The ATM Industry Association’s (ATMIA) US chapter has published an open letter requesting a ‘realistic and consistent’ approach to EMV migration in America.

Intended for global payment networks, the letter addresses the April 19 liability shift for Maestro card transactions at ATMs – US ATM operators will soon become responsible for fraudulent transactions on the ATM/debit network, which is owned by MasterCard.

The letter, written by US ATMIA executive director David Tente, contends that the Maestro deadline will be impossible to meet for the ATM industry.

Tente said: "Two of the Payment Networks have already offered to share chip application technology, in an effort to help resolve issues brought about by Durbin routing requirements and to speed up testing and certification processes."

Even if the industry accepts this approach, Tente continued, a deliverable POS market solution is months away.

The letter contends that the consistency between the Global Payment Networks regarding the EMV migration roadmap for retail merchants is lacking for ATMs.

ATMIA wants Payment Networks to reevaluate their ATM strategy and roadmaps based on the ‘undeniable realities of the ATM landscape’ – namely, that most ATM transactions are performed using branded debit cards subject to Durbin routing requirements for retail payments; that the ATM industry will not accept multiple upgrades of each machine as a solution; that ATM upgrades/replacements are costly, time-consuming and require qualified technicians.

Tente added: "ATMIA calls upon the Global Payment Networks to synchronize their liability shifts and their requirements, to clear up all confusion and uncertainty and to allow ATM operators sufficient time to get ready."

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