X9A Electronic and Emerging Payments Subcommittee – Project Status

X9.58 Financial transaction messages — Electronic Benefits Transfer (EBT) — Supplemental Nutrition Assistance Program (SNAP) and cash benefit programs

The X9A Retail Payments Subcommittee will soon begin their work on revising the X9.58-2013 Financial transaction messages – Electronic benefits transfer (EBT) – Food Stamps standard. Standardization of the processing of SNAP EBT transactions provides cost efficiency, ease of conversion, data and reporting consistency for the SNAP program. Stakeholders include USDA FNS, SNAP State programs, SNAP EBT processors, SNAP third-party processors, software developers, terminal manufacturers, retail grocers and their software providers. The subcommittee is looking for subject matter experts and stakeholders who would be interested in revising this standard. If you are interested in revising this standard click here.


X9.138 Distributed Ledger Technologies Terminology

There are many new DLT, blockchain and smart contract initiatives sprouting up in the US and around the world. Unfortunately, each new effort seems to assign the same terms to different meanings. Due to a lack of standards, there are misconceptions about the meanings of security capabilities, conflicts with the long agreed meanings of terms used in contract law, and a lack of understanding of requirements specific to the financial services. A set of defined terms based on those commonly understood and used in the financial services will benefit our industry. These terms will assist our regulators, inform future legislation, and provide consistency in the development of future X9 standards for the financial services. The X9A1 workgroup will be developing a standard that defines such terminology. If you are interested in developing this standard click here.


TR-48 Card Not Present Fraud Mitigation

This is a new technical report (TR) that has been developed by the X9A23 CNP (Card Not Present) Fraud working group. This TR summarizes best practices to mitigate CNP fraud in the U.S. This report identifies enhanced security practices that could be adopted, as appropriate, by all the relevant stakeholders within the card payment system including merchants, processors and financial institutions. The report also provides better information for assessors, auditors, and regulators to evaluate fraud risk and controls in the card payment ecosystem. The TR has been published and is available for download.

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