FAQs: What You Need to Know for Your EMV Migration

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Financial institutions across the U.S. are developing their EMV migration plans.

EMV has taken the U.S. by storm over the last 12 months. As financial institutions, large and small, consider their EMV migration plans, many have more questions than answers when it comes to choosing a plan that works best for them and their customers.

Before setting the migration wheels in motion, decision makers need more information about their options. Here are some of our customers’ frequently asked questions that might help your financial institution be more comfortable with the EMV switch:

 Q: How long will it take to make the transition to EMV?  

A: To comply with the mandates of the Fraud Liability Shift set by Visa, MasterCard, AmEx, and Visa, you’ll need to consider a realistic timeline for transitioning all of your card portfolios before the liability shift takes effect in October 2015. While Javelin Strategy thinks it could take the U.S. as a whole until 2018 to fully make the transition, the timing doesn’t have to be that long for you if you prepare your financial institution now.

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The EMV 2015 liability shift is less than one year away!

There are popular services and products that are EMV-ready now and that you can integrate into your branches. For example, Shoreline, a Gemalto Company offers a card personalization software as a service (SaaS), AllAboutMe, which can be integrated into your financial institution within six to eight weeks.

 In addition, Shoreline’s instant issuance platform, Cards in an INSTANT, can be installed and ready to use in as little as 45 days.

 Q: What type of equipment will we need?

A: To begin your EMV program, here are the basic things you’ll need: cards, acquiring systems (i.e. AMTs, POS), issuing systems, an authorization system and clearing system, and a card management system. You can read more about a first-time EMV rollout case study here.

 Q: Is issuance any different?

A: There are a number of EMV options to choose from, such as Contact EMV, Contactless EMV and Mobile EMV. You can read more about these in our blog post here.

A seamless transition to EMV is possible with the right partners and equipment. Together with Gemalto, we can help you make a smooth transition from magnetic strip cards to EMV chip technology and beyond. We’re making sure our latest solutions are EMV ready in order to help you meet the EMV migration deadline.

 If you have questions about our EMV-ready solutions, contact Shoreline here to learn more.

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Shoreline Launches EMV-Ready Card Customization SaaS Solution

mimcardsampleThe shift to EMV doesn’t mean financial institutions will loose their ability to offer personalized cards. In fact, it enables them to provide a secure chip and pin, custom card to their customers.

Even credit unions and community banks can make a seamless migration to EMV!

Today, Shoreline Business Solutions announced our latest EMV-ready product AllAboutMe, which reinforces our portfolio of personalization services to accompany the ramp-up of EMV migration in the U.S.

mimdogAllAboutMe is picture card solution, which leverages the card customization in software-as-a-service (SaaS) mode from Gemalto, to provide a one-stop service for personalization and order fulfillment. Shoreline’s AllAboutMe is now a complete end-to-end offer tailored to U.S. financial institutions’ needs and delivered right to their customers’ doorsteps.

You can find more information in the press release here.  For a printable pdf click here.

If you have questions about AllAboutMe or the EMV liability shift in the U.S., contact Shoreline here.

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Eliminate the EMV Drama – Credit Unions and Community Banks Don’t have to Sweat October 2015

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Shoreline can help community banks and credit unions develop the perfect EMV program for their institution.

Even though we can expect to see more than 100 million EMV chip cards in the U.S. by the end of the year, October 2015 is a month that has financial institutions sweating. October 1, 2015 marks the date that U.S. card issuers could be held liable for fraud-related charges on cards that are not equipped with an EMV chip.

As the deadline for EMV migration looms, credit unions and community banks especially face a unique challenge: keeping the costs down when migrating to EMV while developing programs that adhere to standards.

