Revolutionizing the World through Efficient Accessibility: The Battle Between EMV and RFID




The world is now in a fast-paced environment because of the aid of technological advancements. With the help of high technology, every movement made by the consumers is after efficiency and reduces the possibility of wasting several hours for a minute-worthy service. As the world changes quickly, so does how humanity live its day with loads of tasks to perform. The reliance of every society on technological innovations led us to acquire everything in an instant.


The world’s tremendous dependence on technology has bigger relevance to easy-access features offered by all high-tech inventions. Two of the inventions powered by high efficiency and snap access are EMV and RFID technologies. These inventions allowed us, the consumers, to rethink a lot of things in our time.


The EMV and RFID are smartcard technologies that make limitless transactions for consumers to do in a matter of seconds, bidding farewell to the long process of doing transactions that may take a few or several days. Although both are promising and intentionally created to expedite the need of providing the customer’s needs, both technologies are created with different offers of efficiency and accessibility. Need not be confused, let’s discuss and differentiate EMV and RFID technologies from each other.


In the paragraphs below, let us further explain how these technologies can help you and compare their specific features to deeply understand these new-age smartcard technologies.


What are the EMV and RFID Technologies?

What are the EMV and RFID Technologies

I know that as consumers or tech enthusiasts, you have already heard or become familiarized with the terms EMV or RFID. Some may have heard at least one of them, for sure it’s quite rare to know that consumers never heard any of the two.


Since smartcard technology runs rampant in every transaction we make, making a financial transaction becomes easier for us, the consumers, to perform such whenever the need arises. But don’t belittle these smartcards despite being chip-operated, they are tightly secured when it comes to verification mode. These two smartcard technologies are now behind the intent of making every transaction contactless and processes have been occurring in the blink of an eye- EMV and RFID Technology.


The EMV stands for Europay, Mastercard, and Visa. The EMV is the technical standard for payment methods that we use today. Paying online or sending money to someone in a matter of seconds has finally materialized through EMV. What makes it a smartcard technology is because of its chip cards embedded in the magnetic stripes to your ATM cards. You heard it right, most of the ATM cards you have now are already EMV-operated.


Storing your data through an EMV card has made the magnetic stripes of your cards more protected and useful for online transactions. EMV cards work as a “chip and pin,” which means your chip contains your data and financial whereabouts while the pin serves as your unique passcode to prevent any forms of hacking to your financial balance. When the EMV has been mobilized by the financial transactions, you can now make transactions online without the need to undergo a physical process or the so-called “swipe the card.” However, to keep the transactions secured and protected from possible hackers, a verification method is needed at your end to ensure whether you made the transaction or not.


On the other hand, RFID or Radio-Frequency Identification has been used to identify and track tags attached to the objects. This type of smartcard technology merges the use of a barcode system and the use of electromagnetic fields. However, unlike the barcode, RFID does not need a physical code anymore to make an automatic identification for objects or people. The RFID is also a 100% contactless transaction. It means that without the physical tag, you can make a transaction as long as the RFID scanner can verify and read the data of an object or a person.


Since theft was rampant in businesses when technology was not as emerging as it is today, the sole purpose of RFID is to track the movement of objects (through the aid of their RFID tags), expedite the workload and transaction, or automatically store loads of data. However, unlike the EMV, the RFID does not limit itself to the idea of becoming an object tracker, but would also tighten the security of the possessions or information of a person. In this era where theft and hacking have not been halted despite the efforts to increase security features, the presence of RFID is to limit such activities from penetrating to person’s information, possessions, or belongings.


Both smartcard technologies are now fully defined, but we cannot still identify what will emerge as the winner in the battle of RFID vs. EMV. As these smartcard technologies raced to dominate the world, access to technology has already been the primary challenge to countries around the globe.


Now let’s get to know other essential things about EMV and RFID.


What do EMV and RFID have in common?

