Why are EMV credit cards and EMV payment transactions more secure?

EMV cards store payment information in a secure chip rather than on a magnetic strip, and the personalization of EMV cards is done using issuer-specific keys. Unlike a magnetic strip card, it is virtually impossible to create a counterfeit EMV card that can be used to conduct an EMV payment transaction successfully.

EMV secures the payment transaction with enhanced functionality in card authentication, cardholder verification, and transaction authorization.

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