Tag Archives: POS systems

In the News: Small Firms Not Ready for Liability Shift

September 28, 2015 Abtek Leave a comment

With the liability shift now less than a week away, merchants, especially smaller ones, are struggling to upgrade their terminals in time. COO of Abtek, Tami Cohorst was recently quoted on the topic in the Statesman Journal, sharing her expertise on EMV technology and how it will affect consumers. Here’s a look at what she had to say:

“The most important thing for the consumer to understand is that their card should be handled differently at the point of sale. Consumers will need to note that their card should be inserted into a reader rather – not swiped. If the business swipes their new card, then all of the security benefits of their EMV card are nonexistent,” Cohorst said.

Continue reading the full article on the Statesman Journal –>

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EMV® Cards

EMV Equipment Guide

September 23, 2015 Abtek Leave a comment

By now, if you haven’t updated your payment equipment to be compatible with EMV chip cards, you’re already a step behind. But, don’t fret—if you own a small business, there’s still time to get new terminals before the liability shift hits on October 1. This late in the game, it will actually be tough to find a new point of sale system that isn’t compatible with EMV chip cards. That’s good news for you because it will make your search easier, plus you’ll have a wide selection of options. We’ve put together a guide to help you determine which type of EMV terminal is right for your business.

What Exactly is an EMV-Compatible POS System?

An EMV terminal differs from traditional magnetic stripe terminals in one major way: it includes a chip-reading portal into which customers insert their EMV cards. This portal features technology that can read the unique payment information that’s generated by the microchip embedded into the card.

What are Your Options?

Different types of businesses have different needs when it comes to payment processing. Here’s a look at the most popular types of EMV-compatible terminals available.

Countertop Terminals – Like their name implies, countertop terminals are placed on top of the checkout counter for customer use. These terminals are available with a number of different features including WiFi connectivity, receipt printing, near-field communication technology and more.
Pin Pads – Pin pads function similarly to countertop terminals. The only difference here is that they can only be used to process debit transactions, which typically have lower fees for the merchant. Often, pin pads are used in conjunction with compatible countertop terminals.
Near-Field Communication Peripherals – NFC is a technology that enables wireless data transfers between two devices in close proximity, often a phone or enabled credit card and a credit card terminal. NFC is kind of like a modern, cool “bonus” feature that can help to speed up the payment process. If the technology is not already embedded into the terminal, peripheral equipment is available.
Wireless Mobile Terminals – Mobile terminals will be key for businesses in the restaurant industry and businesses that interact with their customers on the floor. (Think Apple.) These point-of-sale systems are battery-powered, feature wireless connectivity and give the merchant the freedom to process payments from anywhere.

Where Can You Buy an EMV Credit Card Terminal?

If you work with a reputable merchant services provider (MSP), they’ll have a large inventory of EMV terminals for you to choose from. They’ll take care of all of the programming for you to ensure that it works properly in time for the liability shift. While you could technically purchase a terminal from an outside seller, it would still need to be reprogramed by your MSP, so it’s typically easier and more cost-effective to go directly through your provider.

Don’t Delay – Get Started Now!

Contact your merchant services provider today to place your order for new EMV-compatible terminals. The sooner you take action, the better the chances that you’ll get through this EMV transition chargeback- and fee-free!

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Data Breach, EMV® Cards, Merchant Service Providers, Tips

5 Signs It’s Time to Upgrade Your POS System

May 15, 2015 Abtek Leave a comment

An outdated point-of-sale (POS) system may not only be holding your business back, but endangering your customers as well. Many retailers, however, are reluctant to upgrade their payment processing systems and terminals because of the resources (i.e. money, time) required to do so.

“Every two to three years a big change emerges in retailing. Every four years in-store processes change. But retailers only change their POS every seven to 10 years. POS has become a big problem retailers need to solve,” said Leo Suarez of Toshiba Global Commerce.

While it’s easy to simply stick with the familiar, failing to switch to new POS technology can have serious consequences such as slower transactions, lack of usability and lost profits. In addition, if your POS system is behind the times, it’s very likely that you are putting your customer’s data at risk.

No business owner wants to spend unnecessary time or money, so how do you know when you really need to upgrade your business’s POS system? Here are the top five signs that indicate it’s time for an update:

1. It’s Not EMV-Compliant

By now you’ve probably heard about the rapidly approaching EMV liability shift. If your business isn’t equipped EMV-compliant POS systems by October 1, you will be liable for out-of-pocket coverage of losses due to fraudulent transactions. It’s critical for your business to update its POS system before the liability shift to ensure that you’re safe from these new costly consequences.

