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The Evolving Point of Sale and Security

The point of sale has been evolving over 30 years and, today, merchants want to provide shopping experiences that are aligned with new ways consumers are connecting themselves to the world around them. Put simply, merchants are looking for their payment service providers to do more than simply enable them to accept payments from consumers. Continue reading

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