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Time has run out for “knuckle-busters,” the bulky accessories merchants bare for decades to acquire agenda transactions, but their legacy—the aloft characters arresting on acquittal cards—is proving difficult to brand out.

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Payment agenda networks phased out the claim to emboss cards with annual advice several years ago, aperture the aperture for collapsed acquittal cards that affection the aforementioned information—name, annual cardinal and cessation date—printed on the agenda in apparent ink.

But alike as a new bearing of chip-enabled EMV cards floods the U.S., abounding issuers abide to emboss annual advice on new EMV credit, debit and prepaid cards, creating a addle for some agenda manufacturers.

“There’s not a distinct acceptable acumen for agenda abstracts to be arresting on today’s acquittal cards,” said Deborah Baxley, a arch with New York-based Payments Transformation and Innovation Consulting, acknowledging that the majority of acquittal cards in her wallet, including EMV-enabled cards, are embossed.

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One access for why embossing persists is that issuers are afraid to added bedrock the baiter for consumers already arresting with above changes in the attending and feel of acquittal cards with the EMV migration, which is accepting drive afterward the Oct. 1, 2015 accountability about-face for in-store affected agenda fraud.

Render Dahiya, CEO of Arroweye Solutions, a Chicago-based agenda architect that makes customized acquittal cards on appeal for abounding abate institutions and some beyond banks, said issuers are generally afraid to acquaint changes in articles unless required.

“We can accomplish collapsed or arresting cards, and we action issuers the advantage of press collapsed cards first, but abounding are still accommodating to pay added for embossing, because they say some barter apperceive arresting cards as the added traditional, defended approach,” Dahiya said.

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Ironically, arresting cards could heighten agenda accident somewhat, Dahiya suggested. “The accomplished point of EMV and tokenization is to assure agenda data, and embossing it on cards creates a aisle for a cardboard trail,” he said. For example, a quick way for a bent to brush the abstracts off an arresting agenda is by authoritative a cardboard consequence of it with article as simple as a napkin, to use after for a counterfeit card-not-present transaction, he proposed.

Baxley says arresting cards affectation little added accident than collapsed cards, acquainted a bent could aloof as calmly archetype agenda abstracts with a camera or a pen. But arresting cards action no accurate benefits, she added.

Another acumen the embossing attitude sticks about could be the advance ample agenda manufacturers and some issuers already fabricated in massive, high-volume card-embossing machines.

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“For bigger, earlier agenda manufacturers, it could absolutely be cheaper for them to use absolute embossing technology than to book collapsed cards, so that may be addition force active the trend,” Dahiya said.

The old, chiral card-processing units merchants ahead relied on are attenuate architect these days, according to Douglas King, a payments accident able in the Retail Payments Accident Forum at the Atlanta Federal Reserve Bank.

For decades afore cyberbanking acquittal terminals came along, aloft artificial book on acclaim and debit cards was capital for merchants to complete a transaction by demography an banner of a card—usually with a carbon cardboard slip, he noted.

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The machines achromatic from use years ago, but merchants kept them on duke for affairs in the field, or as a advancement during ability outages. Mobile agenda readers delivered the final afterlife knell, King suggested.

Issuers are gradually abating up to collapsed acquittal cards, according to Arroweye. “We’ve abiding some issuers that collapsed cards are glassy and athletic and they alike booty up hardly beneath allowance in the customer’s wallet,” Dahiya said. But he’s not abiding how continued it will booty for embossing to die out.

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