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Point of Sale Information and News for September 2014

Chip and PIN Crash Course 9/22/2014 4:06:02 PM

EMV and chip & PIN have become bigger buzzwords lately as more national retailers have reported their credit card data being breached. There’s a lot around EMV and it can be incredibly confusing even if you’re mired waist deep in the card payment industry. I’m only ankle-deep, but hopefully this can help clarify some of the bigger points of the program.

What is EMV?

EMV stands for Europay/MasterCard/Visa and is a series of specifications designed to maximize the security of payment systems. It started in Europe and is beginning to gain traction in the US. The current method uses a chip built onto a credit card that activates when plugged into a special card reader or payment terminal. It won’t release the data unless the user enters a PIN, thereby making it more secure than swiping a magnetic card through a reader.

There are other methods, including contactless payment, but the chip and PIN method is the next to be adopted in the US. You may have seen these types of cards already, they’re often used as smart cards for employee access and other ways to manage use/access of things. For instance, at Western Washington University, their laundry machines used smart cards to run. So the cards themselves have been around for a while. emv_card_300w

Why is it awesome?

The main reason EMV is useful is because it’s a multi-step method of authorizing and approving payment. With current credit cards, the proof that you’re you is a signature, and they rarely check it. For reals. I’ve drawn giant smiley faces for signatures and the charge went through no sweat. With debit cards you need to enter a PIN, which is fantastic, but the card can also be used as a credit card so you can circumvent that step.

Secondly, the technology has been adopted pretty much everywhere else, so the hardware exists, it’s been tested, and it’s been optimized to cut down on the hassle for customers. The data on the card changes slightly every use, which provides an added layer of protection. I imagine there’s a checksum involved and if it doesn’t pass, the transaction gets flagged or outright denied.

I own a business, what do I do?

I guess for now, you get to wait. If you accept credit and debit cards, it might be a good idea to get in touch with your merchant services provider to see what their plan is. The major card reader and payment terminal manufacturers have products ready to go, if not already in use, so the transition should be relatively painless.


Since adoption rates are so high outside of the US (Western Europe boasts 73.9% of cards and 89% of Terminals utilizing EMV), there’s a fair bit of hardware already out there. It looks like for now the biggest issue is ensuring that whatever you have to take cards is compatible with every variant on the market.

pin-dynaproMagTek DynaPro – MagTek has led the way when it comes to securing card data. From their Dynamag (née Centurion) hardware-encrypted card reader to their check reader platform, you can be sure if your card data falls into the wrong hands, it’ll be useless. The DynaPro incorporates their MagneSafe hardware encryption platform with contact and contactless smart card reading, making it a great option during the transition period.

vx_520VeriFone VX 520 – The VX 520 is a standalone payment terminal, like what you might see at a convenience store or places that use an electronic cash register instead of a full POS system. Like the DynaPro, it supports both traditional magnetic cards as well as EMV smart cards. You do gain additional versatility with this terminal; it supports transmitting card data via dialup, Ethernet, and even GPRS cellular networks, so this could be a great fit for mobile POS platforms.

unipayID Tech Unipay – Mobile POS on smartphones is blowing up, or it blew up. Either way it’s pretty huge. ID Tech has been making various readers that hook in via audio jack, and their new UniPay extends that functionality by supporting EMV cards. It does require the software you run to accept that data, so there are some extra steps required. It’s not out yet, but should be soon.

ipphtouch480Ingenico iPP H-Touch 480 – Ingenico, like Verifone, has been making payment terminals for years. They’re usually the ones you see at grocery stores and larger department stores, and are pretty robust. The iPP H-Touch 480 supports magnetic card reading as well as smart card and contactless cards, making it a great transitional tool. It does require integration with your POS system, so you may want to talk with your software provider to make sure this is a compatible solution.

Square EMV – Everyone and their brother loves Square and their 2.75% transaction rates, so it’s good that they’re working on creating a reader that supports chip and PIN. It looks like you can give them your email and they’ll let you know when it’s ready. I bet every news site and blog aggregator will also let you know when it’s ready.

Important Dates:

We’ve already passed a few important dates, mostly with regard to processors adopting the standards and deadlines, but the main two for businesses are October 2015 and October 2017.

