EMV Delivery of Mobile, Parking and Unattended Payments. Elavon

Size: px
Start display at page:

Download "EMV Delivery of Mobile, Parking and Unattended Payments. Elavon"

Transcription

1 EMV Delivery of Mobile, Parking and Unattended Payments Elavon

2 Elavon-At-A-Glance Elavon s primary business model is growth through partnerships; more than 1,500 Financial Institution partners serving over 20,000 branches Wholly owned subsidiary of U.S. Bank Every day, more than 1.3 million customers trust us to efficiently and securely manage their payments business Global Customers United States: 900,000 Europe: 250,000+ Mexico: 50,000+ Brazil: 30,000+ We extend end-to-end payment solutions, flexible connectivity and effective fraud monitoring tools to customers and partners around the globe Customer and partners are attracted to our robust and secure international processing platform Elavon drives growth for our customers and partners by enabling commerce. 2

3 About Elavon Our Acquiring Solutions Footprint 3

4 Evolution of Payments and Point-of-Sale Yesterday Today

5 EMV and Mobile API and Gateway Acquirer/Processor 5

6 EMV, Parking and Unattended Payments API and Gateway Acquirer/Processor 6

7 Checklist for EMV EMV Hardware Solution with Level 1 Certifications Payment Application with Level 2 Certifications on EMV Hardware Solution SDK for Integration on Mobile Device Mobile or Platform OS Application Gateway, Platform or End Point Acquiring/Processing Scale Holistic Reporting and Reconciliation Security and P2PE 7

8 Key Considerations for EMV Security Flexibility Time to Market Scalability 8

9 9 Thank You!

10 Implementing EMV in Canada Lessons Learned Mike Hughes Manager, North American Strategic Partners March 18, 2014

11 About Moneris Largest electronic payment processor in Canada, 6th largest in North America Joint venture between RBC Royal Bank and BMO Bank of Montreal (including Harris Bank), processing more than 3 billion credit and debit transactions annually As the largest North American processor of EMV transactions, Moneris supports 350,000 merchant locations in Canada with more than 95% EMV enablement Leader in payments processing in the retail, B2B, education, restaurant, travel and entertainment, government, and services industries Full product range with sophisticated customization capabilities 2

12 Canadian EMV Migration Staggered brand introduction of EMV and technology mandates increased the development and implementation effort and created confusion for consumers Stand Alone Devices Currently 98% EMV Enabled Canada is a hardware rental market - upgrades are easier to control Applications self contained and don t bring the challenges of integrated solutions Integrators underestimated the required development effort Most complex solutions can take 2 years from initiation of project to roll out Intermediate complexity 12 to 18 months - Low complexity 6 to 12 months By 2012, 75% of integrated devices were EMV enabled Currently 95% EMV Enabled Hospitality and Petroleum were exceptions, momentum started in Cost of upgrade and pay-at-table technology presented challenges delaying migration Introduction of PED resident payment application solutions significantly reduced integration complexity and effort 3

13 Certification Requirements EMVCo sets the Standards, but it is the Brands who determine what, and how, these standards are Implemented. Layers Management Functions Certification Entity Level 1 - Physical Level 2 - Software (Kernel) PED Payment Application Protocols between the chip card and the PED EMV application selection, EMV command set, and the EMV transaction steps EMV command/response mgmt., encryption, communication protocols EMVCo EMVCo Acquirer on behalf of brands 4

14 Typical EMV Development Activities Component Summary of change Is this required for implementation of a new card brand? EMV Kernel Changes Native Device App Changes Acquirer System Changes POS Application Changes Middleware Changes Merchant Host / Switch Changes Support new requirements by scheme or new EMV options Support New Requirements for a Scheme. Extensive: Switch, back end settlement, dispute, financial and reporting systems Significant: Application, user interface, receipts, communications, support for new EMV parameters Significant: New network and business functionality in a Register application that interfaces to a POS payment device Communication message formats, transaction routing, and possible new communications links. Usually Depending on the complexity of the scheme Frequently - Depending on the POS device software Always - required for support of new card brand Always - required for support of new card brand Always required for integrated systems Always - required for support of new card brand 5

15 Who makes the changes and how long? Component Timeline Standalone (Moneris owned) Integrated (Moneris owned) Integrated (Merchant owned) EMV Kernel Changes Acquirer System Changes Mos. (Once Per Brand) 18 Mos. (Once Per Brand) POS Vendor POS Vendor POS Vendor Moneris Moneris Moneris POS Application Changes: PED App, Middleware, Merchant Host 6-12 Mos. (Once Per Brand Per Terminal) Moneris Moneris Merchant s POS Merchant s POS Software provider KEY Moneris Responsibility Merchant Responsibility POS Vendor 6

16 Using P2PE with EMV: Reducing PCI DSS Scope Integrated EMV Omni-Channel Devices P2PE manages all aspects of the transaction requiring clear-text account data (e.g., BIN lookup for card brand identification, PIN block generation, etc.), and P2PE prevents the release of clear-text account data into the merchant s environment (the merchant only receives truncated or encrypted account data), thus The edge of the PED becomes the boundary of the merchant s Cardholder Data Environment (CDE) Boundary of Cardholder Data Environment (CDE) Merchant Store System and Concentrating Switch/Host Moneris Acquiring PCI DSS Compliant Secure Environment Secure PED with POSPAD app Insecure ECR / Kiosk Insecure Store Controller Merchant Host Moneris P2PE Decryption Gateway Acquiring Switch 7

17 Why Do It? : EMV Dispute Impacts Visa Intl. Liability Shift Oct 31 st 2010 V/MC Domestic Liability Shift Mar 31 st 2011 AFD Liability Shift Mar 31 st

18 Things to keep in mind Understand the Challenge Technology Change Business Change Behavioral / Operational Change Do It Once / Inter-Brand Harmonization 80/20 Rule Commitment New Roles for Acquirers

What is EMV? What is different?

