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Is It Worth “Switching” To EMV At My Truckstop?

Posted in: Truckstop Business, Technology

NATSO has received a number of questions from truckstop owners and operators regarding today's “EMV Shift” – this refers to Visa and MasterCard’s plans to begin aligning credit and debit cards in the United States with those companies’ proprietary chip technology.

To meet our members' need for information on this topic, NATSO has prepared a detailed Question-and-Answer document answering some of the key questions on this important topic. Read the detailed document at The Upcoming “EMV Shift” – What Truckstop And Travel Plaza Operators Should Know

This week we featured several points in the document on the blog. In today's final blog post I’ll answer:

Is It Worth “Switching” To EMV At My Truckstop?

Q: Today is the deadline. What should I do? Is it worth “switching” to EMV at my truckstop?

A: At the end of the day, this is a business decision that only you can make.  Some experts believe switching to EMV is a questionable value proposition in light of the fact that retailers will retain liability exposure and remain vulnerable to data breaches even if they do implement EMV.  At the same time, many merchants are switching to EMV technology now in order to minimize exposure. 

According to a recent survey on EMV readiness conducted by Randstad Technologies, a majority of IT decisionmakers have little concern for the magnitude of risk associated with missing the EMV liability shift deadline of October 1, 2015.

The best advice is simply to become more educated about how EMV technology is likely to affect your day-to-day operations before you make any final decisions.  Examine your risk profile, including the degree to which you are seeing fraudulent activities today.

Because EMV is by no means the last step in the evolving work of payment systems security, you should be sure that if you do migrate to EMV, you are creating a payment infrastructure that is flexible for future technologies (such as mobile payments).

Also, keep in mind that evolving to EMV is a process; it doesn’t happen overnight.  It takes time to roll out and make sure that our system complies with the new requirements, your employees are trained, and your customers will have a smooth experience.

Read our full review here

///One of NATSO’s primary roles is to deliver solutions to members’ challenges. Each day members tap into the expertise of myself and other NATSO staff members for answers to some of their most pressing questions. If you have questions on the rule, be sure to reach out to me at or (703) 739-8501 with questions. 

This blog post is intended to provide general information and recommendations and should not be considered legal advice. This information may be subject to regulations and restrictions in your state.

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About the Author

David Fialkov

David Fialkov

David Fialkov is the Vice President of Government Relations, as well as the Legislative and Regulatory Counsel, at NATSO.  In this capacity, Mr. Fialkov directs NATSO's legislative, regulatory, and legal strategy on a range of issues, including transportation, energy and fuels, labor, data security, and taxes.  Mr. Fialkov also oversees NATSO's political engagement program, including individualized legal and political counsel to member companies.
Prior to joining NATSO, Mr. Fialkov was the senior associate in the Government Affairs and Public Policy practice at the law firm of Steptoe and Johnson in Washington, D.C.  At Steptoe, Mr. Fialkov advised clients on legislative, regulatory, and political issues, as well as legal concerns.  His primary clients included trade associations representing the motor fuel wholesale and retail industries, including the National Association of Convenience Stores and the Society of Independent Gasoline Marketers of America.  Mr. Fialkov's focus was not only on the motor fuels business, but also the litany of other issues that retailers confront, including labor matters, foodservice issues, healthcare and employment issues, tax matters and data security.
Prior to joining Steptoe, Mr. Fialkov graduated with honors from George Washington University Law School.  He received his B.S. Summa cum laude with highest honors from Clark University in Worcester, MA.  He lives in Washington, D.C. with his wife Allison and daughter Lilah.