Shows
Payments on Fire™Episode 292 - Modern Authentication and the Impact on Payments Cost and Performance, with Amandeep Batra, Stripe and Dewald Nolte, EntersektThis episode is a follow-up to our 2024 discussion with Stripe and Entersekt on the use of 3-D Secure (3DS) in markets where strong customer authentication is not mandated, particularly the United States. That earlier conversation was grounded in Stripe's analysis of US 3DS transactions and explored a counterintuitive but important finding: when 3DS is deployed selectively in unregulated markets, its presence can become correlated with higher-risk transactions, limiting its effectiveness and in some cases negatively impacting authorization outcomes. Since that episode, several developments have occurred, including new analysis by Stripe examining 3DS usage and performance in markets...
2026-04-291h 15
The ID Talk PodcastID Tech Daily Digest Audio Edition - Thursday, March 26, 2026It’s time for today’s edition of ID Tech’s Daily Digest. Today, we bring you news from the Norfolk Constabulary, FIME, EMVCo, Wink, Vouched, NIST, Apple, Merseyside Police, the Government of Singapore, UPI, the Government of New South Wales, and the South Korean Government.
2026-03-2603 min
Clovertechの日刊デジマおしゃべりVisaが変える！EC決済の未来「Visaが“クリック決済”をEC向けにリリース！」すでにリアル店舗では、タッチ決済が50％以上の利用率を誇る中、今度はオンライン決済の利便性を大きく変える新機能が登場しました。今回Visaが発表した“クリック決済”は、あらかじめ端末にカード情報を登録しておけば、あとはパスキー認証（指紋や顔などの生体認証）だけでワンクリック決済が完了するというものです。しかもこの仕組みは、国際的なセキュリティ基準「EMVCo」に準拠しているため、2025年中にはVisa以外の国際ブランドでも国内ECで利用できるようになる見込み。
2025-07-0909 min
PaymentsJournalThe Connecting Thread: How PAR Values Can Mitigate Fraud and Supercharge Loyalty ProgramsWhen customers make purchases using Apple Pay or Google Pay—or enter their card info at online checkout—their sensitive data is protected by replacing it with a token. While this safeguards consumer privacy, it has also created a challenge: because the same card can be tokenized differently across multiple merchants, businesses are losing access to vital customer insights that could drive smarter marketing, stronger loyalty programs, and better fraud prevention.
In a recent PaymentsJournal podcast, Andrew Sjogren, Director of Product Marketing at IXOPAY, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, discussed a prom...
2025-05-0519 min
The PaymentsJournal PodcastThe Connecting Thread: How PAR Values Can Mitigate Fraud and Supercharge Loyalty Programs
When customers make purchases using Apple Pay or Google Pay—or enter their card info at online checkout—their sensitive data is protected by replacing it with a token. While this safeguards consumer privacy, it has also created a challenge: because the same card can be tokenized differently across multiple merchants, businesses are losing access to vital customer insights that could drive smarter marketing, stronger loyalty programs, and better fraud prevention.
In a recent PaymentsJournal podcast, Andrew Sjogren, Director of Product Marketing at IXOPAY, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, discussed a prom...
2025-05-0519 min
radiogeek#Radiogeek - Meta le quiere robar usuarios a TikTok - Nro 2624La guerra entre las redes sociales no termina nunca, y al parecer Meta no entendió que se levanto el bloqueo de TikTok, al menos por 75 días; y que va haber un acuerdo para que siga funcionando, y sin importar eso es que intenta comprar a creadores de la red social China para que publiquen en Instagram antes que en TikTok, pagandoles hasta USD 50.000 dólares, ademas; WhatsApp permitirá publicar automáticamente un Estado como Historia de Instagram o Facebook; Samsung confirma que la actualización estable de One UI 7.0 llegará pronto y como todos los días les solicita...
