Microsoft Dynamics AX ERP Verifone EMV Connector

Want to accept EMV chip cards with a Verifone MX 915 in your Microsoft Dynamics AX ERP? Ask me about best alternative to Payware for B2B and B2G sales. No Retail MPOS is needed. With our module you’ll be live in no time with all the protections you need to maximize profits, mitigating fraud risk and reducing merchant fees with your existing merchant account.

All transaction types are supported for all your sales channels, and you can accept payments via free text invoices, CRM and more.

The Christine Speedy difference. PCI compliance is important to mitigate data breach risk, but equally important is compliance with complicated card network rules. Have you read any of the 1,000+ pages of Visa Rules? Or 300+ Mastercard transaction processing rules? Have any of the people you rely on? I’ve spent countless hours educating myself on them and learning about the nuances that impact your profit and risk. Technology directly impacts compliance. It doesn’t matter how big or how old a company is; the reality is most players in the payments industry fall behind with every new rule that comes out, even though these rules are usually announced years in advance so that they can prepare. Call 954-942-0483, 9-5 ET for expert advice about all things payments for Microsoft Dynamics AX and D365.


How to fix Ingenico ISC250 Lane Closed ?

ingenico ISC250 & isc350 reset

Ingenico isc250 EMV chip and pin signature capture terminal.

The Ingenico ISC 250 touch and ISC 350 terminals will have a message ‘lane closed’ when not in use. To be more clear, the Ingenico terminals are slaves to software that tells them what to do. So the user must be logged into their point of sale (POS) solution, integrated software, or virtual terminal that drives the terminal.

If you’re logged in and click on SALE and the terminal still says lane closed, you need to do some troubleshooting. Is the terminal properly connected to the PC or device driving it? If this is a terminal that was previously known to be working, try swapping cables with another if available.

If you still have a problem, contact your Point of Sale solutions provider. If you’re a CenPOS user, call support at 877-630-7960.

For PCI Compliance, only PCI Council QIR certified professionals are allowed to touch or install terminals for level 4 merchants. Do not allow unauthorized outside vendors to physically touch your terminals.

3D Merchant Services provides payment processing technology merchants need to drive Ingenico and other EMV chip terminals, with full cashiering, and without the need to purchase any additional POS software. The credit card processing terminals can be operated with a secure virtual terminal or with integrated solutions that keep merchant POS applications out of scope for PA DSS. Many recent merchant data breaches have occurred from applications that were in scope for PA DSS. By segregating payments from POS applications, merchants can increase security while reducing compliance burden. Merchants have the option for point to point encrypted (P2PE) terminals and solution or optional Validated P2PE service; the latter requires extra steps for merchants and significantly reduces PCI compliance burden with an SAQ that’s about 90% shorter.

Call Christine Speedy, PCI Council QIR certified, to purchase terminals and retail solutions, 954-942-0483, 9-5 ET. CenPOS authorized reseller based out of South Florida and NY. CenPOS is an integrated commerce technology platform driving innovative, omnichannel solutions tailored to meet a merchant’s market needs. Providing a single point of integration, the CenPOS platform combines payment, commerce and value-added functionality enabling merchants to transform their commerce experience, eliminate the need to manage complex integrations, reduce the burden of accepting payments and create deeper customer relationships.

US EMV Verifone MX 915 for BB&T TSYS

Yes, we provide US EMV with chip and pin for BB&T customers wanting to use Verifone MX 915 terminals. BB&T merchants are on the First Data platform. One unique benefit of our solution on First Data is we can process retail, MOTO (mail order/telephone order), and ecommerce, including electronic bill presentment and payment (EBPP), all in a single merchant account, with proper representment to mitigate chargeback risk and maximize profits.

The transaction process is different for EMV than magnetic swipe transaction, in order to support the different flow for processing chip cards.

To use CenPOS as shown in the video, merchants need high speed internet, web browser, Verifone MX 915, and CenPOS account. No other software is needed. CenPOS can be used standalone or integrated. Integrated solutions include Infor, SAP, Dynamics AX, Quickbooks etc. In all cases, CenPOS segregates payments from the application to reduce PCI Compliance scope and improve security.

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.

If you do not own a Verifone terminal, do not purchase one on your own via EBAY or some other source. For PCI Compliance, and overall security, the purchasing and installation process must be tightly controlled.

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.

myKaarma & Creditcall team up to accelerate EMV chip card adoption for car dealerships

Car dealers can now simply switch to EMV, providing their customers the most secure payment solution while benefiting from reduced PCI DSS scope.

NEW YORK, NEW ORLEANS, NADA100 (Booth #5501), January 27, 2017 – Creditcall, the omni-channel Payment Gateway and EMV Kernel provider, today announced that it now supports myKaarma, the cloud-based conversational commerce software that’s revolutionizing the auto service industry. myKaarma can now quickly and easily add EMV chip card acceptance to its dealership app by using the Creditcall payment SDK – ChipDNA – which is pre-certified with First Data, one of the leading U.S. processors and the Ingenico Group’s iPP 350 smart payment terminal. More processors and payment terminals will be added in the following months.

myKaarma enhances the retail experience for service departments of car dealerships. The myKaarma app gives the dealership the ability to offer the latest customer engagement technologies such as digital conversations (text, email, voice) and smart payment systems for online and mobile point of sale (POS) with auto-reconciliation, all in one application that seamlessly integrates with the dealerships’ current dealer management system (DMS).

