Amex Quick Chip

Help streamline the point of sale experience in contact card transactions

Overview

EMV®* chip card issuance and merchant acceptance is growing in the U.S.** — helping to combat fraud at the point of sale. EMV chip cards have an embedded microprocessor chip, which increases transaction security by exchanging authentication data with terminals. When a chip card is used at a terminal, a unique one-time code is generated to approve the transaction — providing an extra layer of security.

 

As a leading global payments network, American Express is focused on helping our partners get the most out of the technologies they need to stay competitive. Amex Quick Chip is designed to address the need of improving perceptions around the speed of EMV chip card transactions in the U.S.

 

Amex Quick Chip enables Card Members to dip their Card at anytime during the check-out process and remove it before the transaction is completed—significantly improving Card Members’ perception of payment transaction speed and streamlining the check out experience, while providing the security benefits of an EMV chip card transaction.

 

* EMV is a registered trademark or trademark of EMVCo LLC in the United States and other countries.

 

** Currently, Quick Chip can only be utilized or enabled by merchants, processors, and vendors on terminals being deployed for use in the U.S.

Benefits

Enhances Card Member experience:

  • Improved perception of payment speed and a more convenient checkout experience.

Facilitates improved Merchant throughput at Point of Sale:

  • Speeds up checkout times on chip transactions at the point of sale increasing merchant efficiencies.

Take advantage of best in EMV security:

  • Continued support for Card Member verification methods like PIN (Offline and Online) and signature.
  • Leverages embedded microprocessor chip, which increases transaction security by exchanging authentication data with terminals.

Simple testing process:

  • Involves a change to the local POS application, but doesn’t require EMVCo (level 2 EMV) recertification of terminals.
  • Requires streamlined feature testing for existing approved AEIPS certified Terminals, made simple though the American Express test environment and self-service test tools. More information on certification will be available in the Amex Quick Chip Test Plan document.

How It Works

Amex Quick Chip enables a Card Member to dip the Card anytime during the check-out process and remove it before the transaction is completed—increasing efficiencies and enhancing the check-out experience.

 

Step 1

Insert Card when prompted

 

Step 2

Remove Card when prompted

 

Step 3

Follow the prompts to complete transaction

Next Steps

Please reference the materials in the Resources section or contact your American Express representative for more information.