See why Ellipse Verification Code (EVC) is quickly becoming the industry standard in fraud prevention, card differentiation, and earning its place as your go-to payment card for every transaction.
WHY EVC?
1
Fraud Protection
EVC is the new standard in credit & debit card fraud protection. The on-card dynamic security code (dCVC2/dCVV2) changes with every use of the physical card, rendering stolen card data worthless. EVC makes your payment cards top-of-wallet while giving you complete peace-of-mind against fraud.
2
Eliminate
False Declines
False declines are embarrassing for cardholders and expensive for card issuers. EVC effectively eliminates false declines by authenticating the user with a security code that is refreshed constantly, making it far less likely to be compromised.
3
Card Differentiation
No longer just a piece of plastic or metal. EVC introduces an entirely different feature set to all payment cards, making it stand out from the pack. An electronic paper display. Battery-free. Invisible Mode. No other card can do what EVC offers.
4
Top-of-Wallet
Frictionless. Convenient. Innovative. And just cool. EVC makes your debit or credit card the one at the top of your wallet. Why reach for anything else when EVC equipped cards make fraud a thing of the past?
ATMs
POS
Mobile
Invisible
Mode
USE CASES
EVC-Ready payment cards operate on universal EMV rails, meaning they can be used anywhere that traditional credit & debit cards are used. From ATMs to point-of-sale systems in stores & restaurants to even your bank's mobile app; your card's security is under your control with EVC.
The All-In-One micromodule is a drop-in upgrade to any credit or debit card that uses an EMV chip. It incorporates all the technologies into a single unit that's easy to deploy with minimal software changes for the issuer-processor. Every module is assembled at the highest quality and meeting every industry standard.
Contact/Contactless
Battery Free
Power Harvesting
Always On ePaper Display
SECURITY YOU CAN SEE
Drop-In Module
Inductive Coupling
Direct Connect
EMV Chip & OS Agnostic
*FIS Survey 2022
EVC Enabled EMV
Traditional EMV
Virtual/e-Cards
FEATURES CHECKLIST
Accepted Everywhere
Yes
No
Yes
Dynamic CVC2/CVV2
No
Yes
Yes
Battery Free
Yes
No
Yes
Invisible Mode
No
No
Yes
Proactive Physical Card Protection
No
N/A
Yes
Proactive Card-Not-Present Fraud Protection
No
Yes
Yes
False Decline Protection
No
No
Yes
Consumers Would Pay Extra*
No
No
Yes
GET THE EVC DEMO APP
Got your hands on an EVC demo card? Use our mobile app, available on both iOS and Android, to test out the dynamic security code right from your smartphone. It's also the only way to try Invisible Mode, a way to manually clear the EVC display to secure your card's data from prying eyes.
FAQs
EVC (Ellipse Verification Code) is a next-generation chip integrated into your debit or credit card. The EVC chip enables cards to display a dynamic security code (dCVV2/dCVC2) that automatically changes when the physical card is used at any point-of-sale, ATM, or via your issuer’s mobile app. The dynamic security code replaces the printed security code on the back of the card, making your card more secure from fraud.
The EVC technology and chip were developed by Ellipse (www.ellipse.la). Ellipse works with your card issuer to not only provide you with your EVC-ready card, but also a feature in your issuer’s mobile app to refresh the dynamic security code on your own.
No. Whichever dynamic security code is currently displayed on your card can be used for each online transaction, just like the printed codes of old. The dynamic security code is synced to the data your issuer has, so there is no need to manually re-enter the code online.
The EVC chip and EVC-ready cards do not have any battery at all. Instead, a small amount of energy is harvested when you use the physical card at any point-of-sale, ATM, or your mobile app on your phone – just enough energy to change the integrated e-paper display to change the dynamic security code.
No, the EVC chip only uses industry standard Near Field Communication (NFC) so there is no interference with cellular signals.
Your issuer’s mobile app has a feature to refresh the EVC display, or clear the display altogether (known as Invisible Mode). Please follow the mobile app instructions here to use this feature. You can also visit an ATM and perform a consultation transaction, and the security code will be updated.
Invisible Mode is an additional feature on EVC chips that clears the display entirely, so there is no security code shown on the screen. This adds physical security when handing your card to a 3rd party (eg. a waiter at a restaurant). Invisible Mode is accessible through your bank's mobile app.
EVC codes change when you use the card at any point-of-sale machine, ATM, or use the app to manually change it. This means that the code changes when you tap or dip your card at a store, payment terminal, vending machine, etc… You can always choose when your card’s code changes/are always in control of when your card’s code changes.
Your EVC code does not change every time you use your EVC card. It only changes when you tap or dip your card in an in-person transaction. It does not change when you use your card to buy something online, over the phone, or through mail-order.
EVC protects your card information by making your security code (CVC/CVV) dynamic, rendering any compromised card data unusable with each change of the code. The code changes every time you physically use your card at a point-of-sale, ATM, or even via your bank's mobile app. That way, your card information is refreshed constantly, without you having to do anything different.
Use your EVC card like any other credit or debit card! Nothing changes about your buying experience. EVC works with any business -- online or in-store -- that takes standard credit & debit cards.