SB n° 316 Update to Book C-5

EMV® Specification Bulletin No. 316 First Edition January 2026 Updates to EMV@ Book C-5 Applicability This Specification Bulletin applies to: • EMV® Contactless Specifications for Payment Systems, Book C-5 – Kernel 5 Specification, Version 2.11, June 2023 Related Documents • None Effective Date • October 1st, 2026 Description This Bulletin describes updates to the EMV Book C-5 Specification. The main change is as follows: ・ Update to the Requirement (CVM for Transit Reader): The Reader supporting only transit shall not support any Cardholder Verification Methods. The following section provides details. © 2026 EMVCo, LLC. All rights reserved. Reproduction, distribution and other use of this document is permitted only pursuant to the applicable agreement between the user and EMVCo found at www.emvco.com. EMV® is a registered trademark or trademark of EMVCo, LLC in the United States and other countries. Page 1 EMV® Specification Bulletin No. 316 First Edition January 2026 1 Update to the Requirement (CVM for Transit Reader) Replace the section 2.4.1 as follows. 2.4.1 Implementation Options The provider of Kernel 5 will choose whether to support or not the following options in the Kernel 5 implementation: • Cardholder Verification Method The Kernel 5 shall support all Cardholder Verification Methods described in this specification except following case applies: o If the Reader supports only Transit Reader, the Reader provider may choose whether to support or not the Cardholder Verification Method. the Reader shall not support any Cardholder Verification Methods1. o If the Reader supports offline environment only, the Reader provider may choose whether to support or not the following Cardholder Verification Method in the Reader implementation: - Online PIN o If the Reader supports ATM only, the Reader provider may choose whether to support or not the following Cardholder Verification Method in the Reader implementation: - Signature - On-Device CVM o If the Reader supports Unattended Merchant Terminal only, the Reader provider may choose whether to support or not the following Cardholder Verification Method in the Reader implementation: - Signature - Online PIN 1 If the Reader provider would like to apply Cardholder Verification Method to Transit only Reader, please contact JCB. © 2026 EMVCo, LLC. All rights reserved. Reproduction, distribution and other use of this document is permitted only pursuant to the applicable agreement between the user and EMVCo found at www.emvco.com. EMV® is a registered trademark or trademark of EMVCo, LLC in the United States and other countries. Page 2 EMV® Specification Bulletin No. 316 First Edition January 2026 Legal Notice The EMV® Specifications are provided “AS IS” without warranties of any kind, and EMVCo neither assumes nor accepts any liability for any errors or omissions contained in these Specifications. EMVCO DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AS TO THESE SPECIFICATIONS. EMVCo makes no representations or warranties with respect to intellectual property rights of any third parties in or in relation to the Specifications. EMVCo undertakes no responsibility to determine whether any implementation of the EMV® Specifications may violate, infringe, or otherwise exercise the patent, copyright, trademark, trade secret, know-how, or other intellectual property rights of third parties, and thus any person who implements any part of the EMV® Specifications should consult an intellectual property attorney before any such implementation. Without limiting the foregoing, the Specifications may provide for the use of public key encryption and other technology, which may be the subject matter of patents in several countries. Any party seeking to implement these Specifications is solely responsible for determining whether its activities require a license to any such technology, including for patents on public key encryption technology. EMVCo shall not be liable under any theory for any party’s infringement of any intellectual property rights in connection with the EMV® Specifications © 2026 EMVCo, LLC. All rights reserved. Reproduction, distribution and other use of this document is permitted only pursuant to the applicable agreement between the user and EMVCo found at www.emvco.com. EMV® is a registered trademark or trademark of EMVCo, LLC in the United States and other countries. Page 3