There’s no need to panic. The first step to fulfilling your EMV needs is deciding what EMV is right for your credit union or community bank. Here are some options:

  • Contact EMV: often chosen as the first building block of an EMV program, these typical swipe cards are equipped with the chip and pin features that are necessary to meet the requirements of the fraud liability shift
    • Contactless EMV: allows customers to ‘tap’ their card against a payment terminal, for convenient transactions. The latest generation of NFC contactless cards harnesses the security of EMV, offering a way to pay that is safer than ever before.
    • Mobile EMV: to offer higher security to your customers’ mobile payments, mobile EMV enables you to load a customer’s account credentials directly onto a mobile phone

Shoreline specializes in supporting the needs of community banks and credit unions. We are particularly savvy to the needs of credit unions and community banks with one to 7,500 customers.

Together with our parent company, Gemalto, we understand the needs of card issuers like you. Together we’ve supported more than 3000 financial institutions and issued more than 2 billion payment cards. We are your partner through the entire lifecycle of your EMV program.

If you have questions about the EMV liability shift occuring in the U.S., check out Gemalto’s blog post here or contact Shoreline here to learn more.

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Join Shoreline for EMV Chip & PIN and Beyond Webinar

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Join Shoreline on July 23rd or 24th for an EMV & Beyond Webinar

Get the latest news on EMV debit card production and meet Shoreline’s new parent company Gemalto Inc. at a Shoreline EMV & Beyond Webinar on Wednesday, July 23rd or Thursday, July 24th at 11:00 am EDT.

Click here to register for July 23

Click here to register for July 24

Shoreline invites you to get to know our new parent company Gemalto, Inc. as well as learn the latest on EMV Chip & PIN technology, contactless (NFC) and mobile payments at one of our EMV & Beyond Webinars. Billy Tran, of Gemalto EMV marketing will present with an introduction by Shoreline’s new CEO Bertrand Knopf.

Discussion points will include:

  • The Gemalto/Shoreline partnership and what it means to your financial institution
  • Support for your EMV migration
  • EMV cards – contact and contactless options
  • A look ahead to mobile
  • Real examples of EMV migrations … both U.S. and international financial institutions
  • The Digital Age and what it means to banking and your cardholders
  • Q & A about EMV and emerging payments

Shoreline, a Gemalto company, is a leader in card personalization and fulfillment services. For more than 25 years, Shoreline has been offering community banks and credit unions the most effective and innovative solutions for their payment card programs.

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100 million EMV Cards in U.S. Marketplace in 2014

emv_cards_handThe EMV Migration Forum has recently announced that the U.S. market will see more than 100 million EMV chip and PIN cards in the hands of consumers by year’s end.

Read more here

Shoreline is EMV ready and can assist banks and credit unions as they make the transition to EMV. Shoreline is now part of Gemalto, Inc, the number one worldwide provider of EMV chip cards. Gemalto is also a leader in global telecommunications including mobile solutions and contactless EMV.

Gemalto has assisted financial institutions in almost every country with their EMV transitions and is currently supporting many large U.S. banks with their EMV chip and card programs.

“With Gemalto behind us, Shoreline can offer the perfect EMV solution to our community bank and credit union customers … a local presence, plus global EMV experience and know how,” says Brian Calabro, Vice President of Strategic Partnerships.

For more information, click here to contact Shoreline representative

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Shoreline is Now Part of Gemalto – a Global Leader in EMV

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Shoreline is now part of Gemalto, Inc.

Shoreline Business Solutions is happy to announce that we have recently joined the Gemalto family. Shoreline and Source One Direct, our sister company in Atlanta, were recently acquired by Gemalto Inc., a world leader in digital security and a global provider of EMV technology.

The teaming of Shoreline with Gemalto couldn’t have come at a more perfect time. As the the U.S. moves towards the 2015 liability shift to EMV, Gemalto’s innovative technology and EMV expertise will help Shoreline customers make a smooth transition from magnetic strip cards to EMV chip technology and beyond.

