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- Upload convenient EMV software to create handy on-the-go terminals to read credit cards or IDs. Provide customer service with ease, with our range of products for computers, point-of-sale terminals or handheld devices. Browse the selection of EMV chip reader-writer software.
- EMV is the new credit card technology finally coming to the US after many years of use in Europe. With an embedded microchip and associated security features, these new EMV cards are more resistant to fraud, in particular at Point of Sale (POS).
- Software to crack the encryption used by credit card chip-and-PIN readers has been publicly released on the web. Cambridge University research student Omar Choudary open-sourced and on Wednesday.
On Chip-Based (EMV) Credit Cards and Your Auction
1) What type of card i can Read Write with this emv Software? SDA and DDA (Static/Dinamyc) It can be any Visa,Visa Electron,MasterCard,Maestro,Amex,Union-Pay,Diners,Discover,JCB. 2) This emv Software will Work in any Country? Yes It will work in any Country in the World Where EMV Tech Is Used. 2) What data is necessary to Make a ATM Transaction?
Executive Summary:
- Magnetic Stripe Swipers will still work and swiping cards with magstripe readers is still acceptable.
- There is a no general financial penalty for NOT using a Chip-and-Pin Card Reader.
- If cardholders enter the data themselves, the new type of card changes nothing.
The Full Explanation:
This October, there will be a change in credit-card processing regulations that has already started to cause some confusion and anxiety among auction chairs. We’d like to lay out what this change does and doesn’t mean for you, for your guests, and for us; and give you a few options on how to approach the change.
The change is a shift in the liability rules that cover fraudulent transactions resulting from the use of counterfeit credit-cards. This shift is tied to the rollout of EMV cards (ones with a microchip on the card themselves), and card-processing equipment that can read those chips (rather than just reading the magnetic-stripe on the back of the card). The reason that this shift is happening is to provide an incentive to the card issuers to send out new EMV-equipped cards, and for merchants to upgrade their card readers.
The way the shift works is this: after October 1, 2015, in any card-present transaction (one where a card is presented to the merchant and run through a card reader), whichever of the two parties listed above (card-issuer or merchant) whose failure to upgrade to EMV technology causes a transaction to not be able to be processed as a “chip-on-chip” transaction will assume greater liability for any fraud occurring, if the card is counterfeit.
And that is all that the change this October is.
How It Affects Your Auction (if you are using our software):
Not much. Your group is a merchant, and so is one of the parties that could see additional liability if one of your guests brings a counterfeit credit-card to your auction, and runs it through one of the magnetic-stripe readers we rent and sell to our customers, and then buys something or makes a donation and pays with it using that counterfeit card.
However, this only covers cards swiped at check-out – card numbers that are vaulted when the guest buys their ticket through the SchoolAuction.net online registration, or card numbers that are entered by the guest using the Advanced Check-In are not subject to this liability shift – should a guest at your auction use a counterfeit card that they entered themselves into your event website, then the liability rules are the same as they are today.
Cards swiped at check-in are a bit of a gray area. Because of current card-industry rules, you are not allowed to store the secret magnetic-stripe data that is only present on the stripe (not printed on the front of the card) when a card is vaulted. So those transactions present to the processor as hand-keyed – they look like eCommerce transactions. Fraudulent transactions from counterfeit cards swiped at check-in would most likely be adjudicated under the current liability regulations (not the new ones coming in October), but we can’t say that for sure.
Things that this shift does NOT do:
- This change does NOT mean that magnetic-stripe card readers won’t work, or that guest cards will no longer have magnetic stripes. Visa and MasterCard expect the transition to EMV cards to take 5 full years; in the meantime, they will continue to accept transactions from merchants that read the magstripe rather than the chip. So if you own card-readers you got from us, they will continue to work for the near-future.
- This change does NOT mean that there is any change in liability regarding eCommerce transactions – this includes online ticket sales, online donations, and event-night purchases made on cards that were entered by the guest, using the Advance Check-In feature, or the mobile Self Check-Out feature.
Another thing to consider
EMV card-readers (as far as we know today) will be “locked” to a single merchant account – meaning that our business model of renting them to you for your auction will not work when it comes to that new type of card-reader. If you want to use an EMV card-reader, you will have to purchase it. And to date, we have not seen any that cost less than $500.
