Postal Clerk Info
Chip Cards

What do I do when a customer presents a chip card?

Chip cards will still have a magnetic stripe during the U.S. migration to EMV to ensure that customers can continue to pay until USPS can enable the equipment or terminal to accept the CHIP.

Should I be worried about security at US Postal Service?

No. While EMV primarily focuses on card fraud at the consumer level, encryption will solve for other data security issues. Today, USPS encrypts card data as soon as it is swiped in the terminal. At that point your card number data is no longer residing at the USPS. In addition to the encrypted PAN, USPS has fraud prevention measures, such as:

• USPS requires a signature on the back of card
• If not signed, USPS retail clerks can request a photo ID and request the customer to sign the payment card presented.
• For credit transactions only, the clerk is expected to enter the last four digits of the card for verification.
• For manual entry transactions, whereas the card swipe fails, USPS requires that the last 4 digits and the CVV (3 digit - Cardholder Verification Value) of the card be entered by the clerk.
EMV was implemented to prevent fraudsters from utilizing lost or stolen cards and creating and using counterfeit cards.

I was told there is an Oct 1 deadline. What is the deadline for?

There is currently is no mandate for EMV implementation but a liability shift that will hold merchants responsible or liable for fraudulent transactions from cards that were not CHIP protected.

• No fines or penalties if EMV is not implemented by October 2015
• The liability shift only is for counterfeit cards and does not pertain to lost and stolen cards.

Will there be any training prior to beginning acceptance of CHIP cards?

Yes, training will be provided on how to direct customers to ‘insert’ instead of swipe their card in the future once EMV has been enabled at all terminals at retail.