2. It’s Not Customer-Friendly

Today’s shoppers are very tech-savvy and many don’t need any guidance on how to use POS systems. But, when your terminals aren’t functioning properly or aren’t integrated with a user-friendly software program, your customers will get easily frustrated–and unhappy customers are bad for business.

3. It’s a Standalone System

If your business has a standalone POS system, it’s probably perpetually outdated. Since this type of POS requires time-consuming manual software and hardware upgrades, it is extremely easy for business owners to let the technology slide. And once the technology gets so far behind, the cost to upgrade increases exponentially. An integrated solution, on the other hand, allows for software updates to be pushed through automatically, without requiring new hardware or much effort on the business’s end.

4. Its Quirks are Just Getting Out of Hand

Sick and tired of that coupon button not working? Fed up with your POS system’s tendency to shut of in the middle of a transaction? Save yourself the headache of dealing with these little “quirks” and invest in a new system–you’ll be amazed by how less stressed you feel, and how much time you’ll save!

5. It Doesn’t Align with Your Needs

Businesses are continually evolving, so your POS system should be flexible in order to meet your changing needs. Since your business will likely need to update your POS system due to the EMV liability shift, take this opportunity to pick out a system that will accommodate your needs several years down the road.

If your business is experiencing any of the above signs, it’s time for you to upgrade your POS system. Embrace the change! If you aren’t sure where to start, give us a call–we’re more than happy to help walk you through your POS system options and help you understand the updating process.

Stay updated on payment processing trends by following Abtek on Twitter and Facebook. Sign up to receive our newsletter, too.

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Data Breach, Merchant Service Providers, PCI Compliance

Could Your Payment Processing Methods Be Endangering Your Customers?

March 16, 2015 Abtek Leave a comment

Adopting good business finance habits ensures an establishment’s security and longevity. When credit card processing is treated with acute attention, point-of-sale transactions are quick and simple.

However, many businesses engage in a slew of less-than-safe practices, capable of undermining the entire establishment’s security.

Both negligence and bad bookkeeping can severely harm a business—and poor payment processing can compromise its customers.

Insecure Data Storage

Merchant services requires consistency and protective storage methods. Unfortunately, when PCI compliance isn’t regularly practiced, digital payments may reduce an organization’s security.

An Oswap.org business data breach analysis has figured in the many threats posed against companies utilizing point-of-sale technology. Store-based devices aren’t entirely safe from malware, malicious users or false authentication. Similarly, the following habits can severely compromise a customer’s security at, and after, the register:

Writing down credit information by hand
Using insecure mobile applications for promotions
Improper maintenance of addresses, social security numbers and credit card data
Easily accessible information systems

The Importance of Employee Training

Delegating business tasks effectively ensures a resource-savvy business. However, employee training benefits the customer’s security directly.

Task distribution promotes business connectivity, and a well-connected business may further assist its customers. When employees aren’t trained effectively, however, their customer attentiveness may dwindle. Similarly, they may forget or fail to execute vital actions needed for customer safety.

Anyone operating a business register or information database should be capable of utilizing supreme precaution. A negligent employee may not mean to compromise a customer’s information—but poorly trained job skills can absolutely exploit important information.

Credit Card Security

Forgers often utilize fraudulent credit cards and their potential danger should be understood. This primarily affects the business, rather than the consumer. However, anything capable of targeting a business’s secure data infrastructure should be considered a vital security risk to everyone involved.

When examining credit cards for purchases, merchants must remember to check the following:

Valid expiration dates
First four account numbers above the card’s first four numbers
Three-dimensional security hologram
Matching signatures

Fraudulent credit cards can affect a business when high-tech sales processing machinery is forgone, which is why maintaining comprehensive point-of-sale processing is incredibly important.

Remember: The consumer is relatively unprotected during most transactions. While a business actively maintains systems to ensure their own privacy and sustainability, consumers may be exposed. Proper routines, effective employee training and a watchful eye during transactions will not only protect the consumer’s information—it’ll breed a business atmosphere deserving of trust and success.

Stay updated on payment processing trends by following Abtek on Twitter and Facebook. Sign up to receive our newsletter, too.

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Data Breach

5 Bad Habits Putting Your Business at Risk for a Data Breach

February 16, 2015 Abtek Leave a comment

A data breach occurs when an outsider obtains customer information, putting customers at risk for fraudulent charges and identity theft. It can also threaten the reputation of businesses.

