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Illustration of EMV chip card technology used in VSDC and M/Chip-Lite applications

Credit Card

What is VSDC (Visa Smart Debit Credit) and M/Chip-Lite?

EMV chip cards contain a small, powerful microprocessor that provides enhanced security, faster transactions, and support for loyalty programs. VSDC is Visa's chip-based solution; M/Chip-Lite is Mastercard's low-cost equivalent for banks starting their chip migration.

Diagram illustrating the Card Personalization Validation (CPV) process

Credit Card

What is CPV (Card Personalization Validation)?

CPV stands for Card Personalization Validation. It is Mastercard's term for the set of recommendations and instructions defined for the card personalization process. The equivalent for Visa is called GPR (Global Personalization Requirements).

Table listing the EMV chip specifications used by Visa, Mastercard, American Express, JCB, Discover, and UnionPay

EMV

What are EMV Schemes?

EMV standards form the foundation for chip cards to work on terminals worldwide, but each scheme - VSDC (Visa), M/Chip (Mastercard), AEIPS (Amex), J Smart (JCB), D-PAS (Discover), and UICS (UnionPay) - defines its own keys, rules, and card profiles.

EMV Application Version Number on card and terminal

Online & Authorization

Application Version Number

The Application Version Number is the version number of the application on the card. For example, the Visa VSDC application version number is 131, and the Mastercard M/Chip Lite version number is 2.