EMV Solutions

As a leading provider of integrated credit, debit and prepaid debit card solutions in North America, we are well positioned to support our customers in the U.S. market conversion to EMV. We serve our customers through a network of nine production and personalization facilities, including seven PCI-compliant high-security facilities in North America, which are each certified by one or more of the card payment brands.

Over the past several years, we've made significant investments in our physical infrastructure and equipment platform to prepare for the EMV conversion, including opening a dedicated EMV technology center in Colorado for EMV production and personalization and upgrading our information technology, human capital and equipment across our network of facilities. We now have the largest EMV production capacity and redundancy in North America.

Our portfolio of EMV solutions is designed to provide flexibility and choice, serving small, mid-sized and large financial card issuers without compromising quality or service.

Key Features

  • Best in class network of partners for chip manufacturing and software development, allowing us to provide comprehensive and flexible products that cater to a wide variety of customer needs.
  • The latest in flash technologies from Infineon, NXP and Samsung, bringing increased speed while delivering industry-approved security.
  • Choice of contact and dual-interface chip cards with variable memory sizes and multi-application capabilities.
  • EMV chip options including six and eight contact in gold or silver.
  • State-of-the-art manufacturing, personalization and fulfillment capabilities.
  • Key Management Portal to facilitate master key and work key exchanges between you and our manufacturing or card personalization centers.
  • Instant issuance solutions for large and small financial institutions.
  • Custom Card Production Life Cycle (CPLC)
  • Seven PCI-compliant high-security facilities in North America, each certified by one or more of the card payment brands — Visa, MasterCard, American Express, Discover, and Canada's Interac

Facts on EMV in the U.S.

  • 575 million EMV cards will be issued by the end of 2015.
  • 59% of retail locations will be EMV-compliant by the end of 2015.
  • 78,800 merchant locations are currently EMV chip-activated.
  • 40% of US. debit cards will be issued as EMV cards by the end of 2015.
  • 70% of U.S. credit cards will be issued as EMV cards by the end of 2015.
  • 86% of financial institutions plan on issuing EMV debit cards in the next two years.

Sources: Javelin Research & Strategy, Aite Group, 2014 PULSE Debit Issuer Survey

The U.S. EMV Conversion

In 2012, American Express, Discover, MasterCard and Visa announced their plans to migrate to a chip-based payments infrastructure in the U.S. — one of the last major global markets to do so. The migration to EMV is now well underway, with approximately 120 million cards already issued in the U.S. and over 575 million expected to be issued by the end of 2015, according to Smart Card Alliance estimates.

The biggest benefit of EMV is the reduction in card fraud resulting from counterfeit, lost and stolen cards. EMV also provides interoperability with the global payments infrastructure and supports enhanced cardholder verification methods. Unlike magnetic stripe cards, EMV payment cards can also be used to secure online payment transactions.

CPI is supporting many of its existing financial card customers through the migration, and has already manufactured immense volumes of EMV chip cards for the U.S. market. Since 2012, CPI has made significant investment in its EMV capabilities in the U.S., with a focus on building out its manufacturing and personalization capacity. CPI's domestic EMV manufacturing capacity today stands at over 400 million per year, the largest capacity in the market.

Contact vs. Dual-Interface

So far, most EMV cards issued in the U.S. have been Contact EMV cards. Globally, Dual-Interface EMV cards, which also enable contactless payment, are gaining popularity thanks to their speed and convenience. As the U.S. market migrates to the EMV standard, Dual-Interface EMV cards will, likely, also increase in popularity relative to Contact EMV cards.










Full Service Offer

We offer a complete end-to-end EMV solution to our customers, from consultation and education to delivery of a fully personalized EMV card program for your cardholders:

  • Project Management
  • Key Management
  • Card Production
  • Personalization & Fulfillment
  • Instant Issuance
  • Mobile Solutions
  • Design Services

Key Management Portal

CPI's Key Management Platform facilitates master key and work key exchanges between you and our manufacturing or card personalization centers. Managing all the keys involved with an EMV card project is no longer an issue; our platform gives you a clear, easy-to-use tool to enter key information, approve exchanges, and track status of key ceremonies. We keep your projects on-time by automatically notifying you of pending and completed activities.

Chip Complete™

Chip Complete™ is a turnkey solution for small and mid-sized financial institutions migrating to EMV chip cards. It includes all of the elements needed to launch an EMV chip card program including a step-by-step guide covering everything from product training to card issuance. To get started, just load the USB key within Chip Complete™ to unlock all necessary steps from our EMV experts, including: EMV 101 and Product Training, Product Specifications, EMV Chip Choice and Personalization Profile, Card Design, Key Management and Process Information, Personalization Guides, and Card@Once® Instant Issuance.