Smart Card Alliance White Paper Addresses Impact of New Payment Innovations on Merchants and Consumers at Retail Stores


PARIS, Nov. 18, 2013 (GLOBE NEWSWIRE) -- CARTES Secure Connexions Event 2013 -- Smart mobile devices, NFC, the migration to secure EMV technology and other new payments approaches are bringing significant changes to the U.S. payment landscape, affecting how merchants accept in-store payments as well as how consumers interact with merchants to select and pay for products. The Smart Card Alliance Payments Council describes these new payment innovations and how merchants can best take advantage of them in-store in a white paper released today, "The Changing U.S. Payments Landscape: Impact on Payment Transactions at Physical Stores."

"As the industry progresses with secure EMV payments and new approaches that leverage mobile device technology, merchants faced with infrastructure changes and POS system upgrades must develop their strategy for deploying new technologies in-store," said Randy Vanderhoof, executive director of the Smart Card Alliance. "This white paper provides new information to help merchants understand key technology trends, advantages and disadvantages for acceptance, and consumer impact in order to make the best business decisions for implementing next-generation payment systems."

Available for free download at, the white paper provides:

  • An overview of new payment technologies and approaches that are being used for payment acceptance at physical stores, including NFC, mobile payment card readers (i.e., dongles), tablet POS devices, geo-location, 2-D barcodes, ACH payment, and remote ordering
  • Advantages and disadvantages of each payment innovation and their potential effects on the traditional payments landscape
  • Examples of solutions providers for each technology or approach
  • A discussion of the potential impact of solutions on consumer privacy, transaction security and the merchant POS process
  • An analysis of how EMV migration may affect implementation of new POS systems

The Smart Card Alliance and EMV Migration Forum are exhibiting at CARTES Secure Connexions Event 2013, booth 4L-123, this week through Nov. 21. Randy Vanderhoof, executive director of the Smart Card Alliance and executive director of the EMV Migration Forum, will be speaking on a panel "EMV in the USA - Why Now, Why this Way?" on Tuesday, Nov. 19 at 9:40 a.m. in room 503.

Additional resources from the Smart Card Alliance Payments Council can be found at:

White Paper Contributors

Participants involved in the development of the "The Changing U.S. Payments Landscape: Impact on Payment Transactions at Physical Stores" white paper included: Apriva; Capgemini; CH2M HILL; Chase; Connexem Consulting; CorFire; CPI Card Group; First Data Corporation; Gemalto; Giesecke & Devrient; Infineon Technologies; MasterCard Worldwide; NXP Semiconductors; Oberthur Technologies; OTI America; Quadagno & Associates; SHAZAM; TSYS; Valid USA; Vantiv; Visa Inc.; Xerox.

About the Smart Card Alliance Payments Council

The Smart Card Alliance Payments Council focuses on facilitating the adoption of chip-enabled payments and payment applications in the U.S. through education programs for consumers, merchants, issuers, acquirers/processors, government regulators, mobile telecommunications providers and payments service providers. The group is bringing together payments industry stakeholders, including payments industry leaders, merchants and suppliers, and is working on projects related to implementing EMV, contactless payments, NFC-enabled payments and applications, mobile payments, and chip-enabled e-commerce. The Council's primary goal is to inform and educate the market about the value of chip-enabled payments in improving the security of the payments infrastructure and in enhancing the value of payments and payment-related applications for industry stakeholders. Council participation is open to any Smart Card Alliance member who wishes to contribute to the Council projects.

About the Smart Card Alliance

The Smart Card Alliance is a not-for-profit, multi-industry association working to stimulate the understanding, adoption, use and widespread application of smart card technology.

Through specific projects such as education programs, market research, advocacy, industry relations and open forums, the Alliance keeps its members connected to industry leaders and innovative thought. The Alliance is the single industry voice for smart cards, leading industry discussion on the impact and value of smart cards in the U.S. and Latin America. For more information please visit


CONTACT: Megan Shamas Montner & Associates Tech PR 203-226-9290

Source:Smart Card Alliance