What is EMV? What is different? U.S. consumers are receiving new debit and credit cards with embedded chip technology that better stores and protects cardholder information. These new chip cards are part of the new card standard, Europay,

More information

Apple Pay. Frequently Asked Questions UK

Apple Pay. Frequently Asked Questions UK Apple Pay Frequently Asked Questions UK Version 1.0 (July 2015) First Data Merchant Solutions is a trading name of First Data Europe Limited, a private limited company incorporated in England (company

More information

Your Reference Guide to EMV Integration: Understanding the Liability Shift

Your Reference Guide to EMV Integration: Understanding the Liability Shift Your Reference Guide to EMV Integration: Understanding the Liability Shift UNDERSTANDING EMV EMVCo was formed in February 1999 by Europay, MasterCard and Visa to establish and maintain global interoperability

More information

The Merchant and EMV: What You Need to Know to Prepare for the Magstripe to EMV Transition

The Merchant and EMV: What You Need to Know to Prepare for the Magstripe to EMV Transition Research Brief The Merchant and EMV: What You Need to Know to Prepare for the Magstripe to EMV Transition Glenbrook Partners 2014 1 Table of Contents Executive Summary 3 Why, and How, Now? 4 The Pace is

More information

Flexible and secure. acceo tender retail. payment solution. tender-retail.acceo.com

Flexible and secure. acceo tender retail. payment solution. tender-retail.acceo.com Flexible and secure payment solution acceo tender retail payment solution tender-retail.acceo.com Take control of your payment transactions ACCEO Tender Retail is a specialized middleware that handles

More information

We believe First Data is well positioned to take advantage of all of these trends given the breadth of our solutions and our global operating

We believe First Data is well positioned to take advantage of all of these trends given the breadth of our solutions and our global operating Given recent payment data breaches, clients are increasingly demanding robust security and fraud solutions; and Financial institutions continue to outsource and leverage technology providers given their

More information

Apple Pay. Frequently Asked Questions UK Launch

Apple Pay. Frequently Asked Questions UK Launch Apple Pay Frequently Asked Questions UK Launch Version 1.0 2015 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of

More information

How To Use Fis Payment Gateway

How To Use Fis Payment Gateway FIS Payment Gateway A gateway to card authorisation, settlement & secure data hosting FIS RETAIL PAYMENTS FIS Payment Gateway A gateway to card authorisation, settlement & secure data hosting FIS RETAIL

More information

U.S. House Small Business Committee. On Behalf of the National Grocers Association. October 6, 2015

U.S. House Small Business Committee. On Behalf of the National Grocers Association. October 6, 2015 U.S. House Small Business Committee On Behalf of the National Grocers Association October 6, 2015 The National Grocers Association (NGA) appreciates the opportunity to submit comments for the record to

More information

How To Comply With The New Credit Card Chip And Pin Card Standards

How To Comply With The New Credit Card Chip And Pin Card Standards My main responsibility as a Regional Account Manager for IMD is obtain the absolute lowest possible merchant fees for you as a business. Why? The more customers we can save money, the more volume of business

More information

EMV FAQs for developers

EMV FAQs for developers EMV FAQs for developers You accept the Information presented herein as is, without any representation as to its accuracy or completeness. What are the three levels of EMV certification? There are three

More information

EMV Acquiring at the ATM: Early Planning for Credit Unions

EMV Acquiring at the ATM: Early Planning for Credit Unions EMV Acquiring at the ATM: Early Planning for Credit Unions EMV Adoption Recent data breaches and planned Network Liability shifts have increased the interest in EMV at the ATM and have affected the planned

More information

PCI DSS 101 FOR CTOs AND BUSINESS EXECUTIVES

PCI DSS 101 FOR CTOs AND BUSINESS EXECUTIVES PCI DSS 101 FOR CTOs AND BUSINESS EXECUTIVES CUTTING THROUGH THE COMPLEXITY AND CONFUSION Over the years, South African retailers have come under increased pressure to gain PCI DSS (Payment Card Industry

More information

<COMPANY> P07 - Third Parties Policy

<COMPANY> P07 - Third Parties Policy P07 - Third Parties Policy Document Reference P07 - Third Parties Policy Date 8th October 2014 Document Status Final Version 3.0 Revision History 1.0 9 November 2009: Initial release. 1.1 17 November 2009:

More information

E-Commerce SOLUTIONS. Generate Online Revenue with E-Commerce Solutions. www.monexgroup.com

E-Commerce SOLUTIONS. Generate Online Revenue with E-Commerce Solutions. www.monexgroup.com E-Commerce SOLUTIONS In this report, MONEXgroup examines various types of online payment processing and E-Commerce Solutions. The tremendous transition towards online shopping stores in Canada has opened

More information

A RE T HE U.S. CHIP RULES ENOUGH?