October 2015

– Liability shifts to processors if their merchant lacks an EMV-enabled device and is involved in a counterfeit or fraudulent card-present transaction.

October 2017

– Similar liability shifts, but for automated fuel dispensers. They get extra time because replacing gas station systems sounds expensive and complicated.


Businesses, if they’re not already supporting EMV and chip & PIN, have about a year to get transitioned over and ready to go. Thankfully, it looks like solutions are in development or already available, so it’s a matter of working with your credit card processor to ensure you get the right one. We are working with our merchant account provider partners to make sure we have the hardware ready as soon as possible and will let you know as soon as we have solutions available.


http://www.tsys.com/acquiring/engage/white-papers/United-States-EMV-Adoption.cfm – U.S. EMV Adoption: Lessons Learned from a Canadian-Based Value Added Resource (VAR) – TSYS http://www.idtechproducts.com/products/mobile-readers/176.html – ID Tech Unipay – ID Tech http://www.magtek.com/V2/products/pin-entry-and-management/DynaPro.asp -DynaPro – MagTek http://www.ingenico.com/en/products/payment-terminals/retail-pin-pads/ipp-h-touch-480/ – iPP H-Touch 480 – Ingenico http://www.verifone.com/products/hardware/countertop/vx-520/ – VX 520 – VeriFone http://www.verifone.com/solutions-services/emv/ – The Key to EMV – Verifone http://www.emvco.com/about_emv.aspx – About EMV – EMVCo https://squareup.com/emv – Square EMV Reader – Square http://masteryourcard.com/blog/2008/04/11/a-prank-to-remember-do-signatures-matter/ A Prank to Remember: Do Signatures Matter – Master Your Card

Tags: POS News Card Payment Chip and Pin EMV PCI Compliance

Mobile POS Systems 9/19/2014 4:47:17 PM

A lot of our customers are asking to take their point of sale mobile; from trade shows to just wanting to check on reporting at home, flexibility and mobility seem pretty key. And we’ve tweaked and tuned our offerings, creating the Premium Mobile Retail System with their needs in mind.

We had a previous mobile POS system available, but we ran into some limitations. Primarily it dealt with the battery life of the tablet, in that it was not very good. We also tried to make it fully mobile, which drove up the price in some ways and prevented us from making a full-featured solution.

premium-mobile-pos-systemThis Premium Mobile Retail System comes with Elo’s 10.1-inch tablet, providing solid performance in a sleek design. There’s even a hand strap on the back for added comfort! The tablet runs Windows 7, so you can toss Office & other assorted software you may want on it. The battery is rated to last a full work shift, so you can wander off and check your inventory without fear of the tablet needed to be charged halfway through.

Designed to be a combo of stationary POS system as well as mobile POS option, we include everything you’d find at a regular checkstand. There’s a charging base for the Elo tablet, receipt printer, cash drawer, and barcode scanner, so you can use it like you would any other POS system. The tablet runs PCAmerica Cash Register Express, flexible POS software that is great at touch-driven operation as well as more traditional use.

Once you pop the tablet out of the stand, the system becomes your mobile point of sale solution. It has an integrated card reader, so if you have secured WiFi you can run credit cards no sweat. And since the tablet has your full software install, your inventory counts will stay accurate even while on the road.

The standard receipt printer and cash drawer only work when the tablet is plugged into the base, so you don’t have to worry about the drawer accidentally opening if you ring up a customer on your showroom floor. Also, Cash Register Express can store those receipts, printing them out in batches when you do return to the station.

We do offer some upgrades, most of the standards to our other systems, such as adding a barcode printer or pole display. And if you want to go for full on mobile, we have an upgrade what swaps out the cabled scanner and printer for Bluetooth models. This is great if you’re interested in doing completely mobile point of sale, like at a farmer’s market, or if you want to bust some lines.

The Premium Mobile Retail System is a great option for businesses that may want to go mobile but still want a traditional checkstand. It’s a lot cheaper than buying a full stationary system and a mobile system, while giving the benefits of both.

Tags: New Products complete system elo tablet epson tm-t20ii mobile pos Motorola LI2208 pos-x cash drawer

September 2014 News on the Barcoding Industry