EMV Guide - Updating Cash Register Express
By: POSGuys - 9/28/2015

<p>EMV is a new US credit card payment standard meant to make credit transactions more secure. It is not a law, it is a shift in the policies of popular credit card companies Europay, Mastercard and Visa. </p>

<h2>Why do I need to switch to EMV?</h2>

<p>If you accept credit and debit cards as payment then you should switch because if your customers use a chip enabled card and you do not process the sale with an EMV chip card reader then you may be liable for counterfeit or stolen card transactions. This applies to transactions where the card is present and as a result does not apply to online orders. You are not legally required to switch to using a chip card reader but you should do so because it helps protect your business from paying for certain chargebacks.</p>

<p>The table below demonstrates the basics of the liability shift. Note you would be liable to pay for fraud driven chargebacks if you used a magnetic card reader to process a card with a chip.</p>

<table class="table table-bordered" style="display:inline-table">
<tr class="info">
	<td width="72"></td>
    <td width="172">If Customer Uses</td>
    <td width="166">If Merchant Uses</td>
    <td width="177">Holds The Liability Risk</td>
</tr>
<tr>
	<td rowspan="2">Today</td>
    <td>Mag Stripe Card</td>
    <td>Mag Stripe or Chip Reader</td>
    <td>Credit Card Company Liable</td>
</tr>
<tr>
    <td>Mag Stripe Card</td>
    <td>Mag Stripe Reader</td>
    <td>Credit Card Liable</td>
</tr>
<tr>
	<td rowspan="2">After October 1, 2015</td>
    <td>Chip Card</td>
    <td>Mag Stripe Reader</td>
    <td>Merchant Liable</td>
</tr>
<tr>
    <td>Chip Card</td>
    <td>Chip Reader</td>
    <td>Credit Card Company Liable</td>
</tr>
</table>

<h2>How do I add EMV Capability to my POS system running Cash Register Express?</h2>

<p>There are two ways to upgrade your system if it uses pcAmerica Cash Register Express. POSGuys Preferred Retail POS System and POSGuys Premium Retail POS System use pcAmerica Cash Register Express so this applies directly to them. Your first option is to use Cash Register Express's built in EMV functionality. The second option is to use an independent payment terminal. See the requirements for each in the table below.</p>

<table class="table table-bordered">
<tr class="info">
	<td></td>
    <td>Accept Chip Cards Using Your Software</td>
    <td>Accept Chip Cards Using A Payment Terminal</td>
</tr>
<tr>
	<td class="info">Software</td>
    <td>Heartland Payment Processor (United States)

Moneris Payment Processor
(Canada)

CRE Software Update
Update to version 12.70021 or higher to process EMV Chip Card payments. If you have version 11 you can purchase the 1 year 24/7  support contract which includes version upgrades. 
</td>
    <td>Most Payment Processors.

Mercury and Worldpay.
 