There are useful practices and various steps a business can take to prevent such breaches.

1. Sticking with old, familiar technology

It is important for businesses to keep up with technology. They must upgrade security in addition to the ways they process payments. While it can be more costly to move to the newest methods, it makes customer information much more secure. After all, those who would illegally gain access to customer information will be using new technology—so why shouldn’t your business stay one step ahead?

Target is an example of a major company that had a data breach due to outdated technology. To prevent this issue in the future, they’ve begun to implement the technology to be able to process mobile payments.

2. Using the same POS system across all stores

Business owners can be tempted to go with what they know, especially if they’re a chain. They become familiar with certain technology, and so they tend to use it in across all stores. However, this habit should be changed. Businesses need to have different computer systems for franchise stores, especially with regard to POS systems.

Jimmy John’s stores were the victims of a major data breach because many of their POS systems were the same. The perpetrators of the data breach were able to clone payments once they figured out how the POS systems worked. If the chain had different POS systems, the data breach may not have occurred.

3. Not updating encryption

Encryption of information is the most important way to protect your customers. Encryption scrambles customer data, such as credit card numbers, and makes it unreadable. That way, in the event of a data breach, the information obtained is useless.

Home Depot was hit with a data breach that originated from malware. Home Depot’s security system could not protect against the malware due to how new it was. But, updated encryption software would have made the data unusable to those who created the malware.

4. Insecure employee login information

Employers must give employees access to computer systems and data in order to do their jobs. However, it is easy to become complacent with employee login information. Employee passwords may be easy to guess. Employee credentials may not be deactivated when an employee leaves. Business owners must cease those bad practices. Employee passwords should be complex and changed every few months. Credentials must be deactivated when an employee leaves.

eBay’s data breach occurred because the thieves used employee login information. It is not clear how the hackers had access to employee credentials, but if eBay had made employee credentials more secure, the data breach may have been prevented.

5. Failure to watch computer systems

Businesses must regularly watch computer systems, especially POS systems, for signs of a potential security issue. They should look for any irregular transactions or payments. They should check the system for malware and viruses. It is easy to trust security, but vigilance will prevent a data breach from going unnoticed.

In the case of the Neiman Marcus data breach, they failed to check their systems. Not only did the data breach occur, but it went unnoticed for months, despite malware being on their POS systems. It is vital that businesses scan for malware and harmful programs on a regular basis.

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Merchant Service Providers

3 Ways Merchants Can Revolutionize the POS Experience for Customers

February 4, 2015 Abtek Leave a comment

Merchants today are using innovative technologies to improve the customer experience, giving the buyer more power and more control over the POS process. Customers are responding with increased enthusiasm to improved POS systems, and with renewed interest in the way they buy. This can be seen at retail leaders like Apple, in the everyday buying experience with online retailers and even when ordering a sandwich from tech savvy restaurants.

Using New Tech to Revolutionize POS

We can look at a few examples to see how merchants are leveraging technology, merchant services options and smart sales techniques. They use what they have available to make their jobs easier, improve sales and excite customers. Consider the following:

Apple iPad Checkout

Apple stores are famous for having numerous “Geniuses” available to guide customers through the purchasing process. It is easy to get help there when you need it, and no customer is left in the dark on what is available and what will work best for him or her. But Apple goes one step further by giving the control back to the customer–and highlighting one of its flagship products, the iPad.

When customers want to start choosing what to buy, customizing and adding different components, they are given an iPad to do it on. They can enjoy the tactile feedback and high quality visuals offered by the iPad, and choose exactly what they want to add to their shopping carts. It’s a great idea, and may even lead to an additional iPad sale. Credit card processing can be initiated on the iPad as well, making the process a complete experience.

Online Countdown Deals

Many ecommerce retailers have discovered a way to get shoppers more involved and active while perusing their stores. These merchants offer limited time deals that are tied to a countdown clock. The shopper has the option to review the deal, but is only given a limited time to decide whether or not to buy. Smart merchant services providers make this easy, giving merchants quick and painless credit card processing options and the technology to customize the shopping experience with things like countdown deals and customized shopping experiences.

Self-Checkout Sandwiches

Even certain restaurants are getting on the technology wave, using mobile merchant accounts and iPads to let customers do their own ordering. These restaurants display a menu, give a written explanation of how the system works and then allow customers to order exactly what they want on an iPad. Instant online payments and credit card processing through modern merchant services providers make customer payments a breeze as well. This also makes customized ordering–no mayo, add mustard, hold the pickles–painless for the buyer.