A RE T HE U.S. CHIP RULES ENOUGH? August 2015 A RE T HE U.S. CHIP RULES ENOUGH? A longer term view of security and the payments landscape is needed. Abstract: The United States is finally modernizing its card payment systems and confronting

More information

EMV : Frequently Asked Questions for Merchants

EMV : Frequently Asked Questions for Merchants EMV : Frequently Asked Questions for Merchants The information in this document is offered on an as is basis, without warranty of any kind, either expressed, implied or statutory, including but not limited

More information

E2EE and PCI Compliancy. Martin Holloway VSP Sales Director VeriFone NEMEA

E2EE and PCI Compliancy. Martin Holloway VSP Sales Director VeriFone NEMEA E2EE and PCI Compliancy Martin Holloway VSP Sales Director VeriFone NEMEA Security Breaches In The News 2 Security Breaches In The News 3 Security Breaches In The News 4 Security Breaches In The News 5

More information

EMV Migration and Certification in the U.S. UL's View on Optimizing EMV Brand Certification Processes

EMV Migration and Certification in the U.S. UL's View on Optimizing EMV Brand Certification Processes EMV Migration and Certification in the U.S. UL's View on Optimizing EMV Brand Certification Processes EMV Migration and Certification in the U.S. UL's View on Optimizing EMV Brand Certification Processes

More information

EMV and Restaurants What you need to know! November 19, 2014

EMV and Restaurants What you need to know! November 19, 2014 EMV and Restaurants What you need to know! Mike English Executive Director of Product Development Kristi Kuehn Sr. Director, Compliance November 9, 204 Agenda EMV overview Timelines Chip Card Liability

More information

Integrating payments with EMV: Choosing the right path forward. By Raymond Moorman, Director of Product, EMV Solutions

Integrating payments with EMV: Choosing the right path forward. By Raymond Moorman, Director of Product, EMV Solutions Integrating payments with EMV: Choosing the right path forward By Raymond Moorman, Director of Product, EMV Solutions Overview With the rapidly approaching fraud chargeback liability shift in October 2015,

More information

Dates VISA MasterCard Discover American Express. support EMV. International ATM liability shift 2

Dates VISA MasterCard Discover American Express. support EMV. International ATM liability shift 2 Network Updates Summer 2013 We are committed to working closely with you on achieving your business goals. As a part of this commitment, we carefully monitor Network changes and summarize them for your

More information

Tokenization Amplified XiIntercept. The ultimate PCI DSS cost & scope reduction mechanism

Tokenization Amplified XiIntercept. The ultimate PCI DSS cost & scope reduction mechanism Tokenization Amplified XiIntercept The ultimate PCI DSS cost & scope reduction mechanism Paymetric White Paper Tokenization Amplified XiIntercept 2 Table of Contents Executive Summary 3 PCI DSS 3 The PCI

More information

MASTERCARD PAYMENT GATEWAY SERVICES

MASTERCARD PAYMENT GATEWAY SERVICES MASTERCARD PAYMENT GATEWAY SERVICES OVERVIEW MAKING PAYMENTS SAFE, SIMPLE & SMART What are MasterCard Payment Gateway Services? Our Solutions Making payments safe, simple & smart for your customers, for

More information

ODPS/BMV RFP QUESTIONS AND ANSWERS. October 5, 2015

ODPS/BMV RFP QUESTIONS AND ANSWERS. October 5, 2015 ODPS/BMV RFP QUESTIONS AND ANSWERS October 5, 2015 1. We planned on submitting our response just through email. Do we also have to send the pricing on a CD? No, the pricing can be sent by email also. However,

More information

Are You Ready For PCI v 3.0. Speaker: Corbin DelCarlo Institution: McGladrey LLP Date: October 6, 2014

Are You Ready For PCI v 3.0. Speaker: Corbin DelCarlo Institution: McGladrey LLP Date: October 6, 2014 Are You Ready For PCI v 3.0 Speaker: Corbin DelCarlo Institution: McGladrey LLP Date: October 6, 2014 Today s Presenter Corbin Del Carlo QSA, PA QSA Director, National Leader PCI Services Practice 847.413.6319

More information

EMV Frequently Asked Questions for Merchants May, 2014

EMV Frequently Asked Questions for Merchants May, 2014 EMV Frequently Asked Questions for Merchants May, 2014 Copyright 2014 Vantiv All rights reserved. Disclaimer The information in this document is offered on an as is basis, without warranty of any kind,

More information

The EMV Readiness. Collis America. Guy Berg President, Collis America berg@collisamerica.com +1 651 925 5411

The EMV Readiness. Collis America. Guy Berg President, Collis America berg@collisamerica.com +1 651 925 5411 The EMV Readiness Collis America Guy Berg President, Collis America berg@collisamerica.com +1 651 925 5411 1 Collis Solutions & Markets Finance Consultancy Card Payments SEPA Financial Risk Mgmt Test Tools

More information

Retail Business Technology Expo 2011

Retail Business Technology Expo 2011 Retail Business Technology Expo 2011 Press Pack Stand # 212 March 16-17, 2011 For further information please contact: Clare Cockroft PR Manager Tel: +44 (0)114 292 6416 ccockroft@tnsi.com ANNOUNCES PLANS

More information

Grow with our omni-channel payment processing technologies and merchant services.