2025-01-2216 min
Ariel Marcelo Corgatelli#Radiogeek - Meta le quiere robar usuarios a TikTok - Nro 2624La guerra entre las redes sociales no termina nunca, y al parecer Meta no entendió que se levanto el bloqueo de TikTok, al menos por 75 días; y que va haber un acuerdo para que siga funcionando, y sin importar eso es que intenta comprar a creadores de la red social China para que publiquen en Instagram antes que en TikTok, pagandoles hasta USD 50.000 dólares, ademas; WhatsApp permitirá publicar automáticamente un Estado como Historia de Instagram o Facebook; Samsung confirma que la actualización estable de One UI 7.0 llegará pronto y como todos los días les solicitamos sus come...
2025-01-2216 min
Talking Payments with EMVCoHow to meet emerging payment trends in 2024What are some of the key emerging use cases EMVCo is exploring in 2024? And what is EMVCo's role in these new sectors, including Electric Vehicle (EV) open payments? In Episode 10 of Talking Payments with EMVCo, we are joined by Carey Ferro, Chair of the EMVCo Board of Managers, Arman Aygen, EMVCo’s Director of Technology, and Oliver Manahan, EMVCo's Director of Engagement and Operations.Listen now to learn about:Milestone achievements in 2023 and plans for 2024EMVCo’s work in EV payments, payment acceptance on mobile devices (TapToMobile), biometric on card and more.EMVC...
2024-03-2123 min
IBS Intelligence Global FinTech InterviewsEP669: Paying for EV charging – an open payments use caseArman Aygen, Director of Technology, EMVcoEMVCo facilitates testing and evaluation for compliance with EMV specifications – the technical requirements that are used to develop payment card products. In 2023 the company launched an EV Open Payments Task Force, aiming to work with industry stakeholders to explore how EMV payment technology could help support a secure and seamless EV charging payment experience around the world. Robin Amlôt of IBS Intelligence discusses this payments use case with Arman Aygen, Director of Technology with EMVco.
2024-02-0813 min
Practical Cybersecurity with Jen StoneEMVCo and PCI: How These Security Standards Support Each Other | SecurityMetrics Podcast 84PCI SSC takes great care in working with other key technical bodies, such as EMVCo. Arman Aygen (Master of Science (MSc) in Communication Systems from EPFL (École Polytechnique Fédérale de Lausanne), MSc in Multimedia Communication Systems from EURECOM, and Bachelor of Science (BSc) in Micro Engineering from EPFL), Director of Technology, EMVCo, and Andrew Jamieson, VP, Solutions, PCI Security Standards Council, sat down with Host and Principal Security Analyst Jen Stone (MCIS, CISSP, CISA, QSA) at PCI Community Meeting Europe to discuss:The mission of EMVCo and its key technical initiativesHow...
2023-12-0821 min
Payments on Fire™Episode 227 - EMVCo: A Textbook Example of Collaboration with Oliver Manahan, EMVCoWhat if every time you went to pay for something at a store, the clerk behind the counter had a different terminal for each card network - one for Visa, another for American Express, and a few others for local domestic networks? That was what much of the world was like decades ago - and it still is a bit like that in some countries today. But in 1999, collaboration entered the picture when Europay, Visa, and Mastercard came together to create a common specification for Chip and PIN so that any chip-enabled card could be read from any chip...
2023-11-291h 01
Coffee with the Council By PCI Security Standards CouncilCoffee with the Council Podcast: EMVCo and PCI SSC Present: A Discussion on Mobile Payments
Today I'm joined by my co-host for the day, Director of Communications, Simon Kleine, at EMVCo. And we're having a conversation with Arman Aygen, Director of Technology at EMVCo, and PCI Security Standard Council's VP of Solution Standards, Andrew Jamieson. Today, we're going to be talking about the valuable partnership and collaboration between EMVCo and PCI SSC. We're going to take a deeper dive into mobile payments, including Tap to Mobile, and also PCI SSC's MPoC standard. Let's kick off by taking a moment to explain the relationship between our two organizations, EMVCo and PCI SSC.
