As the U.S. continues its conversion to EMV chip-card technology, the Durbin amendment's requirement for supporting multiple debit networks is presenting yet another challenge to overcome.

The Electronic Transactions Association this week called for a single U.S. debit application identifier, or AID, as a way for debit networks to make a smoother transition to EMV in the coming months. Most other countries have one debit network and, thus, no federal regulations establishing a choice of networks, says Mary Bennett, director of government and industry relations for Washington, D.C.-based ETA.

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