Grow with our omni-channel payment processing technologies and merchant services. Grow with our omni-channel payment processing technologies and merchant services. Get ready for growth Payment processing solutions ecommerce mcommerce In-app payments Virtual terminal Card present EMV

More information

U.S. Smart Card Migration: Stripe to EMV Claudia Swendseid, Federal Reserve Bank of Minneapolis Terry Dooley, SHAZAM Kristine Oberg, Elavon

U.S. Smart Card Migration: Stripe to EMV Claudia Swendseid, Federal Reserve Bank of Minneapolis Terry Dooley, SHAZAM Kristine Oberg, Elavon U.S. Smart Card Migration: Stripe to EMV Claudia Swendseid, Federal Reserve Bank of Minneapolis Terry Dooley, SHAZAM Kristine Oberg, Elavon UMACHA Navigating Payments 2014 October 8, 2014 Who We Are Claudia

More information

ICS Presents: The October 1st 2015 Credit Card Liability Shift: This Impacts Everyone!

ICS Presents: The October 1st 2015 Credit Card Liability Shift: This Impacts Everyone! ICS Presents: The October 1st 2015 Credit Card Liability Shift: This Impacts Everyone! Presenters: Cliff Gray Senior Associate of The Strawhecker Group Jon Bonham CISA, Coalfire The opinions of the contributors

More information

Corbin Del Carlo Director, National Leader PCI Services. October 5, 2015

Corbin Del Carlo Director, National Leader PCI Services. October 5, 2015 PCI compliance: v3.1 Key Considerations Corbin Del Carlo Director, National Leader PCI Services October 5, 2015 Today s Presenter Corbin Del Carlo QSA, PA QSA Director, National Leader PCI Services Practice

More information

Payment Card Industry Data Security Standard (PCI DSS)

Payment Card Industry Data Security Standard (PCI DSS) Payment Card Industry Data Security Standard (PCI DSS) What is PCI SSC? A 12 year old independent industry standards body providing oversight of the development and management of Payment Card Industry

More information

NCR Secure Pay FAQ Updated June 12, 2014

NCR Secure Pay FAQ Updated June 12, 2014 NCR Secure Pay FAQ Updated June 12, 2014 Contents What is NCR Secure Pay?... 1 What is the value of NCR Secure Pay?... 2 Host-based Settlement... 2 Token Replacement... 2 Point-to-Point Encryption (P2PE)...

More information

Caribbean Electronic Payments

Caribbean Electronic Payments Caribbean Electronic Payments Company Profile Caribbean Electronic Payments Ltd. 1-13 Contents Introduction... 3 Mission & Core Values... 5 CEPAYMENTS Mission... 5 Our Core Values... 5 Innovation... 5

More information

Payments Transformation - EMV comes to the US

Payments Transformation - EMV comes to the US Accenture Payment Services Payments Transformation - EMV comes to the US In 1993 Visa, MasterCard and Europay (EMV) came together and formed EMVCo 1 to tackle the global challenge of combatting fraudulent

More information

EMV and Small Merchants:

EMV and Small Merchants: September 2014 EMV and Small Merchants: What you need to know Mike English Executive Director, Product Development Heartland Payment Systems 2014 Heartland Payment Systems, Inc. All trademarks, service

More information

EMV in Hotels Observations and Considerations

EMV in Hotels Observations and Considerations EMV in Hotels Observations and Considerations Just in: EMV in the Mail Customer Education: Credit Card companies have already started customer training for the new smart cards. 1 Questions to be Answered

More information

VERIFONE PAYWARE SOLUTIONS

VERIFONE PAYWARE SOLUTIONS VERIFONE PAYWARE SOLUTIONS PAYMENTS ARE JUST THE BEGINNING. Supports multiple applications, systems, users and locations. PAYware Solutions With a wide range of card acceptance software solutions, VeriFone

More information

Protecting Cardholder Data Throughout Your Enterprise While Reducing the Costs of PCI Compliance

Protecting Cardholder Data Throughout Your Enterprise While Reducing the Costs of PCI Compliance Payment Security White Paper Protecting Cardholder Data Throughout Your Enterprise While Reducing the Costs of PCI Compliance Breaches happen across all industries as thieves look for vulnerabilities.

