​How does it work?
Smart cards are embedded with a chip that is encrypted with data.  EMV-enabled devices have the ability to read data stored on a chip within a card.  During the transaction authorization process, strong cryptographic functions are used to validate the authenticity of the card and cardholder.

Best of all, when a customer pays using an EMV-enabled device, the device is instantly identified as an authentic, approved payment instrument through a process called dynamic authentication.  When used with a PIN, the chip proves that the customer is paying with his or her own card.

By using chips as an active part of the payment transaction, EMV cards and devices help prevent credit card fraud from stolen account numbers and cloned payment cards.

What does this mean for me as a merchant?
As of October 2015, processors were required to support merchant acceptance of EMV chip transactions.  After that, fraud liability shift was transferred to the merchant who does have the capability to process an EMV transaction.  Merchants should update their equipment to devices that are enabled to process these transactions and Liberty is here to help!  All of our equipment provided and supported is EMV capable.
​What is EMV?
EMV, an acronym of Europay International, MasterCard and Visa, joined in 1994 to provide a worldwide standard for the interaction between chip-based “smart cards” and approved payment devices.  It is a security framework that defines the payment interaction at the physical, electrical, data and application levels between the chip cards and the payment device. Also known as “chip and PIN” in the UK, it’s the name for the technology that enables payments using a smart card with a chip inside of it.

Current Merchants

PCI DSS Compliance Requirement

The payment brands (American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc.) have mandated that all merchants who store, transmit or process cardholder information must maintain compliance with the PCI DSS. We, as your service provider, take the protection of customer and payment account data very seriously. We understand the risks and financial costs that a compromise can pose to your business. In support of this important mandate, we will begin requiring all of our merchants to validate their PCI DSS compliance status with us. However, we want to make the process as convenient as possible for you.  

Our Compliance Assistance Service Program

Please visit www.pcirapidcomply.com to learn more about the service we provide and call our office to help get registered to complete your compliancy.  We are here to help!

While participation in the PCI Compliance Service Assistance Program helps to mitigate the risk of a security breach or data compromise, participation does not guarantee or prevent a security breach or compromise.  

Helpful Links

PCI Rapid Comply Welcome Letter

Business Associates Agreement HIPAA

Be aware that other merchant service companies will be using this information as a marketing strategy so always check with Liberty to validate any claims being made by competitors!

Liberty Merchant Service Inc.


EMV™, Chip Embedded Credit Cards

888-881-1936 (Toll Free)

817-788-1943 (Local)

817-788-0432 (Fax)

Keller, TX 76248

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