I want to talk to you about something that confused me a lot back when I first started working with EMV transactions. If you are like me, when you hear the word cryptogram, it feels like something advanced or very…

When I first started working on EMV transaction processing, I remember feeling completely lost looking at those cryptic acronyms such as TVR, TSI and IAC. They looked like random three-letter codes, but every time something went wrong in an EMV…

I’ve spent a good part of my career dealing with EMV transactions. When I first got into this space, I thought EMV was just about encrypting card data and making sure the chip was harder to copy than a magnetic…

When I first started working on EMV transactions, one of the things that confused me the most was cardholder verification. I was so focused on getting the terminal to talk properly to the card, sending the right APDUs, and parsing…

I want to share something with you today that brought me a lot of headaches when I was working on my first contactless EMV implementation. If you’re diving into EMV transactions, especially building or testing somethink like a SoftPOS or…

When I first started working with EMV transactions, I used to wonder: what really happens the moment you tap or insert your card? On the surface it looks so simple, the card is near the terminal, something blinks, and then…

When I was building an EMV payment terminal for one of our retail clients a few years ago, one of the things I had to understand deeply was how the terminal figure out what application to use when a card…