Payment will not be accepted by your software. Instead upon selecting pay with Credit or Debit the software will ask you to process the payment and you will tell it when the payment is finished. It will record the sale as usual but the Chip payment will process on its' own separate from the software.
</td>
</tr>
<tr>
	<td  class="info">Hardware</td>
    <td>Add a PIN pad with a Chip card reader.
      <br /><br />
      <a href="https://c528a1c3-a-82a64781-s-sites.googlegroups.com/a/pcamerica.com/support/file-lockers/pdf-locker/PAX-S300.pdf?attachauth=ANoY7cqVvlbiLjgi2XMuBrkhHoZ_xqgES8r-9Q-YYie-lQWyeDeYOIwWRhq-cyzTCWl9RMi4abUQ8uhL4JK99OlosIGxijJRX8tJ1VWiJ2qVvzF6WBVMpDEace96yYNpTu1KTV186736sHoQ2GN_eBuQbzzjqTVyFYyzfMDL7T9hWFIlg-GRIAqZ0mmrOCx6OZSv1mLoag9v26D-fBuLXr64iUa_qT32byQQ8tRuDXX8TyjcPScFSvU%3D&amp;attredirects=0">PAX  S300 EMV PINpad</a>
    <br /><br />Your POS Computer must meet certain technical specifications  to process the payments. See below.
    <table class="table table-bordered" style="display:inline;">
    	<tr>
        	<td colspan="3">Compatible?</td>
        </tr>
    	<tr>
        	<td>Processor</td>
            <td>Yes</td>
            <td>No</td>
        </tr>
    	<tr>
        	<td>Intel Atom</td>
            <td></td>
            <td>X</td>
        </tr>
    	<tr>
        	<td>Intel Celeron</td>
            <td>X</td>
            <td></td>
        </tr>
    	<tr>
        	<td>Intel Pentium</td>
            <td>X</td>
            <td></td>
        </tr>    
    	<tr>
        	<td>Intel Core i3, i5, i7</td>
            <td>X</td>
            <td></td>
        </tr>                                    
    </table>
    </td>
    <td>Use a payment terminal with a Chip card reader.
<ul style="list-style: none;">
<img src="https://posguys.blob.core.windows.net/content/images/blog/51150/vx520_3_lg_800_600.png" alt="EMV Payment Terminal Vx520" width="70px" style="height: auto; padding: 5px; float: left; clear: left;"/>
<li style="padding: 9px;"><a href="http://posguys.com/payment-terminals_37/Verifone-Vx520_2458/" title="Shop EMV Payment Terminal Vx520"> EMV Payment Terminal Vx520 <br>(Full Price)</a></li>
<img src="https://posguys.blob.core.windows.net/content/images/blog/51150/vx520_3_lg_800_600.png" alt="EMV Payment Terminal Vx520" width="70px"  style="height: auto; padding: 5px; float: left; clear: left;"/>
<li  style="padding: 9px;"><a href="https://posguys.com/payment-terminals_37/Verifone-Mercury-Vx520_2449/" title="Discounted EMV Payment Terminal Vx520 - Mercury"> EMV Payment Terminal Vx520 <br>(Discounted - Mercury Payments)</a></li>
<img src="https://posguys.blob.core.windows.net/content/images/blog/51150/vx520_3_lg_800_600.png" alt="EMV Payment Terminal Vx520" width="70px"  style="height: auto; padding: 5px; float: left; clear: left;"/>
<li  style="padding: 9px;"><a href="https://posguys.com/payment-terminals_37/WorldPay_2450/" title="Discounted EMV Payment Terminal Vx520 - WorldPay"> EMV Payment Terminal Vx520 <br>(Discounted - WorldPay Payments)</a></li>
</ul>

</td>
</tr>
<tr>
<td  class="info">Pros and Cons</td>
<td><b>Pros:</b> Upgrading your system with this method eliminates manually entering the transaction into a payment terminal.
<br><br>
<b>Cons:</b> If you are not with Heartland Payment Processing you must switch over. If your software is not at version 12.70021 you must upgrade. If your POS Computer uses an Atom processor you will need a new computer.
</td>
<td><b>Pros:</b> Easiest way to start processing Chip Cards for the EMV liability shift.
<br>
<br>
<b>Cons:</b> The payment must be entered twice; once in the software and once in the payment terminal. If you want discounted hardware you will have to change your payment processing company and sign up for a three year contract. Terminals can be paid for in full but they still have to activated with a key. Contact us for assistance before purchasing.</td>
</tr>
</table>

<h2>What if I cannot get the hardware I need in time?</h2>

<p>Many of the payment terminals that accept Chip cards are back ordered out until January 2016 but you will not be fined for failing to meet the October 1st  deadline. Your primary risk is  that a criminal may bring a stolen Chip card into the store and if you process it with a Magnetic Stripe then you will be liable to pay for the transaction if there is a chargeback. An easy and affordable thing you can do to help protect your business if you are in the process of switching over is to post a sign. "100% ID Check. Why the change? Due to new regulations we are updating our POS System security but in the meantime to protect customers we must check ID. Thank you for your patience." Additionally you should  compare signature on receipt to signature on card as well as ensure that the last four digits on the receipt match the last four digits on the card. Scammers will sometimes encode one of their own credit cards with the data from a different card to prevent ID checks from being a problem.</p>

<p>Please contact POSGuys.com if you have any questions or desire assistance by calling 800.903.6571 or emailing <a href="mailto:sales@posguys.com">sales@POSGuys.com.</a></p>

<h2>Ask POSGuys EMV Videos</h2>

<p>For general information watch our Ask POSGuys videos below.</p>

EMV Guide - Updating Cash Register Express By: POSGuys - 9/28/2015

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EMV Guide - Updating Cash Register Express
By: POSGuys - 9/28/2015