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SecurityCents Blog

Insights on payment data security, payments news and trends

Payment Security: Why Upgrade?

In the late 1990’s, the push for credit card transactions was to upgrade from “dial up” to Internet. It required an upgrade to systems, which many merchants felt was just onerous. Once adopted, however, it became clear that this technology was far superior to the old technology, and the public quickly expected merchants to offer the faster transaction speed.

Think Of Yourself As A Customer

“Think Of Yourself As A Customer.” That was the phrase above every doorway, yes, even the bathroom, of the first place I ever worked. It may seem trite, but working there for a number of years it was evident that every individual in that building and the offices overseas used it as their guide as they went about their daily work lives; whether that customer was internal or external, they all received the level of service that each person would want to receive if they were the customer.

More EMV Cards in Circulation

According to new figures out from EMVCo, there were a total of 6.1 billion EMV cards in circulation worldwide as of the end of 2016. That represents an increase by about 1.3 billion cards over the last 12 months.

What does EMV really change in restaurants and hotels?

Restaurants and hotels were unsure how they would be impacted by EMV when the announcement came out with the date for the liability shift. Many reflected and made the assumption that it was akin to PCI’s initial mandate for PCI compliance, when in reality it isn’t. Here at Merchant Link we’ve worked hard to dispel the rumors of what EMV is and what it isn’t, and when it makes sense to implement.

HITEC Toronto 2017

Here’s to another great HITEC this year. I always love Toronto and, for this Texan, getting out of the heat for a few days was a blessing! I spoke to Bryan Wood (Director of Membership Development) at the opening reception and he couldn’t have been more pleased with the attendance. I second his enthusiasm!

To Pay at the Table or Not, That is the Question

The immediate reaction to Pay at the Table is overwhelming interest. Merchants like the idea of a customer’s card never leaving the customer, quicker table turns, flexibility for the guest, and added security. Plus, many feel that credit cards will soon require a PIN instead of signature authorization, and Pay at the Table devices can accommodate that change.

Sertifi and Merchant Link: A Secure Match

Customers are working overtime to impress their guests. It’s our goal to ensure they receive that same TLC from us. One of the ways Sertifi goes above and beyond, to remove the friction for our customers is through a seamless integration with Merchant Link.

Fraud with EMV?

As everyone knows the whole reason for moving to EMV was to reduce and eliminate fraud for account numbers that were lost and/or stolen. The solution was to implement EMV per the Card Association guidelines and SHAZAM all your fraud issues disappear. Unfortunately this is not necessarily the case as fraudsters are now exploiting the weaknesses with manually entered or hand keyed transactions.