EMV: You’re Not Prepared, Now What?

The October 1 liability shift imposed by the major card brands to spur adoption of EMV is a powerful incentive to make the migration. Large retailers have taken note and are likely to be fully prepared so they don’t get stuck with the liability for card fraud that could have been prevented by EMV. Smaller merchants are less prepared. Continue reading

EMV 101: What You Need to Know Now

EMV 101: What You Need to Know Now U.S. consumers are beginning the migration from traditional mag-stripe credit and debit cards to EMV-based chip cards. Here’s what you need to know now. What it is: EMV stands for Europay, MasterCard and Visa, the global standard for cards equipped with computer chips and the technology used to authenticate chip card transactions. EMV encompasses requirements that ensure interoperability between POS terminals and chip-based payment cards containing embedded microprocessors. Chip cards are intended to provide strong transaction security features and other application capabilities not possible with traditional mag-stripe cards. Read more about what EMV isn't, here. Continue reading

Managing Payments Complexity

Whether you’re an ISO, acquirer or merchant, it is virtually certain that your payments environment has become increasingly complex the last couple of years. Advances in device technology – combined with the proliferation of cloud services, mobility and social networks– have created increasingly rapid cycles of innovation and there is no sign that things will slow down. Continue reading


Retailers, Don’t Be a Target for Cyber Criminals this Holiday Season

The latest security advisory from groups like the “Financial Services Information Sharing and Analysis Center,” the US Secret Service, and the Retail Cyber Intelligence Center (I’ll spare you the acronyms) basically say that if you’re involved in security at your organization—particularly in retail—you may be putting in some extra hours over the holidays. Continue reading


Top 5 Myths of EMV

October 2015 is starting to loom large over the U.S. payments industry. That’s when the much discussed liability shift kicks into gear for most merchants. Continue reading