“This is an exciting time to be a part of the payments industry in the U.S. as EMV and mobile technology emerges,” said Brian Calabro, Shoreline’s VP of Strategic Initiatives and Partnerships. “With the power of Gemalto behind us, we are positioned to make a big leap forward in the ever-changing digital age.”Gemalto_logo

 Read the Press Release

Learn more about Gemalto

Get tips to living in a digital connected world at Just Ask Gemalto

Read the Gemalto Blog for the latest industry news and thought leaders

Shoreline Business Solutions has offered card personalization solutions and assistance to the financial industry for more than 25 years. Specializing in ATM, debit card and credit card production, personalization and fulfillment for community banks and credit unions; Shoreline is dedicated to providing a personal touch and superior customer service while remaining on the cutting edge of technology in the payment card industry. For more information, please visit http://www.shoreline-solutions.com/. Follow us on Twitter.

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Shoreline Launches Instant Issue Platform to Meet Financial Institutions’ Needs

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Shoreline’s Cards in an Instant is the perfect complement to a bank or credit union’s current debit card production as they can now print new or replacement cards immediately, while relying on Shoreline for the bulk of large reissues.

Shoreline has just released a hosted instant issue solution perfect for any size bank or credit union – Shoreline’s Cards in an Instant.

With Cards in an Instant, payment card printers are installed on-site at the financial institution and managed locally by branch staff. Cards in an Instant’s secure cloud-based instant issuance platform eliminates the need for costly and time-consuming infrastructure changes.

The Cards in an Instant platform securely stores data which is encrypted and sent remotely from Shoreline back to the printer. Customized debit, ATM and credit cards are then printed on-site instantly at the bank or credit union!

Cards in an Instant works for any size financial institution from small banks and credit unions to large multi-branch institutions. The solution also supports emerging technology including EMV chip and PIN cards and mobile solutions.

Click here for a press release

Click here for an informational sheet

Shoreline Business Solutions, a Cardiff Holdings Company, has been offering card personalization solutions and assistance to the financial industry for more than 25 years. Specializing in ATM/debit/credit card production, personalization and fulfillment for community banks and credit unions, Shoreline is dedicated to providing a personal touch and superior customer service while remaining on the cutting edge of technology in the payment card industry. Combined with sister company, Source One Direct, Shoreline is one of the largest independent card personalization and fulfillment organizations in the United States with facilities in Rhode Island and Georgia. For more information, please visit http://www.shoreline-solutions.com/. Follow us on Twitter.

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New EMV News! Banking and Retail Unite & Payments Experts Meet at EMV Summit

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After more than two months of finger pointing, the banking and retail industries have taken first steps to come together to heal some of the wounds left by the Target data breach that affected the personal and financial information of more than 70 million Americans.

On February 13, 2014 participants such as the Financial Services Round Table and the Retail Industry Leaders Association formed a partnership to share information and look at technologies to protect consumers.  Read more here

EMV_cipOn another note, payment industry players as well as retailers gathered together to express commitment to EMV in the United States at the Smart Card Alliance and Payments Summit. Debit and credit card brands such as Visa, MasterCard, Discover, and American Express also offered their own unique solutions for the implementation of EMV in the US.

Stephanie Ericksen of Visa said they will hold fast to fraud liability shift dates starting in October 2015, but see implementation utilizing only PINs for debit and credit cards as “too complex” for the initial push for EMV in the United States.

Other industry professionals had differing opinions regarding chip with signature. Walmart’s Joh Drechny took a strong stand for the “elimination of signature as a cardholder verification method” stating it is not the most secure form of EMV. Troy Bernard, speaking on behalf of Discover, concurred that only PIN “takes fraud out of the system”.  He said Discover will incent the use of PIN and reward PIN to further the growth of chip and pin EMV implementation in the US.

Read more from the Smart Card Alliance Payments Summit here

Shoreline Business Solutions is a leader in card production, personalization and fulfillment services. For more than 25 years, Shoreline has been offering community banks and credit unions the most effective and innovative solutions for their payment card programs.

To learn more, 800.290.3705 shoreline-solutions.com

 

 

 

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Support for Your Returned ATM and Debit Cards

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Don’t let your “return to sender” debit cards pile up. Shoreline can help!