Customers Love Innovation and Control

Consumers enjoy using innovative technologies like touchscreens to enhance their buying experience. They also appreciate the control that these tools give them. Granted, there will always be a few people that dislike what’s new. Returns, complaints and chargebacks will still occur. But overall, these revolutionary approaches to POS and customer experiences offer a better way of doing things, both now and in the future.

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Tips

Scan vs. Swipe: The Benefits of NFC Payments

January 19, 2015 Abtek Leave a comment

With its Apple Pay product, Apple is kick-starting the scan vs. swipe revolution that credit card and mobile wallet companies have been trying to usher in over the past few years. Scanning, which allows brick-and-mortar businesses to be more competitive with ecommerce ones, was made possible through the development of near field communication (NFC)—a technology that allows two devices to communicate and exchange information with one another wirelessly.

Stores and businesses equipped with NFC technology can scan a customer’s card or smartphone for payment instead of swiping their credit card through POS systems. So how do NFC payments benefit you and why are merchant services companies promoting it?

Ease of Use

NFC is easy for both retailers and customers to use. Set up and installation is simple and your merchant services provider can answer any questions you have. Consumers simply scan their credit card or smartphone for payment. For smartphone users, there’s the extra benefit of not having to carry multiple store and credit cards in their wallets. They can pre-load all payment information to a mobile wallet app on their smartphone.

Cost Reduction

Businesses that want to offer NFC payments as an alternative to traditional credit card processing will have a one-time cost of purchasing the readers. Readers are reasonably priced and can be obtained from your merchant services company. Reduced paper product use will save you money and attract customers who prefer to do business with environmentally conscious companies. Aside from the purchase of the reader, NFC payments can cost you less annually than standard credit card processing.

Payment Processing on the Go

Since there are no paper receipts requiring signature, payment processing via NFC is much faster. Businesses equipped with NFC readers can handle more customers in a day than those with standard POS systems. Customers who like the ease of online payments will be drawn to businesses that offer self-service NFC readers at their checkouts. Service professionals and salesman in the field who have mobile merchant accounts can also take advantage of NFC.

Advertising and In-Store Marketing

NFC lets customers quickly and easily redeem coupons and gift cards, and add to loyalty reward programs—benefits that are unavailable with traditional credit card processing. Besides these wins for customers, you can use NFC to offer discounts for and promote your products and services. Retailers can also take advantage of NFC’s in-store marketing capabilities. As customers near certain products or areas in a store, NFC can send targeted coupons or product information to their mobile devices. Through various mobile programs and apps, customers can trade discounts and offers with other users.

Improved Security

Magnetic stripe readers are subject to counterfeit cards and skimming. Enhanced security technology that can eliminate these types of fraud is compatible with NFC’s wireless communication, but not with magnetic stripe readers. Reduced fraud means fewer chargebacks and more profits for merchants.

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Chargebacks

Keep Your Holiday Profits: Chargeback Prevention Tips

January 12, 2015 Abtek Leave a comment

The holiday season has once again come to an end. Whether your customers used in-store credit card processing systems or visited your ecommerce site, you don’t want to see your holiday profits whittled away by subsequent chargebacks.

Common Reasons for Chargebacks

Before we discuss how to prevent chargebacks, let’s look at the most common reasons that chargebacks occur.

Fraudulent card was used
Cardholder disputes merchandise quality
Incorrect amount was charged to the card
Errors occurred during credit card processing
Proper authorization wasn’t obtained

General Prevention Tips

Here are some general chargeback prevention tips that apply to merchants who accept online payments as well as swipe cards on POS systems.

Be sure the customer recognizes the business name you give to your merchant services company. Many chargebacks occur because customers don’t recognize the business name that appears on their statement.
Respond to retrieval requests in a timely manner. If you don’t respond within the number of days allowed in your merchant services agreement, it’s likely a chargeback will occur.
Get an authorization 100 percent of the time. Failure to get an authorization will result a chargeback.

Prevention Tips for Swiped Cards

Following are tips that merchants who process cards through POS systems or mobile merchant accounts can follow to lessen the chance of a chargeback occurring.

