What fields can I enter on a CenPOS mobile transaction?

iPhone app credit card payments screenshots below are from the CenPOS retail app available for free download at iTunes. The two methods to use the retail app, do not include the restaurant and tip option, which are configured in the merchant set up.

SCREENSHOT 1:  RETAIL SWIPE. The standard screen is ready to capture data via magnetic card reader attached to the iPhone. The receipt can be emailed, or printed.

iphone mobile payments screen shot


SCREENSHOT  2-3: OPTIONAL ADDITIONAL ACCOUNTING DATA. Next to the amount field is a small graphical image. Because this merchant has optionally chosen to collect additional data about the sale, the icon can be pressed and the clerk can assign transaction amounts to different accounting codes.

mobile payments accounting fields

 The accounting codes are used throughout different sources, such as the virtual terminal, or via an API.  Merchants can use exsiting templates, such as the school/religious file, or provide one of their own to upload. Benefits include saving time assigning data later, as well as real time reporting to a remote location, such as multiple schools and churches reporting back to the archdiocese.

SCREENSHOT  4:  KEY ENTERED TRANSACTIONS. This images shows part of the different data captured when a transaction is key entered vs swiped. This is a key differentiator for CenPOS. Key entered transactions have a greater burden of proof for merchants to prove it was the cardholder making the transaction. Absent of magnetic stripe data, and based on merchant rules, CenPOS will automatically prompt for additional fields and send the transaction with the right information for qualified card not present interchange rates.

key entered mobile payments

The CenPOS works with your existing processor, and is fast, easy, and requires no capital investment to implement. Call 954-942-0483 or click here for more information.

iPad Mobile payments- important security notice

With a proliferation of newcomers to the market, merchants need to be aware of potential mobile payments security problems. The PCI Security Standards Council recently released new standards for developers as well as guidelines for merchants. One important aspect to ask questions about, is ‘store and forward‘.

If the mobile application enables you to accept credit cards when you cannot connect to the internet, clearly the data resides on the device, which creates a potential security risk.  This issue is addressed in a new Best Practice for Mobile Payments Developers released by the PCI Security Standards Council. Who can access the card information, pending presentment to your processor for an authorization? In what format does that data reside? If the user cannot access, is it possible other malware could access the data?

Editor’s note: Our CenPOS iPad mobile app does not support store on device and forward for presentment later. Merchants must have access to an internet connection. There are multiple options should you need to store payment data with that live connection:

  1. Zero dollar auth- validate the card only, and store data for later billing.
  2. Auth- Get an authorization for a specific sale, but don’t charge yet; store data for later billing.
  3. Repeat sale- Process transaction now, and store payment information for future billing.

In each case above, the credit card information is encrypted and replaced by a random alpha-numeric character, or ‘token’.   The encrypted payment information can never be seen again.
Accepting Mobile Payments with a Smartphone or Tablet  (PDF download from PCI Security Standards Council)

For additional information about mobile payments solutions, please contact Christine.

3D Merchant News September 2012: fraud, Apple card swiper, mobile, interchange


  • Fraud costs
  • Mobile Payments- as easy as Apple
  • Historic $7.2 Billon dollar settlement may result in consumers paying swipe fees
  • Interchange qualification question of the day: sales tax exempt and corporate cards

Retail Fraud Taking a Greater Financial Toll According to LexisNexis® 4th Annual True Cost of Fraud Study. This year’s cost of $2.70 per $1.00 in merchandise is up $0.40 from last year’s level of $2.30. One of the areas of major fraud growth is the mobile sector. This year, mobile merchants paid $2.83 for every $1.00 lost compared to just $2.00 for 2011, an increase of more than 40 percent. If you have losses due to fraud, call me to discuss prevention options.

One mobile payment solution that really stands out you may have seen in an APPLE STORE. I recently blogged about the Linea Pro hardware Apple uses. It’s more expensive than other options, but it also can help solve more problems. A recent client meeting uncovered a desire to collect donor information at special events for auction items. One option is to combine the Linea Pro hardware with CenPOS mobile; merchants can swipe the drivers license and collect just the name & address to append the payment file. If permitted by local law, full drivers license data can be swiped as well. For the Linea Pro, or any other mobile payment need, contact me for assistance to help choose the best solution for your needs.