More information

Making Cloud-Based Mobile Payments a Reality with Digital Issuance, Tokenization, and HCE WHITE PAPER

Making Cloud-Based Mobile Payments a Reality with Digital Issuance, Tokenization, and HCE WHITE PAPER Making Cloud-Based Mobile Payments a Reality with Digital Issuance, Tokenization, and HCE WHITE PAPER Why Cloud-Based Mobile Payments? The promise of mobile payments has captured the imagination of banks,

More information

Revenue Security and Efficiency

Revenue Security and Efficiency Revenue Security and Efficiency Discussion with the Mid-Atlantic Oracle Applications Users Group CardConnect Solution Oracle EBS Validated Application Oracle EBS Validated Application Securing Payment

More information

PCI PA-DSS Requirements. For hardware vendors

PCI PA-DSS Requirements. For hardware vendors PCI PA-DSS Requirements For hardware vendors PCI security services UL's streamlined PCI PA-DSS certification services get your product to market faster. UL is world leader in advancing safety. Through

More information

ACI Card and Merchant ManagementTM solutions overview

ACI Card and Merchant ManagementTM solutions overview PRODUCT LINE BROCHURE ACI Card and Merchant ManagementTM solutions overview Comprehensive credit, debit, smart card and prepaid card management End-to-end merchant account management and settlement Management

More information

Payments simplified. 1

Payments simplified. 1 1 Payments simplified. T H E PAY M E N T I N D U S T RY A I N T W H AT I T U S E D T O B E 2 Complexity is increasing, More change in next 5, than last 50 Emerging payments / loyalty / rewards / coupons

More information

White Paper Solutions For Hospitality

White Paper Solutions For Hospitality White Paper Solutions For Hospitality Foreword Addressing the complexity of a hospitality ecosystem as varied as the front desk to the parking garage, to the restaurant, the website, and the call center,

More information

EMV's Role in reducing Payment Risks: a Multi-Layered Approach

EMV's Role in reducing Payment Risks: a Multi-Layered Approach EMV's Role in reducing Payment Risks: a Multi-Layered Approach April 24, 2013 Agenda EMV Rationale Why is this worth the effort? Guides how we implement it EMV Vulnerability at the POS EMV Impact on CNP

More information

Merchant Payment Solutions

Merchant Payment Solutions Merchant Payment Solutions 1 Simplifying Payments 2 Safe and reliable payment processing is essential to your business. Authorize.Net, a leading payment gateway since 1996, provides solutions you can trust.

More information

How to Prepare. Point of sale requirements are changing. Get ready now.

How to Prepare. Point of sale requirements are changing. Get ready now. How to Prepare for EMV Point of sale requirements are changing. Get ready now. The EMV mandate is fast approaching. Now is the time to plan a strategy to prepare for this change. 2 EMV: The Backstory 3

More information

Reliable, Low-Cost Credit Card Processing Since 1998

Reliable, Low-Cost Credit Card Processing Since 1998 Reliable, Low-Cost Credit Card Processing Since 1998 State-of-the-art credit card terminal Personal, expert customer service-24/7 No locked-in contracts or termination fees Lowest rates in the entire industry

More information

Modernizing H-E-B s Point-of-sale Systems

Modernizing H-E-B s Point-of-sale Systems Customer Success Stories TEKsystems Global Services Modernizing H-E-B s Point-of-sale Systems RETAIL NETWORK INFRASTRUCTURE SERVICES TECHNOLOGY DEPLOYMENT Executive Summary H-E-B engaged TEKsystems to

More information

10 Questions to Ask Your EMV Kernel Provider

10 Questions to Ask Your EMV Kernel Provider April 2012 Contents Introduction 03 Questions to Ask Your 04 EMV Level 2 Kernel Provider EMV Kernel Range 06 About Creditcall 07 02 creditcall.com EMV Kernel Provider Introduction Contents One of the most

More information

How To Protect Your Restaurant From A Data Security Breach

How To Protect Your Restaurant From A Data Security Breach NAVIGATING THE PAYMENTS AND SECURITY LANDSCAPE Payment disruptions impacting restaurant owners today An NCR Hospitality white paper Almost every month we hear a news story about another data breach that

More information

EMV and Restaurants: What you need to know. Mike English. October 2014. Executive Director, Product Development Heartland Payment Systems

EMV and Restaurants: What you need to know. Mike English. October 2014. Executive Director, Product Development Heartland Payment Systems October 2014 EMV and Restaurants: What you need to know Mike English Executive Director, Product Development Heartland Payment Systems 2014 Heartland Payment Systems, Inc. All trademarks, service marks

More information

The Adoption of EMV Technology in the U.S. By Dave Ewald Global Industry Sales Consultant Datacard Group

The Adoption of EMV Technology in the U.S. By Dave Ewald Global Industry Sales Consultant Datacard Group The Adoption of EMV Technology in the U.S. By Dave Ewald Global Industry Sales Consultant Datacard Group Abstract: Visa Inc. and MasterCard recently announced plans to accelerate chip migration in the

More information

Euronet Software Solutions ATM Management System Maintain and Expand Your Automated Service Offerings with a Secure, Flexible and Powerful Solution

Euronet Software Solutions ATM Management System Maintain and Expand Your Automated Service Offerings with a Secure, Flexible and Powerful Solution Secure Financial Transactions Any Time, Any Place Euronet Software Solutions ATM Management System Maintain and Expand Your Automated Service Offerings with a Secure, Flexible and Powerful Solution Serving

More information

What Issuers Need to Know Top 25 Questions on EMV Chip Cards and Personalization

What Issuers Need to Know Top 25 Questions on EMV Chip Cards and Personalization Frequently Asked Questions What Issuers Need to Know Top 25 Questions on EMV Chip Cards and Personalization Issuers across the United States are beginning to embark in the planning and execution phase

More information

WHY DO HACKERS INCREASINGLY STEAL U.S. CARD DATA?