Shoreline Business Solutions introduces Return Mail Support –  the perfect secure system to deal with your “Return to Sender” Debit and ATM cards, so they do not come back to haunt you in the future!

Shoreline’s Return Mail is a safe and secure process for destroying returned debit and ATM cards. It offers a perfect solution for payment cards that do not make it to their intended cardholder (very often occurring upon the reissue of expired debit cards and when a cardholder has changed addresses).

Cards are returned directly to Shoreline reducing the risk of card fraud for a financial institution as well as complying with financial audits regarding the logging and the dual control destruction of returned debit cards.

According to Pat Angell, Shoreline’s Vice President of Operations, Shoreline’s desire to assist one customer with a secure process for return card destruction aided in the development of this model program. “We realized this program could solve a pesky issue for many of our other customers,” said Pat. “Auditors require a certain protocol for the destruction and logging of the returned cards. With our certification as a secure facility, we are able to systematically follow the secure  process as well as make the data readily available to our customers via our customer information portal. Return Mail support is a great new addition to our suite of card personalization and fulfillment services.”

The Return Mail Secure Process:

  • Each business day undeliverable mail for our Return Mail customers arrives at our secure loading dock.
  • Mail is accepted, counted and batched for input under dual control; then locked in our secured mail cage.
  • Within 24 hours of receipt, two employees remove the mail, scan the barcode and log in numbers … all without opening an envelope.
  • Return Mail is then displayed on our customer online portal and highlighted in green.
  • The sealed envelopes are shred under dual control in a secured shred area. Employees then verify totals and log the job out indicating it is complete.

Benefits of Return Mail:

  • Return mail appears on our secure customer information portal in real-time at receipt, making it easy to identify the cardholder, contact them and send out a new card to the correct address.
  • Simple set-up. Can be live in 24 hours.
  • Process has met with great acceptance by financial auditors due to internal fraud concerns and our MasterCard / Visa endorsed secure facility standards.

download a return mail informational sheet

return mail secure process step by step sheet

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Shoreline Business Solutions is a leader in card production, personalization and fulfillment services. For more than 25 years, Shoreline has been offering community banks and credit unions the most effective and innovative solutions for their payment card programs.

To learn more,
800.290.3705
shoreline-solutions.com

 

 

 

 

 

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Custom Debit and Credit Cards Help Banks and Credit Unions Stand Out in the Crowd

Today’s consumers want everything customized to reflect their life, who they are and what they care about. You’ll see it on Facebook, Twitter, Pandora and Pinterest.

mim_cip_updateAnd, as banking becomes more customer focused and more competitive, financial institutions are looking for  something different and special to set them apart from the crowd. Shoreline offers the perfect custom solution to reach today’s unique banking customer – custom debit, credit and atm cards. Cardholders can create their own unique debit card design or select from a variety of gallery image options.

Shoreline banking clients find custom photo payment cards an easy way to make a big impact with today’s consumer. With MakeItMine customized card production, every payment card can be as unique as each of your cardholders.

Cardholders create their own custom debit card with a photo loaded directly from their computer’s desktop or a flash drive. They can show off their personalities with a funky designed card or express who they love with a photo of their family or pet. They can make their personalized card as custom as they want it to be. Or, they can select a photo from our diverse gallery options.

Shoreline’s MakeItMine custom photo card program adheres to all Visa and MasterCard image guidelines.  The photo debit card production is an easy process for both the bank and the cardholder. It all starts at the bank or credit unions website. With a click of a mouse, the cardholder is taken to the design tool where they can customize their debit, atm or credit card … making it larger or smaller. They will see a preview image to show where bank logos, names and number will fall as well.  Try out the design tool by clicking here now!

Shoreline Business Solutions is a leader in card personalization and fulfillment services. For more than 25 years, Shoreline has been offering community banks and credit unions the most effective and innovative solutions for their payment card programs.

 

 

 

 

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