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Deep Dive on the Automated Fuel Dispenser (AFD) EMV Liability Shift


This webinar provided an in-depth review of the EMV Liability Shift for Petroleum merchants, including callouts on fallback transactions, PIN bypass, and exceptions to liability shift dates. The presenters walked through the various factors that impact liability for both counterfeit and lost & stolen transactions.
The presentation also included strategies for minimizing fraud at the AFD, as well as various resources available as you prepare for EMV and the pending liability shift.

Learning Objectives:

  • Explore the dates for the liability shift that have been impacted by COVID-19 and the exceptions that exist for lost/stolen fraud
  • Define fallback and PIN Bypass transactions and learn how they can increase approvals but carry risk
  • Label the scenarios where merchants are liable for fraud dependent on the card type presented and the terminal capabilities


  • Itai Sela | CEO - B2 Payments

    Itai Sela is the CEO of B2 Payments USA established to help the US migration to EMV. Over the past 20 years Mr. Sela has become a Subject Matter Expert in the payment industry, specializing in, Smart Cards (EMV), Fraud, Risk Management, Cryptography, Contactless and NFC technologies, E-Commerce, Training and Consulting. Mr. Sela is an internationally experienced speaker, trainer and consultant with a sound reputation and an exceptional track record of delivering proven results in both business and technical environments constrained by limited execution time frames and complex user requirements. Throughout his career in the payment industry, Itai has spoken in numerous events, delivered hundreds of payment related trainings and participated in several committees and forums including planning and implementation of EMV, Contactless and NFC projects around the world.

  • Linda Toth | Managing Director - Connexus, Inc.

    Linda Toth is the Managing Director for Conexxus, which is anon-profit, member-driven technology orga­nization. Conexxus is dedicated to the development and implementa­tion of standards, technologies innovation and advocacy to improve business processes, reduce costs and increase productivity for the convenience and fuel retailing industry. In her current role, Linda has oversight of all day-to-day operations of the organization. In addition, she advocates on behalf of the convenience industry at EMVCo, the US Payments Forum (formerly the EMV Migration Forum) Petroleum Working Group, and the National Conference on Weights and Measures. Linda also participates inthe World Wide Web Consortium (W3C), ANSI X9 subcommittees working on payments, and is the facilitator for the Petroleum SIG at the Merchant Advisory Group (MAG).

  • Terry Mahoney | Partner - W. Capra

    Terry is an expert at identifying and addressing the organizational impacts of information technology and redesigning business processes to capitalize on today’s technologies. He has a proven track record in enterprise-scale information technology projects, including large project management and technical architecture and strategy.