Swipe all cards through your credit card processing terminal. Doing so proves the card was presented at your store. If you have to get an imprint because your terminal is down, be sure all information appears: amount, business name, business location and signature.
Always compare the signature to the back of the card. Understandably your cashiers want to get customers through their lines quickly, but it only takes a few extra seconds to check the signature. Your cashiers should check the signature against a photo ID if there’s no signature on the back of the card.
Ask for another form of payment if the card is declined. Don’t continue to swipe the card.
Make sure the number on the screen and the credit card number match.
Get an authorization for the full sale amount – don’t break the sale amount into smaller amounts.

Prevention Tips for Online Businesses

Here are some helpful tips that online merchants can follow to prevent chargebacks.

Make sure your customer is giving you the correct billing address by using the Address Verification System (AVS).
Provide your merchant services company with a telephone number that it can print on your billing statement. This increases the likelihood that the customer will call you and determine what the purchase is before disputing it with their card issuer.
Use shippers that provide proof of merchandise delivery to the full billing address. This will help you in case of a dispute. Require a signature for expensive merchandise to be left with the purchaser.

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Merchant Service Providers

Merchant Services Companies Can Protect Merchants and Consumers from Identity Theft

September 11, 2014 Abtek Leave a comment

Before consumers will take any risks on making purchases with a merchant service, they need assurances that their privacy is intact, their financial information is secure during credit card processing and that they are being protected from the invasive efforts of identity thieves through merchant service compliance initiatives.

Leading providers of merchant services offer credit card processing and POS systems management to most level 4 merchants such as debit card and credit cards from Visa, MasterCard and others.

Merchants understand, for the most part, that PCI compliance is not just a requirement, but a business responsibility for covering their consumers. Small business merchants believe that complying with PCI standards improves their business security. In fact since 2012, businesses that have stepped up their security PCI compliance have seen up to 50% growth in customer based sales, and even more recently.

Identity Theft Can Happen to Companies and Individuals

Business identity theft protection is as vital to thriving businesses as it is to consumers. When hackers compromise the security of business merchant records, they can get a hold of personal financial records of thousands of customers. With the continuing global growth of ecommerce trade, new innovative controls have been developed over the years to keep ahead of business hacker’s efforts.

Digital Solutions to Credit Card and Identity Theft Threats

Consumers are readily adopting the concept of mobile commerce technologies. Many find it easier to trust mega-corporations to secure customer online payments using business intelligence security using their smartphones and other digital devices than to trust the security of small businesses in brick and mortar shops.

One way financial institutions are protecting consumer security from identity thieves is by using geo-location within their payment and purchasing eco-systems. In fact, mega corporations like Google, Apple, PayPal and Square are investing big time in new geo-based technology. Processes for secure transactions using smartphone apps will soon become recognized as the safer and more secure transaction method, our digital wallets, over physical credit and debit cards.

Retailers have the capacity to provide security in a seamless, secure market with direct service transactions for their customers who elect to use mobile payment technologies. The built in securities in smartphones and payment apps will deter identity theft and wall out hackers, making mobile merchant accounts and their ecommerce companies highly regarded by consumers for their digital protective powers.

Efficiency in Chargeback Procedures and Compliance

An integrated online payment duty of merchant service accounts is to guarantee coverage for following through with customer chargebacks. The financial service industry is more versatile in administering certain guidelines and maintaining reserve funds for chargebacks for dissatisfied credit card holders. There have been many instances with banks denying valid claims because of their restricting regulations.

Pro-Active Protection Methods Used by Merchant Services Companies

Many merchant service companies provide their customers with software that can notify them if fraudulent activities are suspected on their accounts. Some banks will put a temporary hold on credit card activities until the customer makes a call to confirm unusual charges, before anything really serious can happen. If too many password attempts hit a merchant website page, their merchant account will be temporarily blocked until they call in to change the password.

Some merchant services websites outline the steps to take if a suspected fraudulent incident happens to a merchant account; these steps are designed to stop identity thieves in their tracks. Some financial services act as interceders between the seller and purchaser so they never have a printout or stamp of your account, and the information they receive on any transaction is limited. This can be as effective as using encoded passwords and account numbers.

Internet specialists, programmers and software designers are working around the clock to stay ahead with innovative features for safety in the online financial and marketing industry. Many trusted avenues for transferring money are being tasked to ensure that clients have a safe mode of completing business and sales without the danger of identity theft. Users who are observant, make good decisions and follow protection warnings when online can safely avoid identity theft.

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History of Credit Cards

The History of Credit Cards, Part 3: The Evolution of True Digital Credit Card Systems

September 2, 2014 Abtek Leave a comment

Today’s ecommerce depends heavily on digital credit card processing solutions and efficient, reliable, secure merchant services. While business is booming with brick-and-mortar companies relying upon digital POS systems, these digital systems have actually been evolving for over 30 years.

The First Online Shopping Cart

According to ”Internet – Technical Development and Applications,” the first online shopping cart system was demonstrated by a British entrepreneur named Michael Aldrich in 1979. Because of this, Aldrich is actually credited with the invention of online shopping. In other words, he developed the first system that made it possible to conduct online transactions between customers and businesses.

Even though this was the first true “ecommerce” system, that word had not yet been coined. Most people did not really even know that online shopping was possible way back in the late 1970s and even the 80s. In fact, the first internet browser, simply called the WorldWideWeb, was not invented until 1990.

One might also imagine that today’s internet security experts would be horrified by how vulnerable and transparent these first online payment systems actually were. But basic technology has to be developed and demonstrated before it can evolve into the truly useful and secure systems we rely upon today.

In 1992, two years before Amazon emerged, an article called Visionary in Obscurity reported that a bookstore moved their old dial-up BBS system to the internet as Books.com, and it attracted half a million visitors a month at its peak. The owner of the bookstore, Charles Stack, reported feeling very moved because his first online customer told him that he was a blind person who was able to make his own purchases with computer aids for visually impaired people.

Even then, true POS systems had not been developed, and the process of taking credit card information from the online system was partially manual and usually relied up a traditional store’s merchant account. This is similar to the fact that the first mobile merchant accounts actually relied upon sending text messages that needed intervention in order to get processed as transactions.

Early Mobile Payments

You might be surprised to learn that Coca-Cola innovated mobile payments in 1997. They introduced a few vending machines that allowed thirsty customers to send a text message to the machine with payment information. In that same year, Merita Bank introduced a similar system that accepted text messages with payment information for purchases.

No-Contact Payments

Radio frequency identification, called RFID, describes systems that are able to help customers make purchases with a chip and antennae embedded into electronic devices. Most commonly, these devices are smartphones. The customer just needs to wave their phone over a payment terminal in order to make a purchase. In some cases, the system might request a PIN number, but this is usually only for very large purchases or in cases where the automated system detects unusual payment activity for a specific customer.

The first example of this was Speedpass, a product from Mobil that allowed gas station customers to wave a small key ring fob over a payment panel in order to pay for gasoline. Today, ExxonMobil still accepts a Speedpass, and other companies have also adopted this technology.

The Future of Digital Merchant Services

At Abtek, we have provided secure, innovative and reliable ways for consumers to make online payments since 1986, and we continue to keep up with advances in digital technology and security. We thrive in this competitive business with a combination of futuristic solutions and a timeless commitment to customer service.

Besides providing basic credit card processing, we offer mobile merchant accounts, POS terminals and other aspects of today’s digital commerce. Our main commitment is to make certain that our services make our merchant affiliate’s businesses more productive and profitable. Contact us to learn why Abtek can provide the right solutions for your business.

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What Exactly is an EMV-Compatible POS System?

What are Your Options?

Where Can You Buy an EMV Credit Card Terminal?

Don’t Delay – Get Started Now!

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1. It’s Not EMV-Compliant

2. It’s Not Customer-Friendly

3. It’s a Standalone System

4. Its Quirks are Just Getting Out of Hand

5. It Doesn’t Align with Your Needs

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Insecure Data Storage

The Importance of Employee Training

Credit Card Security

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1. Sticking with old, familiar technology

2. Using the same POS system across all stores

3. Not updating encryption

4. Insecure employee login information

5. Failure to watch computer systems

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Using New Tech to Revolutionize POS

Apple iPad Checkout

Online Countdown Deals

Self-Checkout Sandwiches

Customers Love Innovation and Control

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Ease of Use

Cost Reduction

Payment Processing on the Go

Advertising and In-Store Marketing

Improved Security

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Common Reasons for Chargebacks

General Prevention Tips

Prevention Tips for Swiped Cards

Prevention Tips for Online Businesses

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Identity Theft Can Happen to Companies and Individuals

Digital Solutions to Credit Card and Identity Theft Threats

Efficiency in Chargeback Procedures and Compliance

Pro-Active Protection Methods Used by Merchant Services Companies

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The First Online Shopping Cart

Early Mobile Payments

No-Contact Payments

The Future of Digital Merchant Services

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Credit Card Processing and Merchant Account Solutions