Category Archives: Equipment-POS

merchant card processing equipment including swipe and POS terminals

Verifone MX915 multilane signature capture terminal EMV POS solution

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Verifone MX915 signature capture terminal

Verifone MX915 signature capture terminal.

CenPOS now supports the Verifone MX915 signature capture terminal with a variety of point of sale solutions. While most new terminals in the market are EMV ready, CenPOS is EMV live with this Verifone multilane terminal.

To boost EMV adoption, MasterCard offers incentives beyond the EMV liability shift.  To participate, merchants must deploy hybrid EMV terminals (support of both contact and contactless interfaces), and 75% of card present transactions must be on them .(reference MasterCard white paper http://www.mastercardadvisors.com/_assets/pdf/emv_us_aquirers.pdf)

The Verifone can be used standalone with a computer, high speed internet and the CenPOS virtual terminal, or integrated with POS systems, including open source ERP retail POS solutions like OpenBravo. Merchants desiring integrated connectors should contact 3D Merchant services; the connectors are generally not available in POS add-on marketplaces.

Why CenPOS?

  • Processor neutral
  • Least cost routing and interchange optimization reduces merchant fees
  • Reduce PCI Compliance burden
  • One gateway for all sales channels
  • Tokenization supported all sales channels, even retail and mobile
  • Level III processing in retail – if you have commercial account customers, this will save a bundle in fees
  • Scalable: Enterprise user and role management
  • Cloud based reporting for centralized accounting
  • Merchant defined risk & fraud management tools

CenPOS certifies with Apple Pay and Google Wallet

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cenpos payments logoCenPOS certifies with Apple Pay and Google Wallet, supporting the mobile payment technology on select multi-lane devices. Miami, FL (PRWEB) February 23, 2015.

CenPOS, a payment technology provider, today announced that it has certified Apple Pay and Google Wallet to its payment-processing platform. This new certification marks another milestone for CenPOS in its quest to provide their customer base around the globe with a rich payment acceptance offering. The Apple Pay and Google Wallet payment options are supported by CenPOS on the Verifone and Equinox multi-lane devices. Apple Pay and Google Wallet are transforming the mobile payment space for consumers and businesses alike by making it easy and secure for all parties.

The adoption of mobile payments continues to grow in record numbers. There are only 1.3 billion active credit and debit accounts globally, but considering that there are more than 5 billion active mobile phone accounts, there is potential for widespread application of mobile payments, according to Omlis, a global mobile payments solutions provider. Mobile transactions have almost doubled since last year, now accounting for 17% of transactions made. Juniper Research predicts that this trend will continue to rise and will reach 450 million mobile payment consumers by 2017. The global adoption of mobile payments is on an upward curve, but traction is dependent on consumers’ access to technologies, varying lifestyle choices, and economic factors.
“We are delighted to bring these new services to our clients and enable them to offer their consumers with new and innovative payment options” commented German Gonzalez CenPOS’s Co-Founder and Chief Technology Officer. “Today we are one of the very few payment processors in the US that is both EMV and 3D Secure certified. We continue to drive our products, services and solutions to meet merchant, consumer and partner needs. Our entire team is passionate about delivering value and value add services to our clients; more importantly, always being on the leading edge of technology”, added Gonzalez.
About CenPOS
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. For additional information please call 877.630.7960.

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For CenPOS sales and software integrations, contact Christine Speedy, authorized CenPOS global reseller. 954-942-0483

Signature Capture Terminal for POS & ERP: Fraud Prevention

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ingenico ISC250 & isc350 reset

Ingenico isc250 signature capture terminal.

When a customer is prompted for signature, the transaction is basically over. An authorization has been returned and the signature is for merchant records. As has been reported on 60 Minutes and other media, often cashiers don’t even look at the signature. That’s a mistake.

The signature is critical to merchant defense of disputed transactions.

From MasterCard Transaction Processing Rules, December 2014, “When a signature is obtained as the CVM for a POS Transaction completed with a Card (but not when a Contactless Payment Device is presented), the Merchant must compare the signature on the Transaction receipt with the signature on the Card to determine whether they appear to be the same. If the Merchant believes that the signature on the Card does not match the signature on the Transaction receipt, the Merchant must contact the Acquirer for instructions. The signature would not match if the name appearing on the Card’s signature panel is different from the name appearing on the Transaction receipt (for example, if the Card were signed “Jan H. Hanley” and the Transaction receipt showed “Bob Hanley” or “F. Hanley”). The signature would be acceptable if the Cardholder’s first and/or middle names is abbreviated on the Transaction receipt (such as J. H. Hanley) or if a title such as Mr., Mrs., or Dr. is missing or is included.”

For high dollar transactions, most merchants will run extra security, such as validating the last 4 digits of a card. Often cloned cards will not match the front digits with the magnetic stripe data. Here’s a recommended process to reduce credit card chargebacks for reason “It wasn’t me.”:

  • Cashier asks to see card.
  • Cashier types in last 4 and hold onto card.
  • Customer prompted for signature.
  • Cashier compares signature to actual name and style.  Force Reset and get another signature if not a match. Call processor if unable to match.

Need a solution for signature capture? We offer both integrated and non-integrated solutions, including for Ingenico, Verifone, and Equinox terminals.

How do I reset Ingenico ISC 250 or 350 terminal?

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ingenico ISC250 & isc350 reset

Ingenico isc250 signature capture terminal.

To reset your Ingenico ISC 250 touch or ISC 350 terminals,  hold down the minus and yellow clear button at the same time. Unplugging the terminal and replugging while connected to a power source is not recommended and doing so may corrupt the pin debit key, requiring a new key encryption injection.

3D Merchant Services provides payment processing technology for merchants to run Ingenico and other signature capture terminals, without specialized POS software. The credit card processing terminals can be operated with our secure virtual terminal or with integrated solutions that can 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.

 

Cheap Verifone VX520 and Free Terminal discount deal

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Looking for cheap Verifone VX520 terminals? Free terminals? Don’t risk your security buy buying on Ebay and other sources. Your terminal will ship directly from an authorized, verifiable terminal equipment supplier.

Prices as low as FREE for a refurbished Verifone VX520 Dual Com Smart Card Contactless with a new merchant account or starting at $129, minimum 5 units, to all other buyers. Optional 3-Year Overnight Replacement for peace of mind at a very low cost.

The VX 520 is a reliable, rugged countertop device that’s built to last. It handles encryption, decryption and processing at lightning speeds thanks to its powerful processor and expandable memory. Integrated NFC capabilities support alternative payments and also supports value-added applications such as loyalty or gift card acceptance. A full range of connectivity options, from dial and Ethernet to GPRS, with an optional battery allows the VX 520 to go wherever you go. A uniquely designed communication port area underneath the device keeps countertops neat and free of clutter.

The Christine Speedy difference. Managing credit card fees is critical, and so is understanding the nuances of credit card processing that impacts all merchant fees. the reality is most players in the payments and consultuing industries are not familiar with rules that impact your profit and risk. Call 954-942-0483, 9-5 ET for expert advice about all things credit card processing, including terminal selection.

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