EMV debit solution meets Durbin requirements, maintains flexibility

May 13, 2014

Debit transaction routing requirements of the Durbin Amendment have presented a unique challenge for EMV rollout in the U.S. Now Giesecke & Devrient says it has a solution that meets Durbin Amendment requirements while supporting bank, merchant and consumer needs both today and in the longer term.

According to a news release from G&D, the company’s EMV debit card products for the U.S. provide extensive functionality to support the latest specifications from the major payment brands.

The G&D U.S. debit EMV solution is available on both Java Card and Native card platforms. It adheres to VIS 1.5.4, M/Chip Advance and M/Chip 4 specifications and provides both an online-only option and offline-capable dynamic data authentication/combined dynamic data authentication-enabled EMV security features.

The solution allows for multi-application data of two or more instances of payment application data, with flexible choice that ranges from sharing only basic information (such as account number and cardholder name) to the most complex risk and lifecycle management parameters, such as the application transaction counter, the company said.


Topics: Debit / Credit, EMV, Regulatory Issues, Security

Companies: Giesecke & Devrient


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