The United States is one of the last markets in the world to adopt the EMV standard for card-based payments.  While EMV was originally conceived as a standard designed to reduce the risk of fraud as well as transaction processing costs for parties involved, the US will adopt EMV, but not use it in ways that most other countries deploy EMV.  In fact, there will be no fundamental change to the payment processing paradigm unique to the US.  As a result, issuers and acquirers must be prepared for the impacts that will uniquely come with EMV adoption in the US.  In particular, they must prepare for the changes to dispute processing and management.

Managing disputes is about managing liability.  With the adoption of EMV, a major shift in liability will occur in the US market.  Thus, companies must be prepared to make several fundamental changes to ensure they are optimally managing the risks associated with disputes & exceptions.

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