2023-11-2731 minTalking Payments with EMVCoHow are EMVCo, PCI SSC and NFC Forum Supporting Payment Acceptance on Mobile Devices?How do EMVCo and PCI SSC collaborate? What is TapToMobile and MPoC*? What are the opportunities and challenges of mobile payment acceptance?In Episode 9 of Talking Payments with EMVCo, Arman Aygen, EMVCo’s Director of Technology, is joined by Andrew Jamieson, VP, Solution Standards at PCI SSC, to answer these questions and more, discussing how the organisations are helping to facilitate seamless and secure payment acceptance on mobile devices.We’re also joined in this episode by Mike McCamon, Executive Director at NFC Forum, to explore the opportunities and challenges in contactless payment acce...
2023-11-2731 min
Payments on Fire™Episode 226 - From the Vault: Talking EMV in the USA (Episode 16)Debit routing - once again, all the rage. On July 1, 2023, the US Federal Reserve's clarification on Reg II went into effect. The clarification confirms that Reg II - which required unaffiliated debit network routing as part of the Durbin Amendment - also applies to CNP environments. What were we thinking in 2015 when debit routing at POS, contactless payments, and chip and PIN were "of the moment"? What lessons can we glean from a conversation then that apply now? We've pulled Episode 16 from our vault to find out. We hope you enjoy this far-reaching d...
2023-11-1538 min
Voice of MPENew frontier for payments - Gaming & Gambling- Gaming and gambling, are they the same? Do they face the same challenges?- How can we prevent fraud without impacting the gaming experience?- What can be done to ensure open banking is safe for gaming and gambling?MPE 2023 conference speakers: Brittany Allen / Sift, Stephen Winyard / Salt Edge, Arman Aygen / EMVCo, and Christian Reinheimer / LeoVegas Group in a discussion hosted by great Claire Maslen / Consult Hyperion debate the challenges faced by video game, iGaming merchants and vendors, as well as the types of fraud targeting iGaming and gambling...
2023-09-1340 minTalking Payments with EMVCoWhat's New from EMVCo in 2023?Looking for a quick preview of EMVCo priorities and upcoming developments? Tune into this episode with Jonathan Main, Chair of EMVCo’s Board of Managers, Arman Aygen, Director of Technology, and Oliver Manahan, Director of Engagement and Operations for their insights on:Evolving EMV® Chip – Topics include EMV Contactless Kernel testing, Elliptic Curve Cryptography and post-quantum cryptography. Addressing changing payment preferences – Topics include mobile, wireless technologies and UWB.Promoting seamless and secure e-commerce payments – Topics include EMV 3DS v2.3.1 testing, evolving EMV Secure Remote Commerce (EMV SRC), EMV Payment Tokenisation use cases, and browser privacy requ...
2023-03-0230 minTalking Payments with EMVCoA Closer Look at the EMV® Contactless Kernel SpecificationIn this episode of Talking Payments with EMVCo, explore the rapid increase in contactless payments worldwide and the recently published EMV® Contactless Kernel Specification. Hear directly from EMVCo Associates, including Consult Hyperion, the Merchant Advisory Group, Nets, Square and Verifone, on how an EMV Contactless Kernel will impact contactless payment acceptance. EMVCo Directors, Simon Kleine, Brian Byrne and Arman Aygen respond to industry reactions and discuss the evolution and significance of the specification, key features, and what to expect next. www.emvco.com │ EMV® Insights │ LinkedIn │ X │ An Introduction to EMVCo │ YouTube
2022-12-2032 minTalking Payments with EMVCoEMV® Chip: Evolution, Security & ApprovalsIn this episode of Talking Payments with EMVCo, we explore the role and history of EMV® Chip and chart its evolution into a technology now found in 12 billion payment cards worldwide. We hear from Michael Ward, Chair of the EMVCo Security Working Group, on how and why EMVCo is bringing Elliptic Curve Cryptography to chip-based payments; learn more about the EMV Contactless Kernel specification in development; and hear from Jonathan Main, Chair of the EMVCo Board of Managers, about the evaluation and approvals process that EMVCo oversees, including Level 1 and Level 2 testing. www.emvco.com │ EMV® Insights │ LinkedI...
