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EMV Migration Tracker

April 2016

EMV Migration Tracker – April ’16

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 it will change their own businesses and the market overall.

The data presented 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 February 2016.

All merchants, including those without EMV solutions, have been included in the data to better represent the cards being presented regardless of the merchants’ choice to upgrade to an EMV solution. The data demonstrates to merchants and merchant acquirers how exposed they are to EMV-related chargeback liability. The analysis of actual transactions run through our gateway, and the weighting of percentages based on that, allows this analysis to exclude inactivated or dormant cards and be more representative of cards that are actually in use.

Here are some samples of the new statistics about the rollout of EMV chip card technology in the United States based on real data captured from the CardFlight gateway:

  • 56% percent of cards in use in February contained EMV chips, up from 46% in October 2015
  • American Express leads the way in EMV chip card usage, with over 88% of their cards containing EMV chips
  • CaliforniaFlorida and Arizona lead the way in EMV issuance, with over 60% of cards in use in those states containing EMV chips
  • Some industry verticals see at least 75% of cards presented containing EMV chips, putting those merchants at highest risk for EMV-related chargebacks if they have not upgraded

For full access to the data – Download the EMV Migration Tracker

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