EMV chip card transaction video – Verifone MX915 with CenPOS Virtual Terminal

Merchants will improve their customer experience accepting chip cards by training all users and cashiers. The transaction process is different for EMV than standard swipe transaction, in order to support the different flow for processing chip cards.

In 60 seconds, CenPOS users can view the new screen prompts for the cashier and the consumer to process a chip and signature and a chip and pin transaction.

TIP:  Having an EMV capable terminal does not mean a merchant is ready to accept chip cards. In the CenPOS environment, if a merchant installed a future proof, EMV capable terminal to get ready for EMV, the next step is to convert to EMV enabled. This always requires turning on EMV at the merchant account level, in addition to other steps. CenPOS has completed certifications for multiple terminals and acquirers to enable merchants to become EMV Compliant today. Contact your relationship manager for assistance.

If you’re not a current CenPOS customer, contact Christine Speedy for sales and integrations at 954-942-0483. Don’t just get ready, get EMV Compliant.

Need an EMV terminal? The problem with desktop terminals for mixed retail & card not present

For mixed retail and card not present merchants, especially with a business to business customer component, a traditional desktop terminal can cause problems including failed PCI compliance, higher merchant fees, and increased losses from customer disputes  – the dreaded chargeback. To comply with EMV, now is the time to address multiple business needs to maximize profits.

Why is a traditional desktop terminal bad for mixed customer base?

Verifone VX520 VX805 EMV terminal

Verifone VX520 with VX805 EMV terminal

  1. Merchants have retail merchant accounts with their swiped terminal. When a transaction is key entered, it’s automatically qualifies for the worst non-qualified rate for the card type, because expected magnetic stripe data is not received.
  2. Key entered or card not present (CNP or MOTO/ mail order telephone order) transactions require additional data to protect against fraud losses. Users can bypass prompts if asked, but more importantly, the transaction is still presented as RETAIL, so retail rules apply for responding to disputes.
  3. Internal paperwork such as credit card authorization forms are PCI compliance nightmares and often don’t meet requirements to win disputes.
  4. For any business with a commercial account aspect, there is NO desktop terminal capable of qualifying merchants for the lowest fees, available only by supplying level III data.

What’s the alternative to a desktop terminal?

verifone MX915 EMV terminal

Verifone MX915 multilane signature capture terminal

Desktop software like PCCharge and ICVerify have all announced end of life because they cannot support new payment technologies like EMV. The swiper wedge that many small businesses have used do not support EMV and that won’t be changing, so they too will disappear. The alternative is a payment gateway with virtual terminal; a cloud based solution. Buyer beware. There are significant differences between gateways; many of them are not much better than a desktop terminal.

Virtual Terminal with EMV Buyer Tips:

  • Choose an agnostic gateway. That way if you want to change processors in the future, it’s not disruptive to operations.
  • Verify the gateway has an EMV certified terminal for your processor today. For example, First Data publishes their list of certified solutions here: First Data Integrated Partner Solutions Certified Listing.
  • Beware language such as, ‘EMV ready’ for both gateway and desktop solutions. EMV certified terminal is not the same as a certified solution that can be EMV enabled today with your processor.
  • Ask if the gateway supports level 3 processing for retail.
  • If the gateway cannot dynamically change transaction representment from retail to MOTO – and virtually none do- key entered transactions have the same risk as a desktop terminal.

What about mobile? Mobile EMV will largely be rolled out next year, as hardware needs to first be certified, and then all the other certification components will follow.

The only payment solution today that is supports level 3 processing for retail is CenPOS, which also has the most EMV terminal certifications of any gateways to date.

CenPOS is a merchant-centric, end-to-end payments engine that drives enterprise-class solutions for businesses, saving them time and money, while improving their customer engagement. CenPOS’ secure, cloud-based solution optimizes acceptance for all payment types across multiple channels without disrupting the merchant’s banking relationships. CenPOS is available globally. For additional information, contact Christine Speedy, 954-942-0483.

Authorize.net and level 3 processing for business to business

The Authorize.net virtual terminal is expensive for business to business merchants, even though rates seem cheap. That’s because Authorize.net ® only supports level III data for certain integrated solutions, leaving B2B companies out of luck qualifying for the lowest interchange rates for corporate, business and purchasing cards.

Authorize.net Payment Gateway Rates

  • $49 set up
  • $25 /month
  • $.10 per transaction
  • $.10 daily batch
  • Additional services which used to be extra, are now free: Automated Recurring Billing, Advanced Fraud Detection Suite TM, Customer Information Manager (subscription management).

level 3 interchange ratesNot shown above: Data Rate III large ticket ($10,000 minimum) Level 1 rate is 1.20% and $40, up to Level 4, 1.51% and $40. MasterCard Cardholder Spending Requirements for Small Business Products: Business Level 1 – $0 to $24,999; Business Level 2 – $25,000 to $49,999; Business Level 3 – $50,000 to $99,999; Business Level 4 – $100,000 and greater.

The table below shows different rates possible for the same transaction. Using the Authorize.net virtual terminal, the best rate possible for a Level 1 Business card is usually 2.65%. While the Authorize.net virtual terminal supports Level II Data, to qualify for the Level II rate, it requires a valid sales tax amount, tax indicator and valid tax id. Sales tax must be between 0.1% and 30%. If tax exempt ($0 entered as tax amount or blank) will clear at Commercial Data Rate I. Most business to business companies do not have a sales tax amount.