Payment networks Visa and MasterCard, as well as a number of large retailers, agreed to a $7.25 billion settlement that may allow merchants to impose a “checkout fee” on consumers for credit card transactions and end a seven-year battle over credit card swipe fees.

INTERCHANGE QUESTION OF THE DAY: If a customer is tax exempt, how can the transaction qualify for lower interchange rates? If a customer is tax exempt, the merchant cannot qualify the business/purchasing card transaction with level 2 data for preferred corporate card rates, which requires a sales tax other than 0. Merchants rarely know what kind of card a customer has, and have no way of knowing what the rules are for that card. CenPOS solves this problem by identifying the card issuer in real time, and automatically prompting for the right extra data ONLY when needed. For example, when using alternative payment gateways or terminals, the merchant is usually stuck with 2.65% interchange rate. With CenPOS, a processor that supports level 3 data, and the CenPOS level 3 data prompt turned on, the merchant can qualify certain MasterCard transactions as low as 1.80%, a .85% savings. Look for CORP DATA RATE I (US) PUR, CORP DATA RATE I (US) BUS, EIRF or STD on your merchant statement for examples of transactions that may have been eligible for better rates.

Warm regards,
Christine  Speedy

credit card scanner for iphone 4 like Apple

What is the best iPhone credit card reader? The Linea Pro, by Infinite Peripherals, was popularized as the hardware used in Apple Retail stores to facilitate rapid customer checkout. The Linea Pro is a sleeve for an iPhone or iPod touch. Merchants also need an iPhone app for credit card processing.



Linea Pro The Linea Pro is a sleeve for an iPhone or iPod touch. In addition to providing a moderate level of durability and protection to the iPod touch, it also offers a hot-swappable battery that not only powers the scanner but also serves to keep the iPod fully charged. The Linea Pro has both a 1D/2D barcode scanner and magnetic stripe reader, which makes it perfectly suited for applications like retail point-of-sale where the product can be scanned and the customer’s credit card swiped. The Linea Pro is the perfect device for many types of applications, and although the latest version now supports the iPhone 4/4S and iPod 4th Gen, the Linea Pro does not work with the iPad. $499-599, ipclineapro.com.


Linea Pro offers a a few portable printer options. Star Micronics America has announced the availability of iOS and Android drivers for all of its printers. The drivers allow end-users to utilize Star Micronics printers in tandem with Apple iPad™, iPod Touch®, iPhone® and Android devices to generate receipts and perform related functions in retail and restaurant environments.  The TSP100ECO is a popular receipt printer priced at about $235 online.  They also offer a line of portable receipt printers.

MOBILE SOFTWARE:  Linea Pro is a hardware only company. Special software must be used to process the information captured by the barcode scanner and magnetic stripe reading feature. Linea-pro does not come with any included software.


Transform your Apple device into a secure credit card terminal allowing you to accept card swiped, hand keyed and tokenized transactions. CenPOS Mobile is your entry point into the CenPOS community connecting you to all of your CenPOS payment acceptance platforms- including retail, online, ecommerce, phone orders, kiosk, and electronic bill presentment and payment. Access detailed reporting for transactions that occur throughout your business enterprise, not only on your CenPOS Mobile device. Our unique offering does not require you to change financial services providers, and is easy to implement. The app is free. CenPOS SaaS pricing is based on business volume.

