When it comes to migrating payment cards to EMV (particularly debit cards), the US has a few unique factors making chip cards more challenging, with diﬀerences such as the number of independent debit networks, the regulatory framework that requires that merchants have the option to choose from at least two unaﬃliated debit networks for processing debit transactions (Durbin amendment). EMV products from Multos International enable U.S. ﬁnancial institutions to issue credit and debit cards fully compliant with US Durbin amendment by supporting the data sharing as recommended by MasterCard and Visa in order to comply with it.
Our products use the “multi-access” feature, providing the ability to share all or part of application data between multiple entry points (or AIDs). This makes it faster and easier to issue cards supporting any of the payment networks, and since data sharing uses less memory space there can be cost savings compared to other platforms. Thousands of issuers in the US are already using the secure, ﬂexible MULTOS products for their EMV migration projects. Products are available to support SDA, DDA, and dual-interface, for all the payment brands.