Liability Shift
a. Where a non EMV card is used on a non EMV Terminal and a fraud occurs,
liability is on either the Card Issuer or the Card Holder. Proof has to be
established on which party compromised card details.
b. Where a non EMV card is used on an EMV Terminal and fraud occurs, liability
is on the Card Issuer
c. Where an EMV card is used on a non EMV Terminal and fraud occurs, liability
is on the Acquirer
d. Where an EMV card is used on an EMV Terminal and fraud occurs, liability is
on the Card Holder or the Issuer. However, the onus is on the cardholder to
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prove that their PIN had not been disclosed to a third party willingly or
negligently.
e. Where a hybrid card is used on a non EMV Terminal and fraud occurs, liability
is on the Acquirer
f. Where a hybrid card is used on an EMV Terminal and card treated as magnetic
stripe for authorization and fraud occurs, liability is on the Card Issuer
g. Where a hybrid card is used on an EMV Terminal and card treated as EMV for
authorization and fraud occurs, liability is on the Card Holder or the Issuer.
However, the onus is on the cardholder to prove that his/her PIN had not been
disclosed to a third party willingly or negligently.
