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ATMIA announces EMV routing actions

December 12, 2013

The ATM Industry Association has issued a position paper urging payment networks and ATM deployers to work together to retain open market flexibility in routing choices. The organization also announced that it has retained Tremont Capital Group Inc. to conduct an analysis of routing choices.

EMV migration is more complex in the United States where multiple networks exist, said a news release from ATMIA. Compounding this confusion, the organization said, is a recent U.S. District Court ruling that Durbin Amendment routing requirements are not being met by current Fed guidelines.

According to the ATMIA, the central issue involves "off-us" transactions in which the card issuer and the ATM owner are not the same. These transactions require a network to switch the transaction. 

Under the current EMV implementation proposal, ATM deployers would forfeit all choice and flexibility in routing off-us transactions, the association said. The consequences for ATM deployers would be not only decreased income, but also the inability to support a portion of the world's 1 million ATM locations, resulting in fewer choices for consumers.

"In order to allow ATM owners to survive and maintain the scale of their existing networks, which also provide maximum convenience for consumers, they must be allowed to manage transaction processing effectively," said David Tente, executive director of ATMIA USA. "Without that ability, the livelihood of the ATM industry will be severely and negatively impacted."

On the same day as the ATMIA announcement, 10 U.S. PIN debit networks announced the formation of the Debit Network Alliance, whose mission is to provide a structure for the governance, deployment and implementation of an interoperable EMV debit standard. 

Read the ATMIA position paper.

Read more about EMV.

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ATM Industry Association (ATMIA)

The ATM Industry Association, founded in 1997, is a global non-profit trade association with over 10,500 members in 65 countries. The membership base covers the full range of this worldwide industry comprising over 2.2 million installed ATMs.

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