ChipDNA is an omni-channel, EMV-ready payment gateway solution for mobile, online, in-store and self-service card payment acceptance. It is aimed at software developers and can be integrated into Android and iOS based mobile POS (mPOS) payment solutions as well as Windows and Linux semi-integrated environments. It includes a comprehensive terminal management system (TMS), remote key injection (RKI) and point to point encryption (P2PE) for the highest level of cardholder data protection. Developers can choose from 38 different device manufacturer and processor combinations which reduces integration time and resources without the need for complex and lengthy processor certifications.

“We wanted a partner who already had years of EMV experience and a proven solution, knowing if we had any bumps along the way”

– Ujj Nath, CEO at myKaarma

“We wanted a partner who already had years of EMV experience and a proven solution, knowing if we had any bumps along the way, our partner will be able to support us and meet our needs in a timely manner” said Ujj Nath, CEO at myKaarma. “By leveraging ChipDNA, we were able to spend more time making our software even more valuable to our customers, rather than spending time trying to navigate the complex requirements of EMV”.

“Many developers and merchants still assume that replacing an old swipe card reader with an EMV chip card reader equals EMV compliance” says Jeremy Gumbley, CTO at Creditcall. “The reality is that true EMV compliance requires upgrading the entire payment infrastructure, involving several parties and complex moving parts. Once completed, there is still an ongoing requirement for maintenance and updates to remain compliant. We are proud to offer ChipDNA, which allows software developers like myKaarma to avoid the majority of headaches and address EMV with one simple, fast and future-proof integration” Gumbley continues.


About MyKaarma

myKaarma is a conversational commerce software company for automotive dealerships that focuses on enhancing the retail service department experience. myKaarma’s platform gives dealers the ability to offer their customers 21st Century technology through digital conversations and smart payment systems. myKaarma was named as an official communications and payments partner for Mercedes-Benz USA.

About Creditcall

Creditcall provides the tools to enable secure payment acceptance in-store, self-service, online or mobile. From retail and hospitality, to parking, vending, transportation or charity applications, Creditcall’s omni-channel Payment Gateway and EMV Kernels are at the very heart of its partners’ businesses, enabling them to focus on what they do best.

Creditcall is an EMVCo Business and Technical Associate, a PCI SSC Participating Organization, a Mastercard accredited MEPSA company and member of the U.S. Payments Forum with offices in Bristol, UK and New York, USA.

Chip-and-PIN, or Chip-and-Choice? EMV Liability Shift For PIN Transactions

With US EMV adoption well under way in the US, merchants are in the next phase of decision making for their EMV environment, for those terminals and solutions that support it. Should I force chip and pin when the issuer supports it, or should I allow chip and choice? It’s a tough decision and the answer is not the same for everyone.

Point-of-Sale (POS) systems vary in both implementation and capability. For example, a salesperson for a popular POS solution I spoke to told me they don’t support chip and pin. He actually said, “Since debit card processing costs are the same either way now with regulated debit, pin doesn’t really matter any more anyway.” Not true.

Consider the implications for a specialty retail environment with higher average value transactions, such as building supply, automotive parts, and electronics.

RETAIL: HIGH VALUE
FORCED CHIP & PIN CHIP & CHOICE
PROS Maximize profit potential 3 ways: highest security supported to shift counterfeit fraud to issuer; Even with regulated debit, there’s some financial differential for sending transactions via debit network, though vastly decreased. Finally, not all debit is regulated, and costs do vary. Less friction at the point of sale, faster checkout.
CONS While consumers know their debit pins, studies estimate consumers’ knowledge of credit card PINs at 5-10%. What is financial impact if customer cannot recall pin, fallback to signature is not allowed, and customer has no other payment method? Potential losses based on US EMV liability shift rules which require the highest level of security to shift back to issuer; may vary by brand for counterfeit, lost and stolen cards.

As with everything EMV, there are many moving parts to certifications for chip card acceptance. In order to have a choice, the merchants ecosystem from terminal to payment gateway, if applicable, acquirer, etc must all support it, which may be a tall order.

IMPORTANT: This article highlights a few items and does not cover all brand, business type, transaction type, card type, nor reasons for determining liability. Refer to various card brand core manuals or your acquirer for more specific details about EMV and card acceptance rules.

RESOURCES & ARTICLES AROUND THE WEB

To avoid issues with broken outside links over time, please copy the URL’s below into your browser.

https://www.mastercard.us/en-us/about-mastercard/what-we-do/rules.html

Chip & PIN vs. Chip & Signature

Best article for thoroughness. October 2014 http://krebsonsecurity.com/2014/10/chip-pin-vs-chip-signature/

Chip-and-PIN, or Chip-and-Choice?

Worth a look. February 10, 2014, By David Lott, a retail payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed. http://takeonpayments.frbatlanta.org/2014/02/chip-and-pin-or-chip-and-choice.html

Chip & Choice Keeping Security Flexible

From Visa web site today, great illustration on impact of choices in different market segments. https://www.visa.com/chip/clients-partners/issuers/credit-card-chip-technology/chip-and-pin-choices.jsp

Chip-and-PIN vs. ‘chip-and-sig’

Good global overview and stats By Janna Herron · Bankrate.com, August 28, 2013
 http://www.bankrate.com/financing/credit-cards/chip-and-pin-vs-chip-and-sig/#ixzz4ALnE5Ps9
“What’s the difference? What separates the two is how each is authenticated at the register. Chip-and-PIN cards require a personal identification number to be entered to complete a purchase, much like how many debit card transactions are carried out now with magnetic stripe cards.” Read more: http://www.bankrate.com/financing/credit-cards/chip-and-pin-vs-chip-and-sig/#ixzz4ALnUjB9D

Visa Core Rules AND OTHER CARD BRAND RULES

Merchant Alerts & Rules Links