2022-08-0237 min
ARCOT INTELLIGENCE | 3-D Secure in the AI EraThe Arcot Network, OOB Authentication Enhancements, EMVCo Protocol UpdatesIn this edition, we share updates including EMVCo and 2.3.1, the Arcot Network strategy, and continue our celebration of 25 years of Arcot. With PSD2 and the FCA mandate now fully in force, we continue our focus on optimization; leveraging the Arcot Authentication scorecard to drive higher CSR, ASR, and fight fraud. In addition, Arcot’s enhanced APIs and connectivity create opportunities for deeper integration, leveraging the Arcot Network to score transactions beyond 3DS. Hope you enjoy this edition!
2022-06-2030 minTalking Payments with EMVCo2021 in review and looking to 20222021 was another year of change and transition for payments. The ongoing impact from the pandemic has resulted in a continuous shift towards touchless payments in-store and an acceleration in the growth of online purchases. EMV® specifications remain integral to online and offline commerce. Its contactless specifications continue to enable a safe, touch free option when in store. EMVCo has also made significant enhancements to the EMV 3-D Secure specifications to enable seamless and secure transactions. The organisation is also working to standardise emerging payment types such as QR Code™ and wireless technologies. In the latest episo...
2022-03-1021 minTalking Payments with EMVCoEMV® 3DS 2.3: Fighting Fraud and FrictionFighting payment fraud and checkout friction is key to businesses delivering a safe and convenient e-commerce experience for their customers.EMV® 3-D Secure (EMV 3DS) provides a way to identify fraudulent card payments more quickly and accurately, so that issuers and e-commerce merchants can prevent fraud without disrupting the purchase process, and consumers can expect a safe and easy checkout experience every time.In October 2021, EMVCo released the latest version of the specification – EMV 3DS 2.3 – to improve fraud fighting capabilities for issuers, acquirers and merchants and optimise the consumer payment experience across e-commerce channels and devic...
2022-02-1721 minTalking Payments with EMVCoEMV® QR Code Payments: Supporting Fast, Touchless Transactions WorldwideAccelerated by the pandemic, in-store consumer payment preferences have shifted towards touchless options. One solution experiencing growth in recent years is QR Codes, which have increasingly been used to initiate fast and easy touchless mobile payments at the point-of-sale. In the latest episode, Simon Kleine (Director of Communications), Brian Byrne (Director of Engagement and Operations) and Bastien Latge (Director of Technology) explore the rise of QR Code payments and how the EMV® QR Code Specifications enable quick, reliable and trusted transactions for both merchants and consumers. Bastien also speaks to Johan Buitendag, Strategy and Research Manager at th...
2021-10-1327 minTalking Payments with EMVCoHow to Realise the Potential of Online CommerceAs global economies increasingly digitalise, with profound shifts in consumer behaviour and the ongoing impact of the pandemic, the payments industry is seeing rapid and unprecedented growth in the number and diversity of online transactions.In the second episode of Talking Payments with EMVCo hosted by Simon Kleine (Director of Communications), Brian Byrne (Director of Engagement and Operations) and Bastien Latge (Director of Technology) discuss the challenges and opportunities posed by the growth of online commerce, and how EMV® Specifications have evolved beyond EMV chip to enable reliable and convenient online payments globally.www.emvco.c...