The examples below include the interchange fees above and the payment gateway transaction fees for Authorize.net qualifying transactions at Data Rate I and CenPOS qualifying transactions at Data Rate III (also known as Data Rate 1 and Data Rate 3)

Authorize.net vs CenPOS payment gateway example for Level 1 card

$5,000 sale, Authorize.net cost is $148.10 vs $108.20 CenPOS.*
$25,000 sale, Authorize.net cost is $662.60 vs $365.20 CenPOS.*

Authorize.net vs CenPOS payment gateway example for Level 4 card

$5,000 sale, Authorize.net cost is $132.60 vs $92.70 CenPOS.* CenPOS saves merchant 27%.
$25,000 sale, Authorize.net cost is $740.10 vs $442.70 CenPOS. CenPOS saves merchant 40%.

How does CenPOS help merchants qualify transactions for level 3 rates? There are multiple requirements to qualify for the level 3 rates. These include submitting level 3 data, valid authorization, and authorization and settlement amount must match, among others. CenPOS automates interchange management in compliance with card acceptance rules, making it light and easy for users to comply, while also removing employee decision making that can impact the cost of card acceptance.

CenPOS customers achieve similar results across all sales channels, including retail. CenPOS is compatible with all the major processors, so merchants do not need to change their financial partners. No special software is required; users can access via a secure web page, mobile device, or integrated solution. Contact CenPOS Authorized Reseller Christine Speedy today for a demo and free trial.





Need An EMV Terminal? 8 Questions Distributors Must Ask

emv smart card

EMV chip smart card.

Thinking about updating to an EMV compliant terminal to accept chip cards? Do you accept payments online today or plan to in the future? Choose a cloud based solution that will address all omnichannel sales needs current and future. Once you’ve narrowed your list of prospective vendors, use these questions to quickly identify differences.

Questions to ask before the demo:

  1. Is the terminal EMV certified today for my processor? This is critical because many companies are behind schedule.
  2. Can I use with any merchant processor? The average company will change processors. Flexibility is key to business continuity.
  3. Does the gateway support level III processing for retail?
  4. Does the gateway support 3D-Secure?

An no answer to any of the above is a deal breaker. Accepting a yes will inevitably lead to pain sooner or later.

Questions to ask to identify virtual terminal differentiators during the demo:

  1. Can you demo a swiped transaction with a commercial card requiring level III data?
  2. Can you demo how a token is created and use in a transaction? Do you perform a zero dollar or a one dollar authorization when a token is created?
  3. Can you show how to manage users and their permissions (roles)?
  4. Can you show how to research transactions?

EMV stands for Europay, Visa, Mastercard, the three companies that developed the standard for the security chip.
3D-Secure, including Verified by Visa or Vbyv, are optional security standards for online payments.
EMV certified – terminal approved for use and can be activated immediately.
EMV capable or ready – hardware is certified; equipment and or application is not yet certified
Virtual Terminal – web browser based solution to securely accept payments

Looking for PCCharge Alternative?

Years ago, PCCharge PC POS was a very popular solution for merchants wanting to turn their computers into a POS system. With the introduction of cloud payment solutions has the time for it and PC Payment Software solutions passed?

With cloud payments, no data is ever stored at the merchant site, and there’s never any software to update. For non-integrated solutions, merchants access a virtual terminal via a secure web page. A payment gateway works behind the scenes to encrypt and transmit data securely via the internet, just like for ecommerce transactions.


  • PCCharge is installed on Windows PC’s. For PCI Compliance, merchants should update software within 30 days to the latest version. Do they? Because of license fees and simple mistakes, not all merchants use the latest version. Records are accessible on site only unless a server solution is used.
  • With Cloud Payment technology there’s no software to update and records are accessible anywhere.  (This does not negate the same merchant requirements for all other elements to meet PCI Compliance requirements.) In the event of emergency, merchants can operate instantly from anywhere.


  • PCCharge supports credit card terminals, primarily with wedge swipers (mag stripe card readers), plus checks with RDM readers.
  • Some cloud payment solutions support signature capture terminals, including with pin debit, and mobile readers, in addition to wedges and RDM’s.


  • PCCharge supports level 2 processing but merchants can qualify for lower interchange rates, which comprise over 95% of merchant fees, with level 3 processing.
  • Some cloud payment solutions support level 3 processing for retail (and other channels such as MOTO- mail order, telephone order-  etc). Additionally, some cloud payment solutions have more options for token billing, variable installment, online payment management etc.


  • PCCharge?
  • Cloud technology solutions provide many options for merchants to protect against both internal and external fraud, with merchant configurable rules, real time alerts and more. The scale of protection options varies widely by solution. Dynamic solutions which vary response on the fly based on input variables (for example, the method of transaction such as key entered) offer maximum protection.

About PCCharge PC POS: PCCharge is POS Software product from Verifone.  Designed for stand-alone, client server or integrated payment processing environments, can turn any PC into a POS system.

About the author: Christine Speedy is an authorized reseller for CenPOS enterprise cloud payment solutions. CenPOS can turn PC’s and Mac’s into a POS system. CenPOS is a merchant centric omnichannel SaaS that supports level 3 processing in retail, MOTO, ecommerce and other channels, creating customer efficiencies while increasing customer engagement. For sales, call (954) 942-0483.