A newsletter for members & friends of the U.S. Payments Forum
February 2020

Director’s Corner

Forum Meets in the Mountains

Welcome to the first U.S. Payments Forum meeting of 2020 in Salt Lake City.  Like last year’s first meeting of the year in Phoenix, this meeting is again being held in conjunction with the 2020 Payments Summit conference.  This gives Forum members the added benefit of a four-day all-access pass to the regular Forum meetings, plus the comprehensive conference agenda of the Payments Summit, with its broad audience of senior industry leaders and attendees from organizations who are not members of the U.S. Payments Forum.  This co-location also provides Forum members with added opportunities for education about new technologies and payments trends, access to vendors to talk with in the exhibits area, and more networking opportunities than regular two-day Forum meetings.

Salt Lake City was chosen as the host city for this event, and the meeting date was moved up February, to give attendees the opportunity to experience the beauty of the nearby snow-capped Wasatch Mountains – a treat for those brave enough to enjoy some of the best skiing in the U.S.  Salt Lake City has many other attractions, like the Mormon Temple, craft beer establishments, and fine restaurants within walking distance of the event hotel or easily reached using the convenient and free city loop trolley.  The airport is close to downtown, the people are friendly, and the weather is very nice (most of the time).

One of the adjustments we made from last year’s schedule is to start the Forum meeting on Monday, one day before the Payments Summit starts.  We also did not schedule any Forum sessions on Tuesday morning during the Payments Summit keynote sessions, so there are no overlapping sessions then.  It will take some good planning, and some difficult choices, when the two meetings overlap on Tuesday afternoon and Wednesday, the last day of the Forum agenda. We recommend using the mobile event app to help you keep up with the schedules and times for both agendas.

The sessions you may wish to focus on for this Forum meeting are the stakeholder reports by the global networks, domestic payment networks, issuers, merchants, and processors, plus the merchant and issuer special interest groups (SIGs), and several interesting birds-of-a-feather sessions.  The educational sessions that are usually a part of the Forum meeting will now be held in the Payments Summit track sessions. Several new topics of interest covered in the Payments Solutions and Payments Technology tracks include real-time payments, electric vehicle charging payments, peer-to-peer payments, AI-powered autonomous check-out, digital identity in payments, mobility as a service (MaaS), blockchain and cryptocurrency trends, dynamic card security codes, IoT wearables and connected car payments.

Thank you for being here! Make sure to mark your calendars for July 14-15 in Charlotte, NC, and November 10-11 in Houston, TX, when the Forum will meet again in 2020. More details are available at www.uspaymentsforum.org.

Forum Steering Committee Election

The U.S. Payments Forum has completed its election of Steering Committee officers and cross-industry representatives.  2020 officers are:  Kristy Cook, Target – chair; Scott Haney, Woodforest – vice chair; Joe Vasterling, Best Buy – treasurer; Manish Nathwani, SHAZAM – secretary. 


Several new individuals were added to the Steering Committee during the recent election or as replacements for 2019 Steering Committee members.  Newly elected are:  Keri Crane, Jack Henry & Associates; Nancy Morgan, Kroger; Steve Mathison, Fiserv; and Terry Mahoney, W Capra.  Carey Ferro, American Express, Robert Lorenzini, McDonald’s, and Kate Weiler, Discover, have also joined the Steering Committee.


We would like to thank the exiting Steering Committee members – Steve Cole, Worldpay; Kara Gunderson, CITGO; Kathy Hanna, Kroger; Art Harper, PSCU; Girish Menon, Discover; Jesse Pamperin, McDonald’s; Robin Trickel, American Express – for their contributions!


You can find the full Steering Committee list with contact information on the Forum members-only site.  We encourage members to contact Steering Committee representatives with ideas and feedback on Forum activities.

New Payments Resources from the Forum

The Forum also completed the new resource, Contactless Operating Mode Requirements Clarification.  The white paper provides an overview of each payment network’s current contactless requirements for issuers, acquirers and acceptance partners electing to implement contactless technology for both magnetic stripe data (a.k.a. MSD, magstripe, magnetic stripe) and EMV mode contactless support.

Update from the Forum Steering Committee 

Forum Working Committees and project teams had a busy 2019 and we continue to have a wide variety of active work groups and projects.


New in 2020 is the Debit Routing Working Committee, which will meet in-person for the first time during our February member meeting in Salt Lake City, UT.  The Working Committee goal is to identify and describe options for successful U.S. debit routing for EMV contact and contactless, mobile, ecommerce, and emerging technology transactions, regardless of presentment method.  The Working Committee is being led by issuer, merchant, acquirer and debit network co-chairs – Emily Santos, SunTrust; Trent Addington, Walmart; Steve Cole, Worldpay; and Manish Nathwani, SHAZAM, respectively.


The Forum has also launched a new project to develop a white paper on best practices for automatic fuel dispenser (AFD) fallback transaction processing.  The project team is just starting the effort; if you’d like to join the project, please contact Devon Rohrer, drohrer@uspaymentsforum.org.


