What is EMV?

What is EMV?

EMV is a technical standard for smart payment cards and for payment terminals and automated teller machines that can accept them. EMV cards are smart cards (also called chip cards or IC cards) that store their data on integrated circuits in addition to magnetic stripes (for backward compatibility). These include cards that must be physically inserted (or “dipped”) into a reader and contactless cards that can be read over a short distance using radio-frequency identification (RFID) technology. Payment cards that comply with the EMV standard are often called Chip and PIN or Chip and Signature cards, depending on the authentication methods employed by the card issuer.

EMV stands for Europay, MasterCard, and Visa, the three companies that originally created the standard. The standard is now managed by EMVCo, a consortium with control split equally among Visa, Mastercard, JCB, American Express, China UnionPay, and Discover.[1]

There are standards based on ISO/IEC 7816 for contact cards, and standards based on ISO/IEC 14443 for contactless cards (PayPass, PayWave, ExpressPay).



ATM Benefits

CTI’s ATM placements increase traffic and build customer loyalty, and our profit sharing plans are unparalleled in our industry. This no maintenance/no cost approach is an incredible income generator for today’s business owners. We constantly monitor our machines from our central data center which means maximum uptime and maximized profits for you. Our approach allows you to spend time on what matters most – your customers.

CTI is dedicated to your success. Our flexible and efficient solutions are designed to integrate with your business seamlessly. Our professional staff has the know-how and experience to help you achieve your goals. In today’s marketplace, competition is fierce. Customer loyalty isn’t as easily attained as it used to be.

CTI provides the tools and resources to satisfy your customer’s needs and keep them coming back for more.

ATMs allow your customers to access their available cash from check cards, credit cards, and debit cards. When customers have more money, they spend more money. Due to studies done, 10%-20% of the money withdrawn from an ATM is spent in that business. Giving your customers the convenience of an ATM benefits you in three ways, the first being the money you make from the revenue from each transaction done, second is the money they use in your location for purchases, and third is that customers are going to come to a location that better conveniences them (keeping them from going to your competition).


Bank Outsourcing
Financial institutions interested in adding low-cost solutions to increase their footprint on the marketplace need not look any further. A co-branded CTI ATM will gain valuable exposure to prospective clients and existing customers alike. We implement customized campaigns designed to achieve your goals in key demographics. Outsourcing with CTI will reduce operational costs and free up valuable time. CTI specializes in ATM profitability. We have the experience to pull struggling machines from the flames and turn them into mega profit centers month after month. We manage, service and replenish the ATM while you reap the rewards.

Custom kiosks
Appearance is everything. Our custom kiosks will fit seamlessly in any setting. Each cabinet is custom made to specification by skilled craftsmen. From opulent opera halls to private resorts, we can create an ATM kiosk which will be unobtrusive and easily mold with existing décor. An elegant ATM solution is a call away with CTI.

A picture is worth a thousand words, or so they say. Advertising on a static medium which already captures the attention of 90% of American makes sense. CTI offers full color graphics which grab attention while generating income. CTI works closely with seasoned graphic artists to deliver custom eye catching themes. Get noticed, the CTI way.


Welcome to CalTel, Inc.

Delivering High Performance, Cutting Edge Revenue Streams

CalTel, Inc. delivers high performance cutting edge revenue streams to a variety of clients. We build traffic, generate repeat business and increase your bottom line.CTI continuously evolves and adapts to market trends, while providing our customers with the most cutting-edge technology available. Our client list is diverse and varied. CTI provides services to Local and State Government, Lodging and Hospitality, Convenience Stores, Arcades, Night Clubs, and many other industries. CTI can assist virtually any operation that wishes to improve performance and profitability. Our commitment is to provide outstanding customer service while exceeding your expectations. CTI is smart money, made simple.