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.

Get loads of automotive dealer reviews online- and boost your organic SEO

Who doesn’t research both product and business online before making a big purchase these days? Mentions of your business name, as well as links to your dealer web site, will increase your search rankings, without costing a penny for online ads. Customers tend to write reviews when they are unhappy, more often than when they are happy. To boost your online influence, it’s critical to get more reviews.

Here’s tips to get MORE dealer reviews:

  1. Before the customer leaves, hand over a mobile device that is bookmarked to the review site you want to influence that week. Ask if they’ll write something quick before they leave. Make it easy!
  2. If you provide computers in the lounge, add review sites to the bookmarks menu bar. Put a lucite stand asking them to write a review. Offer a sample text. People are more likely to write a glowing review when you give them ideas.
  3. Get their email address at checkout and send an automated email with link to the desired review site(s) on a specified schedule.
  4. Send a postcard in the mail the next day.
  5. Have service advisors hand over a custom postcard with a request to write a review. If not customized for each advisor, then provide a Stamper (they’re only $10) or labels the service advisor can put on them. Employees are more likely to encourage using them when there is a chance to promote themselves too.
  6. Add a dealer review section on your own web site. Either collect reviews online, or post a feed of reviews from other sites.

Wow them with service!  What are you doing to differentiate your dealer from other choices? Here’s a few ways dealers can use technology to improve the customer experience after a sale is made:

  1. SERVICE: Text or email when car is ready for pick-up. Include a way to instantly pay so when the customer arrives they only need to pick up their keys.
  2. SALES: Encourage customers to reserve a car by making a secure deposit from wherever they are.
  3. PARTS:  Make it easy for wholesale accounts to buy parts. This includes offering the ability to view and pay open invoices online, securely storing and managing credit cards on file, and sending a request for payment for an immediate sale.
  4. ALL DEPARTMENTS: Don’t send customers to a cashier line. Waiting opens opportunity for negativity. Enable customers to pay bills in every department.

Is your dealer missing the technology mentioned in this article? Over 1,200 dealers are using our innovative payment technology to improve their customers’ experience. Call Christine Speedy at 954-942-0483 for more information.

Auto Dealership Trends 2013: Satisfying Gen Y by speeding up the payment process

How are you using innovative technology to connect with Gen Y buyers? This generation of 18-32 year-olds covet technology, yet I’m astounded by the volume of auto dealerships that are still operating the same way as 10 and even 20 years ago with respect to accepting payments. I recently visited a busy dealership in Maryland. Bustling with activity would be an apt description. Getting everyone in was fast and efficient. Checking customers out, not so much.

Service advisors work their butt off to give customers a great experience. And then what happens? Customers are sent to the dreaded cashier line where the wonderful happiness diminishes a bit more with each minute they wait, or worse, when they overhear another customer loudly complaining about a negative experience. The service advisor loses control of the future customer survey the minute the customer must interact with another employee before leaving the facility.

I understand why a dealer might hesitate to expand who accepts payments. The last thing a a business owner wants is to increase risk by having more people handling cash, credit cards and checks. Everything that person does at checkout can impact EBITDA. Yet dealers will often try to eliminate cashier lines first by allowing service advisors to accept credit cards.  The typical “innovative” web-based solution simply replaces a dial-up credit card terminal with a card reader, and doesn’t address the potential negative impact on EBITDA.  Further, each user will print an end of day report and put all the receipts in an envelope. The controller then has significantly more daily reports to reconcile,  more piles of paperwork to store, and more challenges finding receipts for customer disputes. Giving service advisors a card reader with a virtual terminal is not an innovative solution to satisfy Gen Y, nor to drive higher profitability!

Here’s how dealers using CenPOS, a cloud payment processing solution, are meeting Gen Y needs:

  • In-store, each service advisor and F&I manager has their own credit card terminal to check-out customers.  A critical differentiator, CenPOS automatically drives all customer and cashier/user actions to mitigate fraud risk, mitigate future dispute risk, and optimize interchange rate qualification, the largest expense associated with accepting credit card payments. For example, CenPOS will typically increase pin-debit vs signature debit from less than 10%, to over 75%. (See related articles for benefits.)
  • Parts managers quote prices over the phone then immediately send a request for payment via text or email. The customer clicks the link to a unique secure  web page, pre-filled with sale information for faster checkout. The customer enters payment information, or chooses a stored payment method (the TOKEN tab) if they’re a regular customer that previously saved their payment information. Pick-up or delivery is then expedited.
    rsecure equest a payment
  • Service advisors are delivering invoices via email and text to customers who want to pay before pick up. The customer can click and pay, including selecting a stored payment method.  Pick-up is expedited on arrival. During regular hours, the service advisor can quickly hand over the keys and send customers on their way.  After hours, anyone in the dealership can hand over the keys and paid invoice. This is especially helpful with dealers near colleges; college students often have parents paying the bill.

By combining a single platform for all payment acceptance points with electronic signature receipts, and remote access to all data, controllers gain efficiencies even when the number of users who accept payments grows ten-fold, or more. Satisfying Gen Y with CenPOS technology, will also satisfy operations, and ultimately, the dealer-owner.

About CenPOS “Creating efficiencies through payment innovation”
Founded in 2009, Miami-based CenPOS is a SaaS payment technology provider. CenPOS is an intelligent payment processing network that streamlines the payment experience for businesses and consumers by using state-of-the-art technology to replace inefficient, outdated payment systems.

About Christine Speedy, blog author. Christine is an authorized CenPOS reseller and has been helping automotive dealer groups improve the customer experience since CenPOS launched. Global Sales: Christine Speedy (954) 942-0483.

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Study: NADA Tackles Factory Image Programs with First-Ever Cost Analysis

McLEAN, Va. (Aug. 29, 2011) – The National Automobile Dealers Association (NADA) has commissioned an independent study to take an in-depth look at the cost effectiveness of factory image programs that require new-car dealers to invest billions of dollars each year.

NADA Chairman Stephen Wade, who’s traveled across the country over the past several months, speaking to dealers says one resounding concern he’s hearing over and over, regardless of dealership size or brand, is the frustration dealers have with their manufacturer’s facility image programs.

“These investments have a significant impact on dealer balance sheets, in many cases severely straining them and in some cases even persuading a dealer to leave the business rather than commit to such a large investment,” said Wade, a multi-franchise dealer in Utah and California.

NADA has undertaken this fact-based, objective study to uncover both the both positive and negative factors that drive return on investment so that dealers are in a better position to make informed, rational and fact-driven decisions on facility investments.

“The perception today is that the decisions made by dealers on facility investments are often based on opinions, pressure and personalities, which is no way to guide significant spending,” Wade said. “We want to find out the truth so these important decisions can be based on facts, not perceptions.”

Surprisingly, little evidence on return on investments to either manufacturers or dealers exists. Factory programs are typically justified on qualitative grounds such as, “the store image must support the brand” or “customers expect all our stores to offer a similar look and feel,” he said. Solid economic arguments such as, “updated stores sell X more cars for every $1 million invested” or “CSI scores soar when a facility is upgraded,” are generally absent.

“By moving the facilities debate away from opinion and assertion and more towards facts and data, we expect the findings of the study to be extremely valuable to dealers and manufacturers alike,” Wade added.

The study, conducted by industry consultant Glenn Mercer, is expected to be completed by late November with a detailed White Paper to follow by the end of the year. Mercer is a former partner with McKinsey & Company’s automotive practice.

About NADA

NADA, founded in 1917, represents nearly 16,000 new-car and -truck dealerships operating about 32,500 franchises, both domestic and international. For more information, visit www.nada.org.