And, last but not least, we will be recognizing the many members who contributed to the Forum’s 2019 projects during the February meeting – Working Committee chairs, SIG leaders, Steering Committee officers, top contributors to 2019 projects, and the honor roll of members who were active participants in projects and meetings.  Thank you to everyone who devotes time and expertise to Forum projects – it’s making a difference in the payments industry!

Forum Working Committee Projects

ATM Working Committee 

The ATM Working Committee is looking forward to gathering in-person at the February Forum Member Meeting in Salt Lake City, where they will be discussing topics for new projects.    


CNP Fraud Working Committee 

The CNP Fraud Working Committee just completed a white paper that will be a primer on EMV 3-DS Secure; it’s now available on the Forum web site.  Progress is underway to define an expanded charter for the working committee. Additionally, progress continues to be made on a white paper that will outline fraud prevention pathways.  


Communications and Education Working Committee 

The Communications and Education Working Committee is in the beginning stages of a project that will produce a webinar about the recently published EMV Level 3 Contactless Certification Recommended Solutions to Reduce Deployment Time and Options For Reducing Level 3 EMV Certification Time for Retailer Systems Using Electronic Payment Servers white papers.  Additionally, work on producing the two-part webinar series on dual-interface card personalization is nearing completion.  


Mobile and Contactless Payments Working Committee 

The Mobile and Contactless Payments Working Committee recently published How Emerging Data Elements Can Support Mobile Wallet Use Cases white paper and Mobile Payments Standards Glossary.  Additionally, the committee is working on an educational resource on authentication methods for mobile in-app and remote payment transactions. 


Petro Working Committee 

The Petro Working Committee is looking forward to discussing new topics with the committee at the February Forum Member Meeting in Salt Lake City.   


Testing and Certification Committee 

The Testing and Certification Working Committee has been busy working on a white paper that will define intake form terminology.  Additionally, they recently published Options for Reducing Level 3 EMV Certification Time for Retailer Systems using Electronic Payment Servers, a white paper that discusses solutions to help reduce the implementation time and effort required for the automatic fuel dispenser (AFD) October 2020 fraud liability shift.  


Transit Contactless Open Payments Working Committee  

The Transit Contactless Open Payments Working Committee is working on a customer terminology / best practices guide for contactless open payments in the transit industry.  


For more information on Working Committee projects that are in process, please contact Devon Rohrer, drohrer@uspaymentsforum.org.

Forum Member Meeting Sponsorships and Guest Passes

The U.S. Payments Forum is now welcoming member sponsorships for Forum Member Meetings. Sponsor organizations must be Forum members in good standing. Sponsorships are available on a first come, first served basis for any announced meeting based on completion of the sponsor agreement. Sponsorship opportunities include: title sponsorships; leading sponsorships (for example, registration badge, Wi-Fi service, bottled water, receptions, meals); and supporting sponsorships (for example, charging station, inserts).


The sponsorship program prospectus describes all sponsorship levels and rules/policies for sponsorship.


The Forum also has a guest pass policy for Forum Member Meetings to expand the breadth and depth of participation and to attract organizations and individuals with the knowledge and experience in payments who can contribute to the purpose and value of the Forum.


Non-member organizations may request a complimentary guest pass for one Forum Member Meeting.  Complimentary guest passes are for those organizations with a serious interest in joining the U.S. Payments Forum and who would first like to sample one of its in-person member meetings. 


Information about the meeting guest pass policy is available on the Forum web site.

Welcome New Forum Members

  • Arroweye Solutions
  • Balance Innovations
  • Bradley Arant Boult Cummings LLP
  • Bulloch Technologies
  • Dunkin’ Brands
  • Futurex
  • iLEX Consulting Group, LLC
  • Nidec Sankyo Corporation
  • Tango Card

Register for 2020 Forum Meetings

Mark these dates on your calendar and plan to join your colleagues at the next two in-person Forum meetings; registration is now open so take a moment and register today: 

U.S. Payments Forum in the News

Software Availability Proves To Be a Drag on Fuel-Pump EMV Upgrades” Digital Transactions. This report covers recommendations from the latest U.S. Payments Forum Market Snapshot on the transition to EMV at the fuel pump, and highlights comments from Director Vanderhoof on how the industry is supporting petroleum retailers during the implementation and certification period.


How Convenience Retail Can Meet Fast-Approaching EMV Mandates” Convenience Store News. This piece on EMV in convenience retail cites statistics from the latest U.S. Payments Forum Market Snapshot on EMV chip adoption in the U.S. along with insight from Director Vanderhoof on what EMV certification timelines look like today.

Upgrade to Leadership PLUS Membership

This exclusive level of membership offers the most advantages for organizations that desire full benefits in the U.S. Payments Forum and Secure Technology Alliance, all for one single membership fee. Please contact Randy Vanderhoof if you would like to upgrade to this premier level.

About This Newsletter

The U.S. Payments Forum Quarterly is a publication for members, friends and supporters of the U.S. Payments Forum. The U.S. Payments Forum continues to support the chip migration while also broadening its focus to other new and emerging payments technologies in the U.S. Those technologies protect the security of, and enhance opportunities for, payment transactions within the U.S., and include tokenization, card-not-present transactions, point-to-point encryption, and mobile and contactless payments. Thank you for your interest, and please email us with any suggestions for future content.

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