So what do we recommend?
Continue to move toward guest-keyed credit-card usage. Encourage your guests to buy their tickets online and store their card number for future use when they do so. Use the Advance Check-In feature, and the Self Check-Out feature to encourage those guests who have not already saved their card number when buying tickets to enter it themselves, from their own computer or phone. As much as possible, move away from the type of check-in where a guest hands their card to a volunteer.
If that is not possible? The magnetic-stripe readers we provide will still work, and you will still be able to accept guest cards using them. If you are concerned with the possibility of your guests presenting counterfeit credit cards at your auction I would then consider asking guests to confirm (or provide) their billing address and zip code at the event when they present their card.
reference: http://usa.visa.com/download/merchants/bulletin-us-participation-liability-shift-080911.pdf
NOTE: This page seems to be getting a lot of general internet traffic. If this is your introduction to our website, we’d like to welcome you! We provide software to school-based and other small non-profit groups to help them run fundraising auctions; there is a lot of information about our software on the site (and you can download an Information Packet to print and share with your auction team here), as well as general advice and resources for the auction chair. Take a look around, and when you’re ready to see if our software can help you, set up a free trial account and test it out for yourself!
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Visa has once again delayed the EMV deadlinefor fuel retailers. This time, from Oct. 1 2020 to April 17, 2021. But what does this exactly entail?
Given disruption due to the COVID-19 pandemic, the six-month extension provides retailers much needed additional time before the liability of fraudulent transactions shifts from the credit card companies over to them.
As of Spring 2020, a Conexxus survey reported that more than 51% of retailers had no outside EMV deployment, citing high costs and lack of knowledge as reason for lack of implementation.
Why it matters
Mercator Advisory Group found that 84% of U.S. consumers visit a gas station at least once a month, and more than half use a credit or debit card to pay. The fact that most consumers go to gas stations and are still using plastic cards to pay – and that non-EMV card readers are highly susceptible to fraud – is all evidence that compliance is essential.
As retailers will soon be the ones held liable for any card fraud that occurs, this means they will incur additional costs, such as chargebacks from banks. Not to mention a loss of reputation from angry customers.
Use the EMV deadline to evaluate existing processes
Those that are still up against the clock to achieve the new EMV standards must use this time to work toward implementation.
While this time might be cause for a few headaches, retailers should also take this opportunity to consider their current processes and evaluate if they are prepared for future shifts in consumer behavior and technology. In the same Conexxus survey, 20.97% of respondents cited a lack of available software as what’s preventing them from being fully deployed.
Unfortunately, when it comes to hardware replacement to meet compliance, there’s no simple solution other than investing in new AFDs or dispenser payment devices. But when it comes to software, this is where retailers have the opportunity to optimize their systems to best meet their payment needs.
Create a seamless journey
In today’s age of omnichannel retail, any interaction at the pump should also be tied to the in-store experience, and vice versa. Creating one cohesive, seamless journey for the customer drives a positive interaction and encourages loyalty.
For grocery retailers, this might manifest itself in a shopper who needs to fulfill a BOPIS order for their weekly pantry load, but filling up their tank is the last item on their to-do list. Even a small inconvenience like the slow process of using a chip reader at the cashier’s point of sale or having to enter their PIN at the pump diminishes the user experience. It’s too slow to be desirable.
Another seemingly small but important service is to allow reward card redemption both at the pump and in the store. By eliminating inconveniences and delivering a streamlined process, you will continue to foster loyalty – and even more important, avoid losing it.
For convenience retailers, an omnichannel payments system is a chance to bring their stores out of the stereotype of a necessary fuel stop and become a more alluring, quick service option for snack and grocery items. By offering order ahead and pay ahead capabilities, consumers can take the opportunity to achieve two important tasks at once with ease and speed.
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An opportunity to future-proof payments
If there was ever a time to evaluate current payments systems, it’s now, while industry disruption is inescapable. Go beyond EMV compliance and you’ll see that integrating fuel payments with in-store processes has a lot of benefits. Retailers who take a strategic long-term approach can position themselves as a convenience and service leader. The EMV deadline is an opportunity you don’t want to miss.
Learn more about our fuel solution, GK Drive, or download our e-book on EMV at the Pump.