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 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.

 

Vantiv US EMV certified terminal solutions

Which US EMV certified terminals can be used with Vantiv today? Merchants have two choices, countertop terminal or multilane terminal. The latter is available only with CenPOS, a merchant centric end to end payment engine. On October 1, 2015, retail merchants that don’t support chip cards will be liable for counterfeit credit card fraud.

Vantiv announced a partnership with Ingenico in 2013, to distribute Ingenico EMV ready terminals. While Vantiv did not specifically state which terminals would be certified, the official PR from Ingenico includes, “The portfolio of Ingenico EMV certified devices includes iCT220 & iCT250 countertop terminals, and iWL220 wireless terminal.”

ict250 ingenico emv terminal

iCT250 ingenico emv terminal

To enable EMV at the merchant level, the following steps are needed:

  • Acquirer completes requirements to process EMV
  • Hardware (each terminal) certified to accept EMV
  • Hardware certified to acquirer
  • Gateway certifies hardware to acquirer (if applicable; required for all multi-lane terminals and integrated solutions)
  • Merchant account enabled for EMV

In May 2015, Vantiv announced, “Ingenico Group Adds Vantiv’s EMV-certified Application to Smart Terminals for Small- and Medium-sized Businesses“. Because every terminal is to individually certified, it’s unclear which terminals have been certified to date since they’re not specified, but the iCT250 is definitely on the list.

With CenPOS, Vantiv merchants can also use the Verifone MX 915, a multilane, signature capture terminal, and enable EMV immediately. To process transactions, merchants use a virtual terminal with a web browser and high speed internet, or optional integrated solution. Additional multi-lane terminal options will be available in the future, including the Ingenico ISC250.

verifone MX915 EMV terminal

Verifone MX915 multilane signature capture terminal

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.

Apple Pay EMV Ready Terminal Ad Review

applepay emv terminal

Apple Pay EMV terminal advertisement.

I received this attractive ad today in an email. At first glance, it looks like an Apple offer, but the fine print below says “Apple does not sponsor, endorse or promote this offer. 
Apple Pay is currently available only in the United States.” Let’s review the ad and the landing page at http://link.emlservices2.net/u.d?bYGu4iinutyt1X88jzB=1.

The merchant fees advertised by Total Merchant Services, a First Data ISO, are 1.59% plus $.19 per transaction. The fine print of the offer is not shown. However, this type of offer is for ‘bundled’ pricing. That means it starts at a low retail swipe rate for certain cards, but other types of cards and key entered transactions will be at a much higher rate to achieve the desired profit margins. Nothing wrong with making a profit, but this type of plan is only suitable for certain small retail businesses because bundled pricing always costs more than interchange plus pricing. Additionally, they’ll need to recoup the cost of the free terminal either through a long term contract or high profit margins or both.

The ad message is clear that your business needs to be ready for EMV Compliance and buying this terminal will get you there.  While the terminal is EMV ready, as of today, the unit has not been EMV certified on First Data. Since they’re promoting it, someone is probably working on the certification, but for now, the terminal is EMV capable, or in their words “EMV Compliant”.

“YOU will be RESPONSIBLE for CREDIT CARD FRAUD if you do not have an EMV-compliant terminal by October 2015.” Beginning October 2015, either the issuer or merchant that is the cause of a contact chip transaction not occurring will be financially liable for any resulting card present counterfeit fraud losses. Lost and stolen card use is not applicable for Visa, but is applicable for MasterCard. The card brands also have differing exceptions and extra incentives to encourage adoption of EMV. Refer to EMV deadline misinformation is rampant for more information.

apple payIs it an Apple Pay Terminal? That’s just sales jargon. The terminal supports NFC or ‘contactless’ payments, including Apple Pay and Google Wallet.

Ingenico iCT250 emv terminal

Ingenico iCT250 emv capable countertop terminal.

Note, the iPhone and iWatch are not included and it’s not a mobile terminal. The Apple products shown are items that consumers can use to make payments with Apple Pay.

In summary, nice ad, and easy way for small businesses to update their terminal with a quality brand. If you like their deal, I’ll match any offer they make – and offer an additional incentive- because I know it’s going to be profitable!

My core customers process over one million annually; They’re not required to change processors and this isn’t the solution I’d recommend for them.

 

 

EMV terminal buyers guide

Tips before selecting an EMV terminal for credit card processing. Which is better, desktop or multilane?  Which model is right for my business? Should I buy an extended warranty?

Merchants should be aware that all terminals in this article are EMV ready, but that doesn’t mean you can buy and start accepting EMV immediately. That’s because every terminal model has to be certified to each processor, and that process is woefully incomplete. Sticking with the top brands, Verifone, Ingenico, and Equinox (formerly Hypercom), and models will be the fastest path to accepting EMV.  All processors expect certifications to be complete by the October 2015 liability shift.

Should I buy a desktop or multilane signature capture EMV terminal ?

The answer is not black and white.

Choose multi-lane EMV terminal if:

  • Business to consumer and business to business
  • Mixed card present and card not present
  • Higher risk of fraud and disputes
  • Multiple locations, centralized or remote accounting and reconciliation
  • Using a cloud based point of sale or payment processing solution

Choose desktop EMV terminal if:

  • Merchant sells to consumers
  • Low dollar volume (under $20,000 per month), low fraud risk

If you’re not sure, contact a consultant for advice. The more complex your payment needs, the more likely multilane is a better choice.

Which model should I buy?

Because every terminal has to be certified to every processor for any connection, please contact your relationship manager before making a terminal decision. For example, the CenPOS certification for Verifone MX915 to First Data is for CenPOS only; First Data merchants can’t buy the Verifone MX915 and use with a different virtual terminal, unless it’s also been certified.  Due to time and expense, vendors will likely minimize terminal certifications by model and processor. 

  • Multi-lane- They’re more like a mini computer, and with a higher investment, but there are also more efficiencies and other benefits to be gained. For each brand there are multiple choices, the lowest cost option is suitable for any business, and has the smallest footprint. The Ingenico ISC250 and 350 are especially flat and may require a permanent terminal stand. So far, my customers have had no problems with the Verifone MX915 and its EMV certified today. The Equinox L5200 has also been extremely reliable. The L5200 is the lowest cost unit my customers have extensive experience with.
  • Desktop – Verifone VX520, Ingenico ICT series or First Data

Verifone VX520 terminal with EMV NFC Contactless $99 Sale

VX520 emv NFC verifone terminal

Ingenico ING, iCT220, v3, 160Mb, Dial/Ethernet, Terminal/Printer/PIN Pad/SCR/Contactless and iCT250

ict250 ingenico emv terminal

 First Data FD130 or FD35, a pin pad peripheral; compatible only with First Data. I’ve never been a fan of buying a terminal that is processor specific. There’s a multitude of reasons a business might need to change processors at some point.

Which EMV terminals are compatible with CenPOS payment platform?

  • Verifone MX915 is certified with First Data today;  more processors are in progress.
  • Ingenico ISC 250 will be certified by October
  • Equinox L5200 will be certified by October
  • Check with your relationship manager for compatibility with your specific merchant processor

Should I buy an extended warranty?

For multi-lane, yes.  Without it, repairs are usually 8 weeks plus, and start at $150 average just to assess the problem. That brings the starting price to about $650 with all peripherals, programming, and 5 year warranty. For desktop, it depends on how mission critical it is. If you don’t have an overnight replacement guarantee or backup plan, you’ll have no way to accept payments while out for repair. This might be OK if you have multiple terminals, but not if it’s the only way to accept payments.

Where can I buy terminals?

Your merchant account salesperson can handle everything. If you buy from a 3rd party, make sure it’s a reputable source. Terminals have been injected with malware so buyer beware. Additionally, terminals may need to be injected with confidential pin debit or P2PE keys at a secure approved facility.

Wholesale prices are available through Christine Speedy, 3D Merchant Services,  for all customers using our other services. A new merchant account is NOT required to buy a multi-lane terminal if buying our gateway services;

Click here to learn about the $100 American Express EMV Upgrade Rebate.

Multi-lane signature capture terminals require a payment gateway to function. Contact us for omnichannel payment gateway to use standalone or with light integration to any POS. ERP or accounting software. Our solutions segregate payments from your applications to reduce PCI Compliance scope.

 

How do I reset Ingenico ISC 250 or 350 terminal?

ingenico ISC250 & isc350 reset

Ingenico isc250 signature capture terminal.

To reset your Ingenico ISC 250 touch or ISC 350 terminalshold 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.