What do EMV and RFID have in common

Both EMV and RFID shared similarities as both wanted to forever elevate the transaction process that the consumers wanted to make. As the population and their demand for services increase exponentially, the need to access specific services must take effect as institutions cannot afford to accommodate them well in no time. With the help of smartcard technology, institutions can finally ease their workflow and prioritize its betterment while seizing the opportunity to experience high customer satisfaction.


Here are a few of the examples that the EMV and RFID have in common:


  • Fast Access

-Fast Access

Both EMV and RFID offer fast access to consumers all around the world. When you make a transaction, rest assured that it is contactless and does not necessarily need your physical card to be involved. In a world where most of the transactions are made virtually, consumers do not need to stress themselves by making a physical transaction. Access to financial transactions or other features became easier and the process was now smoother and streamlined. Aside from that, transacting online is now real-time. In other words, when you send money to someone, they will receive it in no time.



  • Security Features

-Security Features

Primarily, both EMV and RFID were materialized by experts in the technology field to strengthen the security features of your identity and possessions. Hackers and thieves formulate new strategies to outsmart their victims. It is also right to counter their plans by strengthening the security features of your information or financial matters through the help of either EMV or RFID. Now that both smartcard technologies offer security features, it will be problematic for hackers and thieves (and phishers as well) to tear down these security methods. Although smartcards are not 100% protected from possible attacks, they can neutralize attackers from stealing or using your identity for criminal activities.

  • Convenient


EMV and RFID technologies use swipe or scan access, making them convenient for consumers to use. Now that it is convenient, it can store large amounts of data that when used by industries or small companies. RFID and EMV cards can now serve as multi-functional payment methods.


  • Game-changer


When RFID and EMV cards were introduced as contactless payments they forever changed the way we do transactions. Both cards can now act as a secured payment method, identification tag, industrial tracking device, product tracking, logistical tracking, and many more. These cards are now aiming to make a smooth workflow for any company or industry.


Comparing Game-Changing Technologies: Difference Between EMV and RFID


Difference Between EMV and RFID


  • Mode of Accessibility

Mode of Accessibility

When it comes to mode of accessibility, RFID focuses on being a multifunctional card. This means that RFID does not limit itself to contactless payment transactions. RFID, despite its multifunctional features, tends to be more accessible in utilization than the EMV. However, EMV cards are still accessible through financial transactions, making it focused on the tightened security of the consumer’s data in their financial transactions. EMV may or may not involve physical money, but RFID is a 100% contactless transaction. In the case of RFID, every transaction has to be through swipe and scan.


  • Transaction Process

-Transaction Process

Both the transaction process of EMV and RFID assures its consumers to have a real-time transaction, whenever and wherever they are. Aside from a secured transaction, the transaction process of both smartcard technologies does not take long. Both smartcard technologies promise real-time, shorter transactions that value your time from lengthy, unassured transactions.


  • Intent of Utilization

-Intent of Utilization

The goal of EMV cards is for the consumers to achieve a secured financial transaction. On the other hand, the goal of RFID cards is for the consumers to have a multifunctional device that eases their lifestyle, and workflow, or achieve higher customer satisfaction. RFID cards guarantee to keep the consumers from achieving many tasks in a short period. While EMV cards are intended to protect consumers from risky transactions.


  • Durability


The durability of RFID is higher than that of an EMV card. The RFID can be utilized for 8-10 years, while the EMV card can only be utilized for 4-6 years. The RFID aims not just to be multifunctional, but also to be used for a longer use of time. EMV cards tend to have a fragile part that once broken, would take some time to be replaced with another one.


  • Cost


The EMV card is more cost-effective than the RFID because of its length of utilization. As the EMV card has a single purpose, the RFID’s multifunctional features made it to be less costly than that of the EMV. However, RFID is worthy of investment due to its durability and multifunctionality. In the case of the EMV card, its cost-effectiveness was due to its shorter years of utilization.


  • Versatility


When it comes to versatility, only RFID presented itself as multifunctional use than the EMV card. You cannot just pay or send payment to other people, it has multiple uses that ease your lifestyle, work, office, or other functions. The versatility of RFID does not limit itself to the existence of cards, it has wristbands, tags, and chips. Unlike RFID, EMV has limited itself to cards.


