ASC X9

www.x9.org

The Accredited Standards Committee X9 (ASC X9) has the mission to develop, establish, maintain, and promote standards for the Financial Services Industry in order to facilitate delivery of financial services and products.  Under this mission ASC X9 fulfills the objectives of:

• Support (maintain, enhance, and promote use of) existing standards
• Facilitate development of new, open standards based upon consensus
• Provide a common source for all standards affecting the Financial Services Industry
• Focus on current and future standards needs of the Financial Services Industry
• Promote use of Financial Services Industry standards
• Participate and promote the development of international standards

PCI

www.pcisecuritystandards.org

The PCI Security Standards Council is an open global forum, launched in 2006, that is responsible for the development, management, education, and awareness of the PCI Security Standards, including the Data Security Standard (PCI DSS), Payment Application Data Security Standard (PA-DSS), and PIN Transaction Security (PTS) requirements.

The Council's five founding global payment brands -- American Express, Discover Financial Services, JCB International, MasterCard Worldwide, and Visa Inc. -- have agreed to incorporate the PCI DSS as the technical requirements of each of their data security compliance programs. Each founding member also recognizes the QSAs, PA-QSAs and ASVs certified by the PCI Security Standards Council.

All five payment brands share equally in the Council's governance, have equal input into the PCI Security Standards Council and share responsibility for carrying out the work of the organization. Other industry stakeholders are encouraged to join the Council as Participating Organizations and review proposed additions or modifications to the standards.

EMVCo

www.emvco.com

EMVCo, owned by American Express, JCB, MasterCard and Visa, manages, maintains and enhances the EMV®1 Integrated Circuit Card Specifications  to ensure global interoperability of chip-based payment cards with acceptance devices including point of sale terminals and ATMs.

EMVCo also administers a testing and approval process, and oversees the procedures for confirming compliance with the EMV standards. These activities include compliance testing for both chip-based payment accepting devices and payment cards for both the Common Core Definitions (CCD) and Common Payment Application (CPA) specifications. The testing process and procedures help ensure cross-payment system interoperability, which is the over-arching goal of the EMV specifications and EMVCo.

American Express, JCB, MasterCard, and Visa, which each own a fourth of EMVCo, have representatives in the EMVCo organization at both management and working group levels. The four organizations make every decision on a consensus basis to assure card-infrastructure uniformity.

Interac

www.interac.ca

A recognized leader in debit card services, Interac Association is responsible for the development and operation of the Interac Member Network (IMN), a national payment network that allows Canadians to access their money through Automated Banking Machines and Point-of-Sale terminals across Canada.

Formed in 1984, Interac Association in now composed of a diverse group of merchants, including banks, trust companies, credit unions, caisses populaires, merchants, and technology and payment related companies.