Legal

Terms of use

Last updated 2026-11-14.

By using EMV Stack (emvstack.dev), you agree to these terms. If you do not agree, please do not use the site.

Purpose of the site

EMV Stack provides free tools, articles, guidance and news about EMV payments. They are meant to nurture discussion and promote good practices. They are not official EMVCo or payment scheme specifications and are not professional, legal or certification advice. Always check the specifications and requirements that apply to your project.

Use of the tools

• The tools run in your browser and are intended for development, testing, learning and troubleshooting.
• Use test data and test keys only. Do not enter live card numbers, track data, PINs, production keys or key components.
• Do not use the tools to process real payments or as part of a production system.
• Results may be incomplete or wrong, for example when a specification has changed or a kernel behaves differently. Verify important results with approved tools.

Content produced with AI assistance

Some content on this site is produced with the help of an AI assistant. See How our content is made.

No warranty

The site, tools and content are provided "as is" and "as available", without warranties of any kind, including accuracy, completeness, fitness for a particular purpose or availability.

Limitation of liability

To the extent permitted by law, EMV Stack and its contributors are not liable for any loss or damage arising from your use of, or reliance on, the site, its tools or its content, including failed certifications, declined transactions, lost data or business losses.

Intellectual property

The site's original text, tools and design belong to EMV Stack. You may quote short extracts with a link to the source. EMV® is a registered trademark of EMVCo, LLC. Other names and trademarks, such as those of payment schemes, belong to their owners. EMV Stack is not affiliated with or endorsed by EMVCo or any payment scheme.

Purchases

Goodies shown in our Shop are sold, printed, shipped and supported by a third-party print-on-demand store. When you buy, you are buying from that store under its own terms of sale, shipping, returns and refund policies, which it shows before you pay. Questions about an order should go to the store first.

Links to other sites

News items and articles link to other websites. We are not responsible for their content or availability.

Governing law

These terms are governed by the laws of the State of Delaware, United States of America, without regard to its conflict-of-law rules. Any dispute arising from these terms or your use of the site will be subject to the exclusive jurisdiction of the state and federal courts located in Delaware, unless the law of your country of residence gives you the right to bring proceedings elsewhere.

Changes

We may update these terms. The date at the top shows the latest version.

Contact

Questions about these terms can be sent to support@emvstack.dev or through Support. See also our privacy policy.