CenPOS Mobile Features

  • Receive credit card authorizations quickly and securely on the go.
  • Full transactional array including: Sale, Repeat Sale, Create Token, Authorization, Force, Return, Credit, and Void
  • Capture signatures electronically by having the customer sign on your CenPOS Mobile Device.
  • Deliver customized receipts instantly to customers by email.
  • Easy enterprise level reporting that allows you to view all payment activity through CenPOS. Payments made through your CenPOS Mobile device, retail location, and ecommerce website can all be seen in one location.
  • Generate credit card authorizations by either swiping a credit card, manual entry, or through the use of a token*.
  • Payment information is hosted and not stored on your CenPOS mobile device.
  • Free software and no surcharge to use any of our other products
  • 7 years data storage vs typical 12 to 18 months
  • Remote supervisor approval, cashier permissions, and password change/ unblock

* Tokens are unique randomly generated alpha numeric character sets that replace the credit card information so that data can be securely stored for repeat and recurring sale needs.

INDUSTRY APPLICATIONS: IPHONE 4, LINEA PRO 4 AND CENPOS MOBILE work together to create efficiencies, mitigate internal and external fraud risk and control credit card processing expenses.

  • Business to Business:  Sales representatives capture credit card swipe at time of order with ‘dummy proof ‘ prompts, eliminating exposed credit card numbers on paperwork; store data for future payment processing. Qualify for both retail and MOTO interchange rates for lowest costs for each transaction type.
  • Non-profit and event fundraisers: speed up checkout for silent auctions and capture valuable data about your donors using QR code and other options.
  • Automotive industry: new car dealers deliver parts and record date, time, location when signature captured. License scann
  • Restaurants: pay and sign at the table
  • Casino:  Credit at the table (Regulatory restrictions may vary.)
  • Retail: Integrated bar code reader and payment app, holistic solution for multi-channel sales back office reporting.
  • Telecom: Holistic solution for customers to pay bills in store at kiosk, buy new services on devices you sell, and pay bills online.
  • Pawn & gun shops: integrated scanning of drivers license.


iPhone vs iPad:  The iPad solution is a bit clunkier due to the size of the iPad and method to attach peripherals. The iPhone sleeve is very thin and wraps around the iPhone. Which is best? It depends on your situation. For a fixed cashier station, the iPad may be the better choice, while for walk-around, the iPhone may be the best option.

Key- entered transactions: If you key enter a transaction on a retail merchant account, you’re required to get a signed receipt to defend against disputes. The assumption is that the customer is present, but the card didn’t swipe, so it’s a face to face transaction. CenPOS offers an alternative option. The merchant can choose to have all key-entered transactions submitted with the MOTO, or card not present, indicator. This is a key differentiator of other products. Call for details.


Contact Christine Speedy 954-942-0483 for the entire range of products in this article, including CenPOS direct. Merchants can buy hardware from any source. We’re hardware and payment processor neutral.


Card not present, Mobile payments and American Express Merchant account

This article highlights another hidden way we help business to business companies reduce the cost of accepting credit cards. If your company primarily accepts credit cards as Card Not Present, you have a MOTO merchant account. Many merchants are now looking at adding mobile payments to lower the cost of accepting payments. However, just like with Visa, MasterCard and Discover,  merchants need to follow certain rules that almost no one is telling merchants about.

American Express has a non-swiped Transaction fee of .30% for non-swiped transactions on top of their regular Discount Rate. So if you swipe the card, you automatically get the lower rate, yes? No!

Here’s the non-swiped Transaction fee rule: A fee applied to any Charge for which we did not receive both (i) the full Magnetic Stripe, and (ii) the indicator as to whether the Card was swiped.

When you applied for your American Express merchant account, it would have been set up as MOTO. This means transactions are sent with the MOTO indicator. If you swipe cards on a mobile device, your processor or gateway or virtual terminal is still sending the all transactions with the MOTO indicator. So you pay .30% above the discount rate because your system is telling them it’s a non-swiped transaction.

How you can save .30% with mobile payments, without creating a separate mobile merchant account? Our intelligent payment processing platform automatically detects how the transaction is accepted, swiped or key entered, and then will automatically change the indicator to RETAIL (swipe) so that you qualify for the lower rate.

Here’s how it works:

  • Keep your existing merchant accounts.
  • Add our intelligent Virtual terminal for all transaction types and acceptance points.
  • Process all transactions through our Saas payment processing solution.
  • Transactions are dynamically routed automatically to mitigate risk and qualify all transactions for the lowest rates.