East, Africa and the European Union, NMI (formerly Creditcall) is ideally positioned to support the USA migration to EMV.

  • Over 14 years of EMV experience globally
  • 200+ first-time pass EMVCo certifications
  • Over 1 million Kernels deployed worldwide
  • 100% EMVCo first pass certification track record

Key Strategic Partners

A successful U.S. migration requires technology know-how and collaboration across the payments ecosystem. To ensure a smooth transition in the USA, NMI (formerly Creditcall) has set up Strategic Partnerships with key organizations, including EMV Migration ForumEMV Academy, as well as other critical user groups. This collaboration and exchange of information and know-how among EMV experts will enable a speedy transition to EMV in the USA.

EMV Software Offering

EMV Level 1 Software LibraryEMV Level 2 Kernels

The EMV Level 1 standard is a key global payment industry specification that defines the electrical, and physical interface between credit and debit cards and the payment terminal. It defines the software route that allows terminals to reliably communicate with cards.                   

The software that manages the transaction from card insertion through cardholder signature verification and online authorization is known as EMV Level 2 Kernel. Most card readers can be supplied with a Kernel from the manufacturer, however this is not always the best option.

EMVL1.LIB gives developers the tools they need to create a reliable, winning solution that cuts development time, and reduces costs.

NMI's EMV Level 2 Kernel range have been developed to suit most hardware platforms including WindowsEmbeddedJava and Contactless.


Have questions about EMV Migration?

Call us on free phone 800-868-1832 or simply fill in the contact form on the top right and we will get back to you shortly.