Cons of EMV and RFID Technology:


  • Identity Skimming

-Identity Skimming

One of the challenges that EMV and RFID Technology are facing is phishing activities that will steal the consumers’ data or possessions. Although EMV is more secure than RFID, identity skimming evolves as well to put the guard down of the RFID. Compared to EMV, when an RFID card is lost by the consumers, it would take a long process to delete the consumer’s data so it can no longer be used by anybody who attempts to use it. As a multifunctional card, RFID’s primary challenge lies in its security.


  • Limited Access

Limited Access

Compared to the multifunctional features of RFID, the EMV limits itself to a more secure financial transaction. EMV has still managed to dedicate itself to making your debit and credit cards more secure than to elevate itself as a multifunctional card. This limited access offered by the EMV makes it unique and acknowledged by the financial sectors. Not only does it make your financial transactions secure, but it also involves the “pin and verification code” that makes it possible for hackers to steal the consumer’s data.


  • Convenience in Transaction

-Convenience in Transaction

RFID cards and gadgets may find it difficult in some countries around the world to be utilized for their daily transactions. Most consumers from third-world countries lack knowledge about the use of RFID cards and gadgets. Moreover, not all establishments adopted the use of RFIDs because it was not introduced to all countries properly. Although the utilization of RFIDs started to go high in developed countries, it was not as recognized and used as the EMV.


  • Slow Implementation of High-Technological Dependence

-Slow Implementation of High-Technological Dependence

As EMV is widely recognized by all countries around the world, the slow implementation of RFID makes it a challenge for it to be used by consumers around the world. Many third-world countries do not use RFID cards and devices as it would take some time to be introduced. The slow implementation of high-technological dependence on RFID contributes to it becoming unfamiliar to third-world countries.


  • Wallet-Unfriendly Size

-Wallet-Unfriendly Size

Although EMV assures that it could fit in your wallet, some RFID cards or devices do not fit in your wallets, a problem that most consumers are facing when having their RFID cards or devices. This is because the RFID cards or gadgets may be in different sizes, shapes, or durability. It may come in handy, but not all RFID cards or gadgets are suitable for your wallet. Unlike RFID, EMV cards are uniform in size and durability but differ in style. Before buying large volumes of RFID cards or devices, see to it that the consumers are extra careful in their belongings since not all can be kept in their pockets.


Knowing the Best for Me- Battle of EMV vs RFID in their Features


Knowing the Best for Me- Battle of EMV vs RFID in their Features


Knowing who will win the battle of EMV chip card vs RFID would be a challenging task that the consumers must take into consideration. Before purchasing any of these smartcards, it is vital to be educated about their features, similarities, differences, and even length of service. As you have been previously informed everything about the two smartcard technologies, it is high time for you to choose which is more convenient to your lifestyle.


Choosing EMV would be a significant aid to your financial aspect. As EMV is leaning towards a secured financial transaction, EMV has limited itself to financial transactions alone. Should you hope for an easy payment method for your customers, perhaps setting your virtual payment mode to purchase your online needs? EMV has been tried and tested over time. If you are to use smartcard technology for financial matters only, the EMV is the best option for you.


Meanwhile, choosing RFID technology would be a greater aid if your goal is to have a secure home, office, industry, or all of them. RFID technology has been magnifying itself to any industry that provides a comfortable workflow. RFID technology does not limit itself to tightened security, it also promises data retention, crowd control, better access to services, and a lot more. Although newer and in the progress of bolstering itself in the technology industry, RFID technology is the better option if your goal is to adopt smartcard technology in your busy lifestyle.


The best option for you would depend on your lifestyle. It does not mean that the EMV chip card offers one advantage over the RFID technology (that offers many contactless transactions) means EMV is no match to RFID. In addition, let us reiterate that RFID, despite its promising advantages for consumers, is not as widely recognized and used as smartcard technology in comparison to EMV technology.


Final Takeaway


Let’s compare the EMV and RFID Smartcard Technologies through their Features:


More Secured
Many Forms
Update cookies preferences
Scroll to Top