2021-07-0119 min
Talking Payments with EMVCo2021 and Beyond…In this first episode, EMVCo’s Director of Communications, Simon Kleine, speaks with Brian Byrne, EMVCo’s Director of Engagement and Operations, and Bastien Latge, EMVCo’s Director of Technology, to find out more about EMVCo’s plans for 2021 and the near future. They also look at the impact of the COVID-19 pandemic and the resulting growth of contactless and remote transactions.www.emvco.com │ EMV® Insights │ LinkedIn │ X │ An Introduction to EMVCo │ YouTube
2021-04-0121 min
Nieuwe KnikkersTokenization en Click to Pay, alle ins en outs verteld door MastercardTokenization is een onderwerp dat regelmatig voorbij komt bij de Nieuwe Knikkers. Deze keer schuift Hugo Reijkens, Director Digital Payments aan en legt uit hoe Mastercard met tokenization betalen veiliger en tegelijkertijd gemakkelijker wil maken. We praten over hoe de onboarding voor consumenten er uit ziet en de rol die de bank hierin speelt. Ook bespreken we Click to pay, de nieuwe online betaalmethode van de samenwerkende partijen in EMVco, waaronder, naast Mastercard, onder andere ook Visa en American Express. Hoe werkt deze betaalmethode en waarin verschilt hij bijvoorbeeld van ons Nederlandse iDEAL. Tot slot vragen we Hugo hoe...
2020-12-1834 min
Payments on Fire™Episode 93 - Fitting QR Codes into the Card System - Bastien Latge, EMVCoEver wonder about EMVCo's role in the development and implementation of its technical specifications? Take a listen to Bastien Latge, EMVCo's director of technology and Glenbrook's George Peabody as they discuss EMVCo's EMV®* QR Code Specification for QR code-based transaction initiation in the card system. While developed card markets are shifting to contactless cards and NFC-using mobile phone wallets to kick off payments, the QR code offers a flexible, very low cost alternative. There's a lot to learn here. Most of us are familiar with QR codes to retrieve product information from websites or print media, or pe...
2019-05-1733 minPayments on Fire™Episode 55 - 3D Secure and the IoT - CardinalCommerceThe Internet of Things may be a hot topic but its security isn't hot at all. Up until recently, IoT device manufacturers and buyers haven't cared much about security, a disinterest that's led to over one hundred thousand surveillance cameras being hijacked by Mirai botnet malware. While cameras aren't making or accepting payments (yet) it's easy to imagine automobiles paying for tolls and fuel directly. If it's not my Roku box, maybe it's Alexa or Google Home that makes payments on my behalf over the IoT. The payments industry is working to get out in front of this potential trouble. EM...
2017-07-2437 minPayments on Fire™Episode 46 - 3D Secure, Visa, and CardinalCommerceOne of last year's most anticipated advances in fraud management was the final release of EMVCo's 3D Secure 2.0 protocol specification. Designed to take a risk-based approach to authorization and lower the checkout friction of its predecessor, 3DS2 will be a new tool in the growing anti-fraud arsenal. One of its supporters and a service provider that's been closely tied to 3D Secure is CardinalCommerce. Cardinal, now a new addition to Visa's arsenal with its recent acquisition, has been working with the risk-based approach for quite awhile. Take a listen to Visa's Mark Nelson and Mike Keresman and Ti...
2017-01-0431 minPayments on Fire™Networks Put Their Money on Checkout for MobileAnyone even vaguely conscious during Sunday afternoon football games has seen adverts for Visa Checkout, that shopping cart checkout assistant the card network is encouraging everyone—cardholders, issuers, and merchants—to adopt. Visa is not alone. MasterCard’s MasterPass and American Express Checkout are similar product offerings all meant to add convenience and security to the merchant’s checkout flow.
These checkout assistants—you could even stretch the definition a bit and think of them as wallets—use the payment tokenization specification from EMVCo. But as products from competitive networks, each has unique attributes, never mind its own APIs spe...
