Cardholder Present – September 2016

Update 2022 – this never happened. While the networks have the facilities in VTS/MDES and the new SRC standard with EMVCo.. the rate tier has not taken hold.

As I outline 16 months ago in mCommerce/eCommerce Convergence, there is a new V/MA rate tier coming: Card Holder Present (CHP). CHP is coming by summer 2016 (70% probability), and can be thought of as a remake of what was VBV and MSC in 2006/7 using the new token utilities built for ApplePay.

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