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December 16, 2015

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CardFlight Publishes New Trends on EMV Chip Card Usage in the U.S Market

NEW YORK – Dec. 16, 2015 – CardFlight, the leading provider of mobile point of sale and mobile payment technology, published today the CardFlight EMV Migration Tracker. The report includes new and never-before-published analysis of EMV chip cards being used in the United States since the October 1 liability shift.

While EMV chip card technology has been implemented in Europefor more than a decade, the rollout of EMV in the U.S is just beginning. The most visible milestone in this rollout came earlier this year with the October 1 liability shift, meaning that merchants who have not upgraded to accept EMV chip card transactions can become liable for counterfeit card fraud losses that occur at their stores with chip-enabled cards. This is an early step in an ongoing process that the Payments Security Task Force predicts will lead to 98 percent of U.S. credit and debit cards containing EMV chips by the end of 2017.

“Much has been written in the press about EMV chip cards, many U.S. cardholders have received cards with EMV chips on them, and many merchants have deployed EMV- ready payment terminals,” said Derek Webster, Founder and CEO of CardFlight. “Very little hard data has been published about the real world use of EMV chip card technology in the U.S. Most published statistics rely on surveys, individual anecdotes or forecasts rather than real transactional data.”

The analysis relies on data from actual cards in use, the so called “top of the wallet cards”, and not plastics that are issued and never used. Data comes from hundreds of thousands of transactions processed through the CardFlight gateway by merchants in all 50 U.S. states, making it representative of the cards in use in the United States.

The CardFlight EMV Migration Tracker shows new data and insights, including:

  • Over 50% of all cards in use now have EMV chips on them. From October to November, the percent grew 5% as banks and card issuers accelerated their rollout of new chip cards.
  • Over 83% of American Express cards have EMV chips, while Discover lags at 40%
  • Over 63% of the cards used in Hawaii have EMV chips, but Mississippi sees just 11% penetration of chip cards.

Full coverage of the analysis can be accessed by downloading the CardFlight EMV Migration Tracker at

About CardFlight:
CardFlight is a leading provider of tools and technology to help merchants accept in-person credit card payments on iOS and Android devices. We offer developer tools and software developer kits that allow retailers and vertical solution providers to easily build their own custom POS software. Additionally, we offer SwipeSimple, a turnkey mobile application that helps merchant service providers, banks, and other financial institutions offer a mobile point-of-sale solution to their customers, without having to build their own technology from scratch.

Our technology platform also includes encrypted card readers and a PCI Level 1 compliant payment gateway that supports over 20 different processors, to provide clients with complete mobile payments and mobile POS (mPOS) solutions.

CardFlight is one of the first payments technology providers to bring EMV chip card acceptance to smartphones and tablets in the US market. The company received its first EMV approvals and certifications prior to the October 1 liability shift and is helping lead the way in the migration to EMV chip card technology in the United States.

For more information on CardFlight, visit

Media Contact:
Filippa Noghani
516 472 8808

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