EMV Contactless Specifications

EMV Contactless Specifications define the communication interface between payment terminals and contactless cards or NFC-enabled mobile devices. Building on ISO 14443 and ISO 7816-4, EMV CL adds payment-specific security protocols including dynamic data authentication, cryptogram generation, and transaction risk management. The specifications cover Visa payWave, Mastercard PayPass, American Express ExpressPay, and other contactless payment brands, enabling tap-to-pay transactions worldwide.