2016-01-1823 minPayments on Fire™PoF 22 - Ethoca and the Power of Data CollaborationThe domain of point of sale (POS) has three legs to its security stool: EMV, point to point encryption, and card number tokenization. Card not present (CNP) merchants and issuers have the more challenging task of assembling fraud mitigation tools on their own. The networks have had, until EMVCo’s move into payment card tokenization, not much more than 3D Secure to offer. Merchants and card issuers have a lot of transaction and fraud data and when that data gets shared, improvements are possible. That’s what Ethoca is about. Its growing network of merchants and issuers share their fraud...
2015-07-2119 min
Down the Security Rabbithole Podcast (DtSR)DtR Episode 119 - NewsCast for November 17th, 2014Note: The hashtag for the show on Twitter has changed, please connect with us using #DtSR going forward. Thanks! Topics coveredUpdate: Home Depot breach (Hint: apparently it was a 3rd party entry point)Story: http://www.computerworld.com/article/2844491/home-depot-attackers-broke-in-using-a-vendors-stolen-credentials.htmlApparently as a reaction, all execs are being switched to iDevices (blame Windows? and why only execs?) - http://www.imore.com/home-depot-switches-execs-iphones-macbooks-it-blames-windows-massive-breachAlso, they lost ~53 Million email addresses too - http://online.wsj.com/articles/home-depot-hackers-used-password-stolen-from-vendor-1415309282American Express is pushing tokenization to their payment ecosystem, this is big news but leaves a lot more que...
2014-11-1741 min
Backpacking Light Magazine PodcastsDtR Episode 119 - NewsCast for November 17th, 2014Note: The hashtag for the show on Twitter has changed, please connect with us using #DtSR going forward. Thanks!
Topics covered
Update: Home Depot breach (Hint: apparently it was a 3rd party entry point)
Story: http://www.computerworld.com/article/2844491/home-depot-attackers-broke-in-using-a-vendors-stolen-credentials.html
Apparently as a reaction, all execs are being switched to iDevices (blame Windows? and why only execs?) - http://www.imore.com/home-depot-switches-execs-iphones-macbooks-it-blames-windows-massive-breach
Also, they lost ~53 Million email addresses too - http://online.wsj.com/articles/home-depot-hackers-used-password-stolen-from-vendor-1415309282
American Express is pushing tokenization to their payment ecosystem, this is big news but leaves a lot mo...
2014-11-1741 min
りんごは踊る、されど並ばず。54回～【後編】Apple Pay を徹底解説 ～りんごは踊る、されど並ばず。 #narabazu後編では Apple Pay のバックボーンを支える技術について解説していきます。
クレジットカード不正利用に悩むカード発行会社と国際ブランド。iOSによるさらなる囲い込みを狙うApple。
両者の利害がガッチリと組み合わさり、新しい仕組み、新しいハードウェアが機能し始めます。
参考リンク
MasterCard、「Apple Pay」のバックエンドで利用される技術を説明 -INTERNET Watch
Apple Payによる決済の安全性を高めるMasterCardの「MDES」とは？ | pcidssサービス紹介サイト ペイメントワールド
EMVCo
【モバイル決済】、ウォルマートなどＭＣＸ加入11万店で使える決済アプリのカレンシー！:激しくウォルマートなアメリカ小売業ブログ
クレジットカード申込み審査Navi | クレジットカード業界の仕組み
2014-10-2634 min
Chaos Computer Club - archive feed (high quality)A Rambling Walk Through an EMV Transaction (29c3)With Visa and Mastercard pushing for EMV (http://www.emvco.com, aka “chip and pin”) rollout in the United States, the uptake of contactless payment and the use of mobile NFC wallets, the chipcard security community will soon be getting more eyes to analyze the protocols in use with chip and contactless credit card transactions.
about this event: http://events.ccc.de/congress/2012/Fahrplan/events/5237.en.html
2012-12-2959 min