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October 01, 2016

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CardFlight releases new data on EMV chip card usage in the U.S. at one year mark of shift in merchant liability

The CardFlight EMV Migration Tracker shows full year of data following the October 1, 2015 liability shift.

NEW YORK, Oct. 1, 2016 – CardFlight, a mobile point of sale (POS) technology provider, released the latest edition of their EMV Migration Tracker today, the 1-year anniversary of the October 1, 2015 liability shift. The EMV Migration Tracker shares the latest data and trends on EMV chip card usage among cardholders and merchants in the United States since the October 1, 2015 liability shift.

The data and trends shown in the latest CardFlight EMV Migration Tracker include:

  • 78% of cards now contain EMV chips, up from 46% in October 2015
  • American Express leads the way in EMV card issuance, with 96% of their cards now EMV-enabled.
  • 73% of CardFlight merchants are EMV-enabled, more than 2.5x the national average.
  • More than half (56%) of CardFlight transactions in September were EMV “chip on chip”, showing our success in leading consumers and merchants through the EMV migration.

The EMV liability shift that took effect on October 1, 2015 provided incentives for both issuing banks and card accepting merchants to upgrade to EMV chip card technology. The CardFlight EMV Migration Tracker assesses the impact of EMV chip card migration within the payments industry and serves as a resource for other companies to understand how the EMV migration changes their own businesses and the market overall.

“EMV card issuance grows 1% every 10 days,” said Derek Webster, Founder & CEO of CardFlight. “The importance increases every day for merchants to upgrade to EMV-enabled solutions to decrease their chargebacks and liability.”

CardFlight was one of first mobile payments providers to deploy EMV solutions in the United States, receiving their first approvals prior to the October 1, 2015 Liability Shift. The company has since then been certified with First Data, Global Payments, Stripe, and TSYS, and is continuing to invest in additional certifications. EMV chip card certifications have been an industry hot topic in payments as many point-of-sale providers have failed to get their certifications in time and turn on their chip card readers, which has resulted in a high number of disappointed merchants with growing liability pains and chargebacks.

The data presented in CardFlight’s EMV Migration Tracker released October 2016 comes from a sample of hundreds of thousands of transactions processed through the CardFlight payment gateway since the liability shift. These transactions occurred at thousands of merchants in all 50 states from October 2015 to September 2016.

The full version of the CardFlight EMV Migration Tracker can be accessed by visiting:

About CardFlight
CardFlight is a software-as-a-service company offering mobile payments technology and point of sale solutions to enterprises. We offer a Software Development Kit for developers to integrate payments acceptance in their existing app and SwipeSimple, a turnkey mobile solution for Independent Sales Organizations and Merchant Service Providers to offer to their merchants. Our technology platform is EMV chip card enabled with encrypted card readers, and a PCI Level 1 compliant payment gateway supporting all major U.S. processors.

As industry leaders, we take pride in building the latest mobile payments technology and establishing partnerships to enable more companies to accept mobile payments. We have partnered with 15 of the top 60 merchant acquirers in the U.S. and are currently working across a variety of verticals with companies like Artsy, Flywheel, Indochino, and Peloton, making mobile point-of-sale easy for our clients and their users. For more info, visit us at


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