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What is EMV? How does EMV Certificate Authority Work?

EMV stands for Europay, MasterCard®, and Visa®. It enhances the security of payment card transactions by utilizing a chip embedded in credit, debit, and prepaid cards.

Each Certificate Authority can possess multiple self-signed CA certificates.

Using a particular CA key, a Certificate Authority issues “Issuer Master Key” certificates and can be configured to comply with either Mastercard or Visa standards. This compliance dictates the formats utilized for data interchange with other systems.

Cryotomathic have created the EMV® Certificate Authority to oversee all tasks related to certificates, including:

Importance of EMV CA for your business | Data Wide

An EMV Certification Authority (EMV CA) acts as a trusted third party within the EMV payment card framework. It’s essentially a system that issues and manages digital certificates for participants in the network, ensuring secure communication and transactions. Here’s a breakdown of its key aspects:


  • EMV CAs create and manage digital certificates for issuers (banks providing cards) and acquirers (businesses accepting payments) within a payment scheme (like Visa or Mastercard).
  • These certificates verify the legitimacy of participants during transactions, preventing fraud.


  • EMV CAs are crucial for maintaining trust in the EMV system.
  • By verifying identities, they help prevent unauthorized access and ensure
    the integrity of transactions.


There are two main types of EMV CAs:

  • International Scheme CAs: Managed by major payment schemes like Visa and Mastercard, these cater to global transactions.
  • Local Scheme CAs: Used for domestic payment schemes within a specific region (like the UAE). These allow independent operation using EMV technology but require a separate CA for trust within the local system.


  • EMV CAs enable secure communication between issuers, acquirers, and payment terminals.
  • They facilitate chip-and-PIN transactions, adding an extra layer of security compared to magnetic stripe cards


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