A Guide to EMV Chip Technology - Home - EMVCo

3.1.2 The Evolution of the EMV Chip Specifications In 1994, three international payment systems, Europay, MasterCard and Visa began the development of a global chip specification for payment systems. This globalisation continued over the years, with JCB joining in 2004, American Express in 2009, and both UnionPay and Discover in 2013.

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