WHY DO HACKERS INCREASINGLY STEAL U.S. CARD DATA? INTRODUCTION On December 18, 2013, security blogger and former journalist for The Washington Post, Brian Krebs, of Krebs on Security broke the story that Target had experienced what was the largest breach

More information

The Value of a Payment Gateway. White Paper

The Value of a Payment Gateway. White Paper The Value of a Payment Gateway White Paper The Ever-Evolving Payment Landscape There s no way around it. No matter what size your business is or what industry you work in, if you accept credit cards, keeping

More information

The Canadian Migration to EMV. Prepared By:

The Canadian Migration to EMV. Prepared By: The Canadian Migration to EMV Prepared By: December 1993 Everyone But The USA Is Migrating The international schemes decided Smart Cards are the way forward Europay, MasterCard & Visa International Produced

More information

PCI and EMV Compliance Checkup

PCI and EMV Compliance Checkup PCI and EMV Compliance Checkup ATM Security Jim Pettitt Director, ATM Security Diebold Incorporated Agenda ATM threats today Top of mind risk PCI Impact on Security U.S. EMV Migration Conclusions / recommendations

More information

GLOSSARY OF MOST COMMONLY USED TERMS IN THE MERCHANT SERVICES INDUSTRY

GLOSSARY OF MOST COMMONLY USED TERMS IN THE MERCHANT SERVICES INDUSTRY GLOSSARY OF MOST COMMONLY USED TERMS IN THE MERCHANT SERVICES INDUSTRY Acquiring Bank The bank or financial institution that accepts credit and/or debit card payments for products or services on behalf

More information

welcome to liber8:payment

welcome to liber8:payment liber8:payment welcome to liber8:payment Our self-service kiosks free up staff time and improve the overall patron experience. liber8:payment further enhances these benefits by providing the convenience

More information

Or What makes Canadian Banking different?

Or What makes Canadian Banking different? CANADIAN BANKING Sharing a Border Or What makes Canadian Banking different? Ray Kohler Senior Relationship Manager, US Markets RBC Royal Bank 1 Agenda Understand the basic differences between Canadian

More information

DATA SECURITY, FRAUD PREVENTION AND COMPLIANCE

DATA SECURITY, FRAUD PREVENTION AND COMPLIANCE DATA SECURITY, FRAUD PREVENTION AND COMPLIANCE December 2015 English_General This presentation was prepared exclusively for the benefit and internal use of the J.P. Morgan client or potential client to

More information

EMV FAQs. Contact us at: CS@VancoPayments.com. Visit us online: VancoPayments.com

EMV FAQs. Contact us at: CS@VancoPayments.com. Visit us online: VancoPayments.com EMV FAQs Contact us at: CS@VancoPayments.com Visit us online: VancoPayments.com What are the benefits of EMV cards to merchants and consumers? What is EMV? The acronym EMV stands for an organization formed

More information

PCI Compliance Workshop. NACS PEI October 21, 2009 10:45 a.m. 11:45 a.m.

PCI Compliance Workshop. NACS PEI October 21, 2009 10:45 a.m. 11:45 a.m. PCI Compliance Workshop NACS PEI October 21, 2009 10:45 a.m. 11:45 a.m. Presenters Scott McDowell, Director of Marketing, Dispenser Applications, Gilbarco Veeder-Root Mike Tyler, Director of Marketing,

More information

E M V I M P L E M E N TAT I O N T O O L S F O R S U C C E S S, P C I & S E C U R I T Y. February 2014

E M V I M P L E M E N TAT I O N T O O L S F O R S U C C E S S, P C I & S E C U R I T Y. February 2014 E M V I M P L E M E N TAT I O N T O O L S F O R S U C C E S S, P C I & S E C U R I T Y February 2014 A G E N D A EMV Overview EMV Industry Announcements EMV Transaction Differences, What to Expect Solution

More information

EMV DEBIT ROUTING VERIFONE.COM

EMV DEBIT ROUTING VERIFONE.COM EMV Debit Routing Overview Complying with the EMVCo requirements, card network requirements and meeting the Durbin Amendment debit routing regulation (Regulation II), while managing debit card processing

More information

Information about this New Guide

Information about this New Guide Information about this New Guide New Guide This PayPass POS Host/Payment Software Implementation Guide, dated September 2007, is an entirely new guide. Contents This guide helps point-of-sale (POS) host/payment

More information

Spotlight on Product & Service: Worldpay - End-to-End Payments Secure Platform at Most Cost-Effective Rates. Accept payments. Anywhere. Anytime.

Spotlight on Product & Service: Worldpay - End-to-End Payments Secure Platform at Most Cost-Effective Rates. Accept payments. Anywhere. Anytime. Newsletter Vol. 87 - Introduction Softengine News is dedicated to keeping you up to date with the latest information regarding SAP Business One systems, Softengine solutions and Best Business Practices.

More information

SETUP GUIDE. Thank you for your purchase of Hamilton products! In this handy guide, you will discover: ADDITIONAL REQUIREMENTS SETUP HOW IT WORKS

SETUP GUIDE. Thank you for your purchase of Hamilton products! In this handy guide, you will discover: ADDITIONAL REQUIREMENTS SETUP HOW IT WORKS SETUP GUIDE High Speed Secure Credit Card Processing Thank you for your purchase of Hamilton products! In this handy guide, you will discover: WHAT IS INCLUDED ADDITIONAL REQUIREMENTS HOW IT WORKS SETUP

More information

toast EMV in 2015: How Restaurants Can Prepare for the New Chip-and-Pin Standard

toast EMV in 2015: How Restaurants Can Prepare for the New Chip-and-Pin Standard toast EMV in 2015: How Restaurants Can Prepare for the New Chip-and-Pin Standard Table of Contents For more than 40 years, merchants and consumers have used magnetic stripe credit cards and compatible

More information

Credit Card Processing, Point of Sale, ecommerce

Credit Card Processing, Point of Sale, ecommerce Credit Card Processing, Point of Sale, ecommerce Compliance, Self Auditing, and More John Benson Kurt Willey HACKS REGULATIONS Greater Risk for Merchants Topics Compliance Changes Scans Self Audits

More information

Planning For EMV Technology. Your Guide to Making the Transition

Planning For EMV Technology. Your Guide to Making the Transition Planning For EMV Technology Your Guide to Making the Transition Table of Contents What is EMV? How does it work? Why is it happening? Who will be affected? Is POS terminal replacement necessary? Is this

More information

Visa U.S. Merchant EMV Chip Acceptance Readiness Guide. 10 Steps to Planning Chip Implementation for Contact and Contactless Transactions

Visa U.S. Merchant EMV Chip Acceptance Readiness Guide. 10 Steps to Planning Chip Implementation for Contact and Contactless Transactions Visa U.S. Merchant EMV Chip Acceptance Readiness Guide 10 Steps to Planning Chip Implementation for Contact and Contactless Transactions Visa U.S. Merchant EMV Chip Acceptance Readiness Guide 10 Steps

More information

Payment Painkillers: How to secure customer payment data in a complex world

Payment Painkillers: How to secure customer payment data in a complex world Payment Painkillers: How to secure customer payment data in a complex world A better way to secure payment data There is a more secure, affordable, manageable and sustainable way for retailers to secure

More information

Mobile Near-Field Communications (NFC) Payments

Mobile Near-Field Communications (NFC) Payments Mobile Near-Field Communications (NFC) Payments OCTOBER 2013 GENERAL INFORMATION American Express continues to develop its infrastructure and capabilities to support growing market interest in mobile payments

More information

American Express. Merchant Services. Grow your business With POS terminals from American Express

American Express. Merchant Services. Grow your business With POS terminals from American Express American Express Merchant Services Grow your business With POS terminals from American Express POS Terminals Electronic Devices for fast, efficient and reliable card transaction processing to suit all

More information

EMV mobile Point of Sale (mpos) Initial Considerations

EMV mobile Point of Sale (mpos) Initial Considerations EMV mobile Point of Sale EMV mobile Point of Sale (mpos) Initial Considerations Version 1.1 June 2014 2014 EMVCo, LLC ( EMVCo ). All rights reserved. Any and all uses of the EMV Specifications ( Materials

More information

EMV FOR U.S. ACQUIRERS: SEVEN GUIDING PRINCIPLES FOR EMV READINESS

EMV FOR U.S. ACQUIRERS: SEVEN GUIDING PRINCIPLES FOR EMV READINESS EMV FOR U.S. ACQUIRERS: SEVEN GUIDING PRINCIPLES FOR EMV READINESS BY PHILLIP MILLER, GUY BERG, JEFF STROUD, AND STEVEN PAESE Acquirer EMV 1 enablement is a critical first step to full chip migration in

More information

THIRD PARTY AGENT REGISTRATION PROGRAM

THIRD PARTY AGENT REGISTRATION PROGRAM THIRD PARTY AGENT REGISTRATION PROGRAM Frequently Asked Questions For the U.S., Canada and Latin America & Caribbean Regions General Information Q. What is the Third Party Agent Registration Program? A.

More information

Credit Card Processing Overview

Credit Card Processing Overview CardControl 3.0 Credit Card Processing Overview Overview Credit card processing is a very complex and important system for anyone that sells goods. This guide will hopefully help educate and inform new

More information

A Guide to EMV Version 1.0 May 2011

A Guide to EMV Version 1.0 May 2011 Table of Contents TABLE OF CONTENTS... 2 LIST OF FIGURES... 4 1 INTRODUCTION... 5 1.1 Purpose... 5 1.2 References... 5 2 BACKGROUND... 6 2.1 What is EMV... 6 2.2 Why EMV... 7 3 THE HISTORY OF EMV... 8

More information

Third Party Agent Registration Program Frequently Asked Questions

Third Party Agent Registration Program Frequently Asked Questions Third Party Agent Registration Program Frequently Asked Questions U.S., Canada and Latin America & Caribbean Regions General Information What is the Third Party Agent Registration Program? The Third Party

More information

THE FIVE Ws OF EMV BY DAVE EWALD GLOBAL EMV CONSULTANT AND MANAGER DATACARD GROUP

THE FIVE Ws OF EMV BY DAVE EWALD GLOBAL EMV CONSULTANT AND MANAGER DATACARD GROUP THE FIVE Ws OF EMV BY DAVE EWALD GLOBAL EMV CONSULTANT AND MANAGER DATACARD GROUP WHERE IS THE U.S. PAYMENT CARD INDUSTRY NOW? WHERE IS IT GOING? Today, payment and identification cards of all types (credit

More information

Understanding the Role of Hardware Data Encryption in EMV and P2PE from the CEO s Perspective

Understanding the Role of Hardware Data Encryption in EMV and P2PE from the CEO s Perspective Understanding the Role of Hardware Data Encryption in EMV and P2PE from the CEO s Perspective Futurex. An Innovative Leader in Encryption Solutions. For over 30 years, more than 15,000 customers worldwide

More information

ACCEPTING PAYMENT CARDS FOR CONDUCTING UNIVERSITY BUSINESS:

ACCEPTING PAYMENT CARDS FOR CONDUCTING UNIVERSITY BUSINESS: Boston College Policy ACCEPTING PAYMENT CARDS FOR CONDUCTING UNIVERSITY BUSINESS: PURPOSE OF POLICY: The purpose of this policy is to establish procedures for accepting payment cards at Boston College

More information

Healthcare Payment Security Is Your Patient s Card Data Exposed? May 24, 2016

Healthcare Payment Security Is Your Patient s Card Data Exposed? May 24, 2016 Healthcare Payment Security Is Your Patient s Card Data Exposed? May 24, 2016 PRESENTER BIOS Michael Fidler Vice President Elavon Healthcare Payment Solutions Michael D. Fidler is Vice President, Healthcare

More information

PAYWARE MERCHANT MANAGED SERVICE

PAYWARE MERCHANT MANAGED SERVICE PAYWARE MERCHANT MANAGED SERVICE PAYware MerchanT Managed Service We focus on payments, so you can drive sales Whether you re selling goods or services, managing your own internal high volume payments

More information

Fall Conference November 19 21, 2013 Merchant Card Processing Overview

Fall Conference November 19 21, 2013 Merchant Card Processing Overview Fall Conference November 19 21, 2013 Merchant Card Processing Overview Agenda Industry Definition Process Flows Processing Costs Chargeback's Payment Card Industry (PCI) Guidelines for Convenience Fees

More information

Lodging, Restaurant & Retail. World-Class Products, Services & Solutions

Lodging, Restaurant & Retail. World-Class Products, Services & Solutions SECURITY SOLUTIONS Lodging, Restaurant & Retail World-Class Products, Services & Solutions 60 million The number of U.S. chip card transactions processed in August, 2015 41% Percentage of U.S. debit cards

More information

Solutions For Higher Education: Reducing Compliance Scope Across Campus With PCI Validated P2PE

Solutions For Higher Education: Reducing Compliance Scope Across Campus With PCI Validated P2PE Solutions For Higher Education: Reducing Compliance Scope Across Campus With PCI Validated P2PE Complete Campus Coverage With the complexity of a college campus ecosystem as varied as the development office

More information

Understanding the Value of Tokens

Understanding the Value of Tokens Understanding the Value of Tokens 2012 First Data Corporation. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Introduction Credit

More information

Visa U.S. Merchant EMV Chip Acceptance Readiness Guide. 10 Steps to Planning Chip Implementation for Contact and Contactless Transactions

Visa U.S. Merchant EMV Chip Acceptance Readiness Guide. 10 Steps to Planning Chip Implementation for Contact and Contactless Transactions Visa U.S. Merchant EMV Chip Acceptance Readiness Guide 10 Steps to Planning Chip Implementation for Contact and Contactless Transactions Visa U.S. Merchant EMV Chip Acceptance Readiness Guide 10 Steps

More information

Point-to-Point Encryption (P2PE)

Point-to-Point Encryption (P2PE) Payment Card Industry (PCI) Point-to-Point Encryption (P2PE) Frequently Asked Questions for PCI Point-to- Point Encryption (P2PE) August 2012 Frequently Asked Questions (FAQs) For PCI Point-to-Point Encryption

More information

Plotting a Course for EMV Compliance

Plotting a Course for EMV Compliance Plotting a Course for EMV Compliance Plotting a Course for EMV Compliance PCI compliance...emv compliance by now, you ve heard repeatedly that your store or restaurant must be EMV-compliant by the recently

More information

The Petroleum Marketer s PCI compliance Reference Guide

The Petroleum Marketer s PCI compliance Reference Guide The Petroleum Marketer s PCI compliance Reference Guide 1. Become familiar with the 12 standards of card data security: Build and maintain a secure network Requirement 1 Install and maintain a firewall

More information

Presented by: Sam Campisi, Business Relationship Manager, OECM Bruce Averill, Account Executive Sales, Chase Paymentech Kevin Brock, National Sales

Presented by: Sam Campisi, Business Relationship Manager, OECM Bruce Averill, Account Executive Sales, Chase Paymentech Kevin Brock, National Sales Presented by: Sam Campisi, Business Relationship Manager, OECM Bruce Averill, Account Executive Sales, Chase Paymentech Kevin Brock, National Sales Director Sales, Chase Paymentech Today you will learn

More information