{"id":4088,"date":"2016-05-25T14:44:44","date_gmt":"2016-05-25T19:44:44","guid":{"rendered":"http:\/\/3dmerchant.com\/blog\/?p=4088"},"modified":"2021-12-03T03:23:36","modified_gmt":"2021-12-03T08:23:36","slug":"distributor-emv-credit-card-terminals","status":"publish","type":"post","link":"https:\/\/3dmerchant.com\/blog\/pos-terminals\/distributor-emv-credit-card-terminals","title":{"rendered":"Distributor EMV Credit Card Terminals &#8211; Profit busters, profit boosters"},"content":{"rendered":"<p>Distributors have special needs for retail credit card processing to maximize profits and mitigate risk. Here we identify credit card terminals that are certain fall short on delivering in an EMV environment. The two most critical retail needs are <u>requiring<\/u> customers to comply with the highest security supported, and supporting level III processing. Additionally, P2PE, encrypting at the terminal head, is important for a security and compliance.<\/p>\n<p>Only cloud payment solutions have the <u>potential<\/u> to meet the primary distributor retail processing needs.\u00a0 This precludes all First Data terminals, one of the most popular brands distributed, and similar devices. DISCLAIMER: comments are specifically regarding business to business needs, not all retail industry needs, and are not in any way intended to imply anything negative about the terminals.<\/p>\n<h1>The terminals below DO NOT meet the two most critical distributor needs to maximize profits.<\/h1>\n<div id=\"attachment_4090\" style=\"width: 266px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-4090\" class=\"wp-image-4090 size-medium\" src=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2016\/05\/emv_verifone-vx520-256x300.png\" alt=\"verifone vx520 emv terminal\" width=\"256\" height=\"300\" srcset=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2016\/05\/emv_verifone-vx520-256x300.png 256w, https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2016\/05\/emv_verifone-vx520.png 300w\" sizes=\"auto, (max-width: 256px) 100vw, 256px\" \/><p id=\"caption-attachment-4090\" class=\"wp-caption-text\">Verifone vx520<\/p><\/div>\n<div id=\"attachment_4089\" style=\"width: 310px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-4089\" class=\"size-medium wp-image-4089\" src=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2016\/05\/clover-mini-300x228.jpg\" alt=\"Clover Mini by First Data\" width=\"300\" height=\"228\" srcset=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2016\/05\/clover-mini-300x228.jpg 300w, https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2016\/05\/clover-mini-394x300.jpg 394w, https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2016\/05\/clover-mini.jpg 460w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><p id=\"caption-attachment-4089\" class=\"wp-caption-text\">Clover Mini by First Data<\/p><\/div>\n<div id=\"attachment_3559\" style=\"width: 300px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-3559\" class=\"size-medium wp-image-3559\" src=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2015\/05\/First_Data_FD35_EMV_PinPad-290x300.jpg\" alt=\"First Data FD35 EMV pin pad terminal\" width=\"290\" height=\"300\" srcset=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2015\/05\/First_Data_FD35_EMV_PinPad-290x300.jpg 290w, https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2015\/05\/First_Data_FD35_EMV_PinPad.jpg 294w\" sizes=\"auto, (max-width: 290px) 100vw, 290px\" \/><p id=\"caption-attachment-3559\" class=\"wp-caption-text\">First Data FD35 EMV PinPad, attaches to a variety of FD terminals.<\/p><\/div>\n<div id=\"attachment_3573\" style=\"width: 260px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-3573\" class=\"wp-image-3573 size-full\" title=\"Ingenico iCT250 emv capable countertop terminal\" src=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2015\/05\/ingenico-iCT250-emv.jpg\" alt=\"Ingenico iCT250 emv capable countertop terminal.\" width=\"250\" height=\"250\" srcset=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2015\/05\/ingenico-iCT250-emv.jpg 250w, https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2015\/05\/ingenico-iCT250-emv-150x150.jpg 150w, https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2015\/05\/ingenico-iCT250-emv-144x144.jpg 144w\" sizes=\"auto, (max-width: 250px) 100vw, 250px\" \/><p id=\"caption-attachment-3573\" class=\"wp-caption-text\">Ingenico iCT250 emv capable countertop terminal.<\/p><\/div>\n<div id=\"attachment_3687\" style=\"width: 100px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-3687\" class=\"wp-image-3687 size-full\" title=\"magtek mini card swiper\" src=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2015\/08\/magtek-mini.jpg\" alt=\"magtek mini card swiper\" width=\"90\" height=\"90\" \/><p id=\"caption-attachment-3687\" class=\"wp-caption-text\">Magtek mini card swiper.<\/p><\/div>\n<h1>The terminals below have the <span style=\"text-decoration: underline;\">POTENTIAL<\/span> meet the two most critical distributor needs to maximize profits. Special certifications and payment gateway logic is required.<\/h1>\n<div id=\"attachment_2763\" style=\"width: 310px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-2763\" class=\"wp-image-2763 size-medium\" src=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2013\/09\/isc250_ingenico-300x152.jpg\" alt=\"ingenico isc250 signature capture terminal\" width=\"300\" height=\"152\" srcset=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2013\/09\/isc250_ingenico-300x152.jpg 300w, https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2013\/09\/isc250_ingenico.jpg 605w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><p id=\"caption-attachment-2763\" class=\"wp-caption-text\">Ingenico isc250 EMV<\/p><\/div>\n<p>&nbsp;<\/p>\n<div id=\"attachment_3561\" style=\"width: 260px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-3561\" class=\"size-full wp-image-3561\" src=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2015\/05\/verifone_MX915_250.png\" alt=\"verifone MX915 EMV terminal\" width=\"250\" height=\"173\" \/><p id=\"caption-attachment-3561\" class=\"wp-caption-text\">Verifone MX915 EMV chip terminal<\/p><\/div>\n<p><strong>Fraud liability review for MasterCard, American Express, and Discover (credit and debit)<\/strong><\/p>\n<ul>\n<li>If the card is chip &amp; sign, and the terminal is EMV only, the card <strong>issuer<\/strong> is liable<\/li>\n<li>If the card is chip &amp; pin, and the terminal is EMV without pin, or pin debit without EMV, the <strong>merchant<\/strong> is liable<\/li>\n<li>If the card is chip &amp; pin, and the terminal is EMV with pin, the <strong>issuer<\/strong> is liable<\/li>\n<li>If the terminal supports EMV &amp; pin, but the customer uses chip &amp; sign, the <strong>merchant<\/strong> is liable. Acquirers generally support chip and pin bypass to chip and signature. Merchants should only use solutions that require the highest security on every transaction, including prohibiting customer bypass.<\/li>\n<li>If the terminal supports <a href=\"https:\/\/3dmerchant.com\/blog\/merchant-processing-security\/emv-knowledgebase-mandates\">EMV<\/a> &amp; pin, but the customer does chip &amp; sign, the <u><strong>merchant<\/strong> is liable.<\/u><\/li>\n<\/ul>\n<p><a href=\"#_ftn1\" name=\"_ftnref1\"><\/a><span style=\"color: #ff0000;\">Merchants should only use solutions that require the highest security on every transaction, including prohibiting customer bypass.<\/span><\/p>\n<p>If you want to enhance your customer experience, make a change that also maximizes profits too.<\/p>\n<p><strong><em>Christine Speedy, <\/em><\/strong><em>CenPOS<\/em><em> global sales and integrated solutions reseller, 954-942-0483. 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. <\/em><em>CenPOS<\/em><em>?<\/em><em> secure, cloud-based solution optimizes acceptance for all payment types across multiple channels without disrupting merchant banking relationships. Keep your processor, upgrade your technology! Quick and easy to implement with no long term contract. <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Distributors have special needs for retail credit card processing to maximize profits and mitigate risk. Here we identify credit card terminals that are certain fall short on delivering in an EMV environment. The two most critical retail needs are requiring &hellip; <a href=\"https:\/\/3dmerchant.com\/blog\/pos-terminals\/distributor-emv-credit-card-terminals\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28,539,4,480,7],"tags":[254,531,130],"class_list":["post-4088","post","type-post","status-publish","format-standard","hentry","category-chargebacks","category-emv","category-pos-terminals","category-level-3-processing","category-managing-payment-processing-costs","tag-credit-card-terminal","tag-emv-terminal","tag-verifone"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts\/4088","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/comments?post=4088"}],"version-history":[{"count":2,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts\/4088\/revisions"}],"predecessor-version":[{"id":4094,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts\/4088\/revisions\/4094"}],"wp:attachment":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/media?parent=4088"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/categories